I think you need to give us much more detail about the story here. It's impossible to advise you on the extremely scant facts that you have provided

You will need to unravel the story before you can do anything about it. Send the SAR. Also an SAR had better be sent in your father's name as well

I think you will need to start telling us which company it is, what kind of utility you are talking about. Then you should send the company an SAR. You have probably better understand now that it is extremely difficult to clear this kind of thing from your credit file. However if it is a case of mistaken identity then you may have a chance.

You could certainly send a copy by email – but of course they are entitled to verify your identity. It might be easier and more straightforward simply to send the request in writing, signed with your usual signature which presumably they are familiar with.

Firstly, on the basis of what you say – nothing will happen because no one knows about it. However, it's very nice of you to feel so embarrassed and ashamed – and it means that it really is out of character, as you say. Why don't you simply return the item – maybe with an anonymous note of apology. Learn your lesson and try to understand why you did it and avoid doing it again. I think that understanding why you did is probably a very important step

You are quite right. Please would you mind crawling over the site and finding anyplace where you think there should be changes and flag it up to us with a suggested form of words and will have a look. Thanks

I'm afraid that it is an extremely unforgiving system – regardless of fault. It's extremely unfair and frankly it is quite disproportionate but there is nothing that you are going to be able to do about it. In terms of how long a late payment marker last on your file, I'm really not sure. Maybe somebody else can answer. I'm sure it is longer nine months and I'm sorry but I think seven years is correct. However if it's any consolation, a late payment marker is not massively serious – it's certainly not a default

I'm sorry but we don't make references or recommendations of this kind. Also, you need to be careful of no win no fee deals. For instance, you need to be certain that if you lose then the value of your losses is covered. Also if you lose, the value of the other side's costs are also covered. These would be quite unusual arrangements. No win no fee is not all it's cracked up to be

I suggest that you follow the advice of @Emmzzi on this – although I'm pretty certain that they will agree that even if there is a tiny element of holiday pay, you should certainly claim it as well. Given the circumstances that you have described to us I would recommend that you go out of your way to get your pound of flesh on this.

14 days or you will do what?

I think you are going to have a lot of difficulty – but you certainly can challenge it – but I think that you will probably end up having to make a county court claim and possibly with only a 70% chance of success which is not the kind of odds that make me feel comfortable on a claim of this size. On the other hand, maybe Europcar as well wouldn't feel comfortable and they might simply pay you out rather than go to the expense of defending. Are you saying that the damage didn't exist or simply that it was so small that on your own inspection you wouldn't have seen it? I'm afraid that with all car hire, you should photograph or carefully video all around the vehicle – including the top of it – before you take control of it. I suppose Europcar will say that the vehicle was checked earlier on and so they didn't need to check it again. When I rent vehicles from Europcar or any other car rental company, I'm meticulous about checking and I make sure that I bring the rep out and point out any damage. You could challenge the extent of the cost of the tyre and also the administration fee. They certainly seem a little bit excessive – but once again you will probably be looking at a county court claim in order to make them cave in.

You haven't told us how the account was accessed and the money was withdrawn. That would help.

Firstly, are you recording your calls? Have you read our customer services guide? Do this before you have any telephone contact. Secondly, have you had any expert opinion as to the cause of the problem. I think that you are going to have to compartmentalise the problem so that you identify the source of the water, the point of ingress, and the consequent damage. I haven't seen your insurance policy but if you are generally speaking insured against damp and so forth then the insurance will probably exclude the point of ingress – which would be the building fault. That could be the subject of a separate legal action but we will see as we go along. Secondly, you should check your insurance policy now and see whether conservatories are excluded. I'm afraid that this kind of thing can happen. If they exclude a conservatory then you need to understand what they mean by a conservatory. It sounds to me as if you have had your structure built on a brick foundation and it may be that that is within the area of cover. Check this out immediately. You will be best off putting things in writing to your insurance company. Therefore I suggest you do things in this order: Check your policy get an expert opinion to identify the ingress point come back here. When you check the policy you are going to look for what they cover – in other words to think that they will cover the point of ingress what they don't cover – do you think that conservatories are excluded. Please can you try and deal with all these points carefully. You can't imagine how difficult it is to keep on asking questions and find that they're not addressed.

Thank you – but this doesn't address my question as to why your claim was declined. I understand that the company is called TW S Leeds. Are they the people who built the conservatory including the faulty brickwork? Did they construct the entire conservatory?

Check the rules first. You may even find that there is some website form for requiring this. Keep copies of everything that you complete. If you have to complete online forms then it may not be certain that you get a copy so take a screenshot before you click it off. If you make phone calls then make sure that you have read our customer services guide and don't speak to anyone without recording the call.