through a broker. He knew it was for a residential property and have found out he did it for a higher commission

Can anyone help me with a mortgage problem I was sold a buy to let mortgage without realising. The offer letter says nothing about it being a buy to let and I only found out a short while ago. I still have all the original docs if needed

Sorry for the delay I sent a SAR a few years ago and received all the statements for time I had the card with Citicards. The problem I'm up against is both of them keep saying its the others responsibility and neither of them will budge on it. It did go to the ombudsman who's response was until one of them takes responsibility there is nothing they can do. I was like like, really??? I can send a SAR again to citicard and get the info sent out again but really haven't a clue what else I can do as I get the door shut by both companies Also I learned lately that Opus took on the account when it was closed and say as it was closed when they took it over all responsibility goes back to Citicard. Citicard just keep saying the account is now with Opus and i keep going round in circles.

I had a citibank credit card that was transferred to Opus back around 2010 I have tried for years to claim back the PPI I had been paying on the card for around 12 years. This amounted to around £5000 plus interest. Citibank totally refused to look at it as they passed the account to Opus as we didnt use the card for about the last 10 months before they transferred it. When they transferred the card there was an outstanding amount of around £150 which was cleared over a few months. Opus have declined any claim on the PPI as they have said the account was closed when they took it over from Citibank. I am now in a position where neither of them will look at it at all and the ombudsman has said they can do nothing about it. This was a response from over 12 months ago. What can I do to claim back the PPI as I can't seem to get anywhere with it? I took the card out back in 1998 and from 2000 I was self employed from then until now and learned that PPI does not cover self employed people. Please can you advise if there is anything I can do or is this a lost cause Look forward to hearing from you and appreciate you looking at a this me

Thanks for getting back so quick. I did think it was them playing games again but wanted to be sure Many thanks

Hello I've received a letter from Restons today, please see attached. Is this a standard letter from them that they send out trying to put pressure on? It has been twelve months since I last heard off them and they say about me not withdrawing my defence for some reason. I was wondering, is there a time scale for them to respond to for my request and can I send them anything to relate to the matter being stayed? Or is it best to ignore? Please advise Many thanks Sorry, etter is to the side for some reason

Sorry, I must have sounded a bit to the point. I've just had a reply saying the €437.56 is their final offer and that a refund of £70 for the luggage cost to put on the plane is being refunded back the debit card. They have also said that if I am not happy with their offer to contact my insurance company. Their offer still falls way short of what I have had to pay out, along with the inconvenience and loss of holiday days. What should I do as to deal with this in the best way because I don't see why they should get away with this and I shouldn't be out of pocket. Look forward to hearing from you with your help.

If I don't get a reply from Ryanair I am going to submit a claim in the small claims court. What address would I send the papers to as the one they have registered in uk is dormant. Can you send court papers to southern Ireland from the uk?

Ive sent back a reply rejecting thier offer and put a breakdown in of my costs. I put in a breakdown of my costs and that I would not have incurred them if they had transported my luggage as agreed. I said I entered a contractual agreement with them and they did not fulfill there side of the agreement. Any costs that I incurred due to their error should be paid in full. Lets see what reply I get

Ive had another reply off them with an increased offer now to 437.50 euros. I am now going to write back to them with a breakdown of my costs and that they should cover all my losses and that a compensation on top of my losses needs to be addressed also with not being able to fulfill my holiday experience. I don't think i'll tell them about court action at the moment and see what they come back with. What do you think?

Id like back what the items cost me that I bought over there and some compensation for the inconvenience. We lost 2 days of our holiday shopping for things and paid for an excursion that only led us to shops because we had nothing. We had to buy everything, we didn't even have a toothbrush. Everything was packed in the luggage. Ryanair have been sent all receipts of what we have bought and can see we have not gone mad at all. I can honestly say we missed out a lot on the cruise as we had no clothes to dress up in for the evening events. We booked to stop in the Yacht Club, which is an exclusive part of the ship where it really up market. Because of what happened we were not able to fully use all the facilities that were there as we had not got the clothes, such as gym, special; evening events and the black tie gala. Th e ship company did launder anything we needed for free and were more accommodating than we could have asked for. If taking Ryanair to court is the only way to get a reasonable result out of this then so be it. I am only asking to be compensated for my losses. We even had to pay for taxis to and fro from the shops, taxi at the airport to get from one terminal to the other after we picked up the luggage and now we are back all the clothes are creased to hell and I have a load of Armani jackets and suit that will need dry cleaning to get them back into shape having been in a case for over a week. The holiday was not a special occasion as such but a holiday that we had booked a long time ago as these cabins on the ship are very few and hard to get hold of. Nothing went missing from the cases thank god, but the cases did take a battering by the looks of it and I paid £1100 for them about 2 weeks before we went away. What makes a flight company think that doing very little to put something right is acceptable and then to add insult by offering an amount that doesn't even cover what I had to pay out is insulting. If they had done there job right I wouldn't have had to pay a penny out and in my eyes I had a contract with them to fly me and my luggage to the destination which was not fulfilled by themselves. I should be able to recover all expenses. Sorry if I went on

Can anyone tell me what I am entitled to. My partner and I booked a weeks cruise where we flew out to Barcelona with Ryanair. When we arrived at the airport, our luggage and about 8 other couples luggage were all left in Birmingham where we flew from. I explained to Ryanair that me and my partner were leaving Barcelona that night and won't be back for another week, vWe were advised that the chances of us getting our luggage to the ship are practically none. All we had were the clothes on our back and a pair of shoes in the hand luggage. We had no choice but to go to some local shops and pick up items to get us by so went and bought the essentials toiletries and about 2 tops, a pair of shorts, some underwear and my partner bought similar as and cheap dress for her to wear in the evening. We had a call 2 days later saying luggage is at the airport for when we return to pick it up. We had no choice but to go and buy some other items the next day as what we had wouldn't last for the week. We went and bought a few more things for day and evening and the ship we were on offered free laundry service to help us, which was a god send. In total we spent 547 EUROS. On our return we put a complaint into Ryanair for all the hassle and expense we had incurred along with how the holiday was ruined as we couldn't do everything that we wanted to, such as gala night etc. We heard off them this morning with a letter saying the expense is excessive and will offer 50 euro per day the bag was missing. This totals 350 euro. To me this isn't good enough as we spent £3000 on a holiday we couldn't fully enjoy and we had to clothe both of us for a week where we wore the same items over and over. Am I wrong in thinking this is not good enough and Ryanair have to compensate me for what I spent and the the holiday they ruined. I believe what we spent was not excessive for what we had to do. Look forward to hearing off you

Just had a letter back off Canada Square Operations. They are saying they are no longer the owner of the account and send all correspondence to Opus who now have the account. They have given me their address and customer services number. They have also said they have forwarded my complaint to them where they will investigate accordingly. I've been down this street before where Opus say it is nothing to do with them and to contact Citi. Its all back and forth and neither of them helping at all. I'm probably totally wrong but I paid all the ppi to citi and opus only took on the account once I stopped using it as citi said it came dormant, so surely citi are the people I talk to. I haven't heard back off them about the SAR I sent in, so I assume that is still being looked at. Please help as I haven't a clue where to go with this now.

Thanks, i'll send it off now

Just had a letter off Canada Square, Operations asking for name, addresses, dob and utility bill. They are saying they cannot verify customer verification process. I can do all this but have been asked to send all correspondence to Canada Square Operations. I have sent the fos and the sar, shall send this in a brief letter with their reference or is there another way of doing it. Just feel as if i'm going to be messed around by them