Background: I live in flat in house where ground & top floor are separated. Both flats are rented by same owner. Problem happens about year ago. My neighbour had a faulty waste pipe and because of the leak celling in my flat collapse. My landlord sort that and said that from now on every think should to by fine. After few months celling start having a leak water marks with I straight away report to owner. After his visit he told that is a not a big leak and if that will grow up I should let him know. Problem: About a month ago I left the laptop on the table but my 3 years old son move this on a place where over night peace of celling collapse again and damage my laptop. I try to deal with this because I read damage should to be cover by owner of the flat above but he is saying that I should have a Contents insurance. I didn't have one of this and now I'm stuck. I read that even I will have a Contents it still should to be cover by owner of the flat above because it was only his fault. Today he send me text where is saying that if I knew about possibility of leak I shouldn't left it my laptop there. (leak was nearly of the middle of the room) Any advice much appreciated.

Hi Folks I live a commercial property that is open from 7am to 11pm. I've lived her for 5.5 years so have had had to get used to the shop noise. For 4.5 years I battled with the shop to keep their in-house radio to a minimum so that it wasn't penetrating into the flat above in which I rent. In the end I had to invoice environmental health because I was getting nowhere. They got the shop to remove their speakers from the ceiling and install them elsewhere and keep the volume down to a level I wouldn't hear. On 22 July builders started working on the roof top of the shop, which is also the entrance to the property I rent. I was given no notification of any work taking place. Every time I left home builders were position directly outside, I had to keep the windows closed because of the drilling and radio that was blaring... and this was when the heatwave was here. One week later on 29 July at 7am I was woken by a drilling noise coming from the commercial property below. My guess was that a re-fit was taking place owing to a letter from the council stating planning permission a few months before. Drilling an hammering went until lunchtime when the in-house radio was switched on above the agreed volume set by EH. I know from previous experience that nothing can be done about daytime noise, but due to the radio going on I called EH straight away and they came out to investigate and it was switched off straight away never to be put on again. The drilling and hammering went on until the evening. The next evening I called out EH due to the noise. The workers received a telling off and the contracting company was issued with a warning of the recommended working hours i.e. 8am - 6pm. The next night it went on to long again so the following morning I contacted the office of the contractors myself and told them what I wasn't happy with and should it happen again I would be calling EH. It was sorted and thing calmed down, but in short I was living next to and above a construction site for almost 3 weeks. 3 days after complaining and involving EH a letter was hand delivered informing me of the works being carried out. Health and safety were also called in because EH discovered that there was no soundproofing, nor a fire safety separation in place. One of the H&S officers who witnessed the noise said that it was a 'living hell'. I have been advised to contact my landlord for a rent reduction, however, after thinking about what I've gone through the past 3 weeks I'm now considering compensation. The only separation for the first week of works inside the shop was my floorboards. I could hear everything from sneezing, talking, swearing (which there was a lot of), singing, wailing, drilling, hammering, sawing, breaking glass etc. Aside from the noise I had 2 weeks of the flat being engulfed with a burning smell from sawn wood and metal and strong glue from flooring being laid. One night I had to go to bed with all the windows opens. It was too late to go sit in the park and I had no-one close by to go stay with. I work and study from home so not only have I experienced a loss of income I also couldn't complete an assignment fully and for my next assignment I've had to ask for an extension. I hope this gives some idea of what went on. I tried speaking to the managing agent for the property as did H&S, but they were unable to help which is why I have to contact the landlord directly now. They're a bit corporation and it is my understanding that they will probably want to avoid any press coverage. It was explained by H&S that it was fortunate a fire hasn't broken out since I've been living in the property due to no fire safety separation being in place, otherwise I would have been smoked to death. During the works the contraction installed soundproofing and a fire safety separation. Please can anyone advise how I should approach my landlord for compensation? I've started composing the letter with what I had to live through, but I feel I need to incorporate some acts of law and don't want to word it as though I'm being demanding or threatening. Any advice appreciated, thanks..

