In October last year we had an awful cruise holiday aboard Norwegian Epic. The ship had been in dry dock and was delayed departing by a day; this meant that one of the ports of call would be missed. We were given the option to accept the new itinerary or have a full refund. As we had already booked train travel to Southampton and a hotel room on non-refundable rates we didnt want to cancel as this would have been over £200, so we took the new holiday. Onboard, the service was terrible and the cabin filthy - it wasn't cleaned for three of the days of 6! We had a truly miserable time. Now the interesting bit... In all of NCL's literature and on their website it says that there are multiple restaurants open for breakfast, lunch and dinner. This wasn't the case and when the ship was in port (4 days of 6) the restaurants were't open and only the buffet was available. When we got home we complained to NCL, who have since said they would have paid for the hotel and train cancellation had we wished to cancel the holiday; we weren't advised of this and the letter to our travel agent from NCL concurs this wasn't an option. Owing to all of the issues we had, they offered 15% refund. I have complained to the Advertising Standards Agency who have told NCL to amend their literature. We've since started pursuing this via S75 of the Consumer Credit Act and will see how things go - I'll keep you all updated as it could be quite an interesting case

Hello looking to get help regarding my debt. I live in Scotland. I work part time and i sell on ebay as self employed From over 2 years due to overseas sellers use fulfilment my profit went down. Never was big but now just doesn'r exist. On top of that my landlord want to increase my rent. Every month i have more debt so me and my wife decided to comeback to our home country(in EU) Where we can get some help from our family My debt is 2500GBP on credit card 300GBP bills And 1100 GBP for rent I can't afford to pay those money so i would like to know what is best option? Should i just leave and don't say anybody? Could they find me over there becouse it's EU country? or tell my creditors that i move aboard but don't say where? I really don't know what to do and any help would be good