Hi can the DWP take an overpayment owed to them from a compensation payment paid to you or can it only be repaid from benefits ?/

http://www.dailystar.co.uk/news/latest-news/330278/Banksters-in-18bn-compensation-for-PPI-[problem] dx

Hi, Please bare with me, this is my firstpost and I would really appreciate some advice. I moved into my rental property with my husband and 3 kids on 26th April 2010 and paid a deposit to my landlord. We signed a new fixed term AST every six months up until 26th April 2012 when it was switched to a periodic. On the 19th June we received a notice 21 stating the landlord wanted to move back in. We found another property that is perfect for us regarding schools location etc. We had the references and checks back and agreed to move in by end of August. Unfortunately the current tenants have not vacated yet!!! So we contacted the agency to ask the landlord if we could have a little more time other wise we would be homeless with 3 children advised as a good will gesture he would give us an extra week. That would take us up until our rent date ( I have since found out he could not get us out before then anyway!!) 3 days later I see the house up on the rental market plus £125 extra per month! I called the agency to advise of my anger and disaapointed and was met with 'well he's in his right to serve a n21 - check it'. So I did, yes he can serve it if he protected my deposit. Called the agency back up asking for the reference number, the landlords response was he would be giving the deposit back 4 weeks before we leave as a good will gesture. Advised that was not what I asked and needed the number, week later I received a number but after checking with DPS it was not for my property!! Called again and was told it would be looked at. This month the day before our rent was due the landlord has hand delivered an amended N21 with a cheque for our deposit. Emailed him and advised I still did not have a protection number, this was hand delivered on the 27th (day after our rent is due) by a very rude landlord who refused to talk to me at all. The protection was taken out on the 25th July 2013. The letter he sent said it was all done in good faith and to help us. But looking at the N21 terms he had to do that. My question is should I still take him to court for the compensation even though he has paid the deposit back?? And is the N21 valid if he gives the deposit back on the same day and I have not had chance to ensure it cashes and that the protection confirmation wa not given until the day after??? Any help or advice would be great!! FYI - during our time at the property we were never late with the rent and the landlord said he was thrilled(documented on paper) about how we looked after it.

I've been waiting for my JSA payment since May and its still not been paid for a whole host of reasons. I have had to complete application for re-assessment forms twice and they have lost them twice. I could on but the point is its over three months and I've not had any money? Plus generally they have made so many mistakes I'm having fun writing the complaint as I count over a dozen mistakes. My point is I'm sure I read somewhere if they don't pay you within a certain time they have to pay you compensation I think I read its something ridiculously small amount like ten pounds. I can't find the page anymore.

WAR PENSIONS AND ARMED FORCES COMPENSATION TRIBUNAL GUIDE 1. Appeals You can appeal to the War Pensions and Armed Forces Compensation Tribunal if your claim for a war pension or compensation was rejected. The tribunal is independent of the Veterans Agency and the Ministry of Defence. There are different tribunals for Scotland and Northern Ireland. Decisions the tribunal can make The tribunal can make decisions about: Ø your entitlement to a pension or compensation Ø the amount of pension you get Ø entitlement to extra allowances, eg for mobility needs Ø pension start dates Ø pension rates Ø withheld pensions The tribunal deals with appeals for the 2 pension schemes currently running: Ø the War Pensions Scheme - for injuries caused by service before 6 April 2005 Ø Armed Forces Compensation Scheme - for injuries caused by service from 6 April 2005 onwards How to appeal You must appeal within 12 months of getting your pension decision letter. 1. Write a letter to the Veterans UK and ask them to reconsider their decision. Explain why you think the decision is wrong and give any information not included in your original claim. 2. The Veteran UK will look at your case again and write to you with their decision. 3. Contact the Veterans UK helpline to ask for an appeal form if you’re still unhappy with the decision. Fill in the form and send it back to them. 4. The Veterans UK will tell the tribunal that you’ve made an appeal and the tribunal will look at your case. 5. You’ll attend a tribunal hearing and the tribunal will decide your case. Send the appeal form to the following address, or contact the Veterans UK if you need help. Veterans UK Norcross Thornton Cleveleys Lancashire FY5 3WP Veterans UK Helpline 0808 191 4218 Late appeals In some cases you’ll be allowed to appeal after 12 months but you must explain why your appeal is late. You can’t appeal against any decision after 24 months. 2. After you Appeal The tribunal will look at your case and ask for any further information if they need it. The Veterans UK will send a response to your appeal to the tribunal. You’ll get a copy of their response. You can reply to it with a ‘written submission’, but you don’t have to. You can also send any further evidence to support your case to the tribunal. Where you send your written submission and further evidence depends on where you live. Prepare for the hearing You can go to the hearing on your own or ask someone to help represent you. You can also call a witness to support your case. Organisations that can help represent you include: Ø Royal British Legion Ø Royal Air Forces Association Ø Combat Stress Ø British Limbless Ex-ServiceMen’s Association Ø National Gulf Veterans& Families Association When you go to the tribunal hearing, take your appeal papers and the documents you’re using as evidence with you. You should give copies of any evidence to the tribunal before the tribunal hearing. Tribunal panel The tribunal is made up of: Ø a judge Ø a medical member Ø a service member What happens at the hearing The judge, tribunal members, Service Personnel and Veterans Agency and your representative (if you have one) will ask you questions about your case. The tribunal will then question any witnesses you’ve brought to the hearing. Usually, the tribunal will tell you its decision on the day of the hearing. Expenses You might be able to claim expenses or compensation for: Ø travel (only in the UK) Ø living expenses for the time you’re away from home Ø loss of earnings 4. If you lose your appeal You can ask the tribunal for permission to appeal to a higher tribunal, called the Upper Tribunal, if you lose your appeal. You must ask for permission to appeal within 6 weeks of getting the decision. The Upper Tribunal will look at the case to see if the original decision was correct. Reasons for appealing You can only appeal if you think the decision was wrong for a legal reason, including if the tribunal didn’t: Ø follow the right procedures - eg it didn’t tell you in time about the hearing Ø give proper reasons for its decision, or back up the decision with facts Ø apply the law properly Before appealing, ask the original tribunal for the written statement of reasons for its decision. READ MORE HERE: /assets/static/govuk-opengraph-image-dade2dad5775023b0568381c4c074b86318194edb36d3d68df721eea7deeac4b.png War Pensions and Armed Forces Compensation Tribunal: How to appeal - GOV.UK WWW.GOV.UK War Pensions and Armed Forces Compensation Tribunal - appeal a war pension decision, deadline, how to appeal, hearing.

Help urgently wanted finally got a letter from rbs admitting fault for miss-selling a mortgage 12 years ago but they will not pay for the assurance policy that went with it as they understand that it was unsuitable for my stated needs but that I agreed so that's that. They are offering compensation for the mortgage which I paid for 7 years before discovering it was massively under performing and would not repay the loan. The big problem is that I am in financial hardship because of severe disability and illness. I am currently paying interest only on my mortgage. They have suggested that they will take the compensation from my existing mortgage which I took out 5 years ago. I am not in arrears and have never missed a payment but bank with them again not owing them any money. I need to know any grounds for asking for the money to be paid to me rather than taken off my current interest only mortgage. I realise of course it would be great to owe less for the future but the facts are that I feel this was money I lost at the time as I had to start from an endowment to a completely new mortgage. My future may mean moving house at which point it will be to down size and I am still in positive equity if sold it would be repaid fully with sums towards my new home. I would be very grateful if anyone could advise of whether the bank can treat my interest only mortgage as a debt in this instance. I realise it is in a true sense but in the current situation do I have grounds for asking for this sum to be paid when I need it most. Ironically I was a high tax payer so did not miss this at the time but it seems very bad that I need it to just survive and now find it could be paid in effect for future mortgage payments . I don't know how to overcome this repayment to future mortgage payments on my interest only mortgage on what grounds or challenge them over the assurance policy that went with it which they admit was in fact wrong for my stated and documented needs but say I agreed even upon realising this but it was more than a year into the policy when I found out about exclusions that did not meet my needs and by this time I had already taken out the mortgage and was not offered an alternative. I am pretty desperate as I cannot find any posts or information as to if repayment mortgages are seen as debts to RBS and since I am not behind or in default and have never been can I ask for this to be paid despite having a mortage with them in force. Thanks

Hello I have seen loads on ppi but cannot find an answer to my dilemma . I have been lucky enough to be offered a compensation for a 7 year endowment mortgage which was mis sold alongside an misold assurance policy. They have made an offer of £5k and have mentioned some vague workings out against their comparisons for what they say I would have paid in a repayment mortage and insurance policy that would put me in the same situation. They suggested the fos would help me to see if there offer was reasonable or not but the fos service says they cannot do this unless they look at all the facts. The rbs offer says deal off if I go forward with the fos in terms of a claim. The trouble is their letter and workings out is very vague and does not say what comparative source they were comparing with my policy so I have no way of knowing whether this is a fair reflection of compensation or not. I don't know if its common place for them all to worked out a certain way from a source so that I can check what is being offered is fair or otherwise. I am new to this issue so would it be wrong of me to ask them for how they arrived at their figures of suggested compensation or should I just trust it will be right and go ahead. I have already discovered they did not include my costs for a new mortage I was forced to take out upon realising it was badly performing . Any sources of help to check out or advice if its fair to ask for how they worked it out would be great as I'm lost. Thanks again

I have been ill with stress and signed off by the doctor for 2 weeks, I am going back soon and will be arguing to get the 3 days non payment refunded and if they put me on SSP the difference from that and full pay. In my return to work interview I will state the grounds of reasonable adjustments to help my return, these will simply be that I request they abide by employment and health and safety law. Their policy, depot not company is to stitch up the staff as much as possible and I have no doubt they will refuse to reimburse my losses, I will ensure they stick to my return to work requests, should they refuse to reimburse me for loses I will take them to court. What is the best way to take them to court? DIY or one of these No Win No Fee companies, if the latter are any better than others, if it goes to court I will go for compensation as well, they pushed me so far I broke down at work and it was very embarrassing. I will give them every chance to settle without court but I just want to know what I can do so I can make them aware of my intentions.

I'm not sure where to post this but this seemed like as good a place as any. Basically I have an issue with a landlord who took over a year to repair a leak which left the flat in a state of damp and lots of mould in particular in bedroom areas for over 6 months. I put this through the local complaints process and they offered me £500 to sign and absolve them of responsibility. I have said no to this and escalated to the ombudsman as I think this is ineffective and doesn't go far enough. Having taken some guidance I have been advised to take them to the small claims court. Given that I think they are in breach of contract how much do you think I can put a claim in for? My rent was about £715 / month. Also more recently I have moved out as I can't be dealing with them any more as it drives me up the wall. Since moving out they are now trying to claim that they need to get a cleaner in to address stains on the carpet. These are a direct result of the leak and subsequent maintenance so I assume they must be liable? I have attached some pictures of the damage as a result of the long standing leak. They have also said that they want to recover the cost of splashes on the walls. I'm not 100% sure what this is and have asked them to clarify but I can only think I can think is there are some marks on the kitchen perhaps behind the sink or cooker. Baring in mind I can't imagine what this is and my GF is a clean freak this must be very minor. Any thoughts on this as a claim by them? Is this the best place I can seek advice? If not where do you suggest? I have had discussions with other tenants who have suffered similarly, but have not been able to overcome their obfuscated ,maintenance and complaints procedure.

Heya guys, Was hoping someone could help me with this. A friend of mine has asked me to help her with a claim to the council for damaged property due to a leak. She recently moved into a council property which had a brick shed for storage. She reported a leak and the council replaced a window in the shed, presumably resolving the situation. She then continued to use the shed for storage of expensive fishing and camping gear, along with other misc. items. However, the leak was actually due to an improperly sealed roof and continued, damaged the items inside beyond repair. She is now completing a form from the council to claim for the cost of replacing the items, with photographic evidence. The form urges people to claim from their insurance and she is insured and has considered this. Apparently, the insurance company can then recover costs from the council if they believe they are at fault and this won't affect no claims bonus. However, this is IF the can get the money back from the council. The other route is to directly claim from the council and this is our preferred route at the moment. She also has severe mental health problems and losing a lot of her stuff, which she had accumulated with her partner over a life-time, has been very upsetting, not to mention the effort of making the claim. That is why she has asked for my help, so we are also thinking of claiming for health as well as personal belongings. We have said we believe the council is liable because they have a duty, as the landlords of the building, to maintain the structure and exterior and this was not done. After initially reporting the problem, they failed to properly investigate it meaning the leak persisted unresolved, ruining the contents of the shed. Therefore, the work the council carried out was not suitable and failed to prevent these damages. My friend, having reported the problem believes that she has done her bit to ensure the council was aware of it, in order to get it resolved. She had acted in a way to prevent these damages as a tenant. Basically, I was wondering if anyone knows how straight forward these cases are and if the council are likely to pay up. Also, if we have a strong enough case to prove liability. Surely the council had to do some sort of safety checks before she moved in and should have noticed the shed was leaking and either fixed it or recommended she didn't use it until it had been fixed? Thanks for reading and looking forward to your input!

I purchased a ticket, Trowbridge to Waterloo, via the FGW website. Ticket issued no problem, got the email and SMS confirmations as usual. Arrived at the Station - train is cancelled. Station staff told me I can claim a refund for the ticket, plus compensation (as I told them I would then have to drive to London). Filled out the form, attached (and luckily scanned) the tickets. Waited. A while later, get a letter from FGW apologisin. No refund. No compensation. A while later still, get an email from SWT saying they don't have to offer compensation for a cancelled train. I repled to the SWT email saying my claim is not for compensation due to a cancelled train, but for a failure in their IT system to inform me when they cancelled the train. I was also told the system should not have allowed me to book that train, so I advised it's actually 2 failures in their IT system. 2nd response from SWT was "I don't believe I am going to be able to respond to your satisfaction and I'm afraid that further correspondence will only serve to frustrate you." I am about to take this to the small claims court but before I do, I wondered if you have any other routes to sort this mess out. Many thanks, readers.

Ok, this is a long one, so bear with me, but any advice would be much appreciated. I called Nationwide 3 weeks ago to cancel the Continuous Payment Authority (CPA) on my debit card to which they declined, which as far as I'm aware is against the law? I unfortunately have had to start signing on again, this money goes in on a Monday. Last Wednesday (29/05) I emailed CFO Lending, informing them that I removed the CPA with them. I awoke Monday morning, to find that they had taken £160, and taken me over my overdraft limit. I am now in the process of claiming the money back,and already have some of it. But due to Nationwide's incompetence, I have been unable to eat, pay rent, and I have incurred charges on my account. Do I have any grounds for compensation? Any help would be much appreciated, thanks

Hello everyone I'm looking for advice on compensation levels a private landlord should provide me with after experiencing issues with the hot water supply for a prolonged period. Here's the story: I rent from a private landlord, although we have no contact with him directly - all issues are handled by an agency. I moved into the flat last May, and started experiencing minor problems with the hot water not long after; the supply wasn't always constant, and would sometimes come out cold. I believe I first let the agency know about this issue by phone in August or September 2012 - certainly no later than this. The situation gradually worsened over time as the hot supply became more and more erratic, until towards the end of April 2013 it failed completely. Up until then I had contacted the agency several times by phone, and each time they sent the same plumber, who was repeatedly unable to fix the problem, despite at one point fitting a whole new shower system. I have since discovered that the plumber was employed by a maintenance company which shares an owner with the agency, and I suspect this is why he was sent out 5-6 times, despite his inability to solve the issue. The problem was eventually fixed last week, when an enigineer was finally sent to examine the boiler; after waiting a week for a new part, he was able to repair the boiler and the hot water supply in around an hour. By this time however we had spent a month without access to any hot water other than via a kettle, in addition to months with an erratic supply. I brought up the issue of compensation for the inconvenience we faced over this time with agency last week. Yesterday they informed me that the landlord would only be willing to offer what they described as "minimal" compensation, which they suggested amounted to a little over £1 per day for the month with access to no hot water at all - so not much more than £30 in total. Obviously this seems pretty inadequate, to say the least. So what I want to know is: what kind of compensation I could reasonably request? Having looked at several similar stories online, it looks like about half the rent back for the period with no hot water is standard - does this sound right ? Overall rent for the flat is £1200 per month, so we would probably be satisfied with £600 compensation, although this would ignore the time spent before April 2013 with an irregular supply. One potential problem is that until now I've only raised the issue over the phone with the agency, and so I don't have any written or recorded evidence of how far back the problem goes, or when I first reported it. However at this point they have not denied that the issues started last year. Any advice greatly appreciated. Thanks David

Hi all, I am desperate for any help on the following. We rented a property directly from the landlord, as an HMO, about a year ago. The landlord harassed us and threatened us with eviction and we are looking for compensation as a result. The issues have been listed below as it's a bit long lol: 1. There were raw sewage floods in the kitchen and bathrooms due to an incorrectly installed pipe. This destroyed many of our belongings, left us without basic facilities, was a health hazard and we were left to clean it up ourselves numerous times. Finally, private sector housing became involved, issuing an improvement notice and the problem was corrected just days before we left the property. During the works, more of our belongings were destroyed by the work men. 2. The landlord entered the property many times without our prior consent or notice, accessing communal areas and knocking on the doors of locked rooms. A few days before Christmas, he sent a workman round with the key (Sat at 10am!) who let himself in and started installing a lock on our lounge door to permanently lock us out of that communal area (despite our furniture, landline and internet being installed there). The landlord then came to join him and I explicitly asked them to leave and had to call the police to resolve the situation. 3. The landlord withheld copies of our signed tenancy agreement, although I was able to obtain a copy from a fellow housemate. Rent is not payable until a contract has been provided with an address for which to serve notice. Later, he put the council tax in my name (for this 5 bedroom HMO with 3 other tenants) and I was taken to court by the council for non-payment as I did not owe it. The council agreed as it was an HMO, he was responsible for the council tax. A good few months later, I received another letter from the council asking me to pay this bill, saying the property was not an HMO as originally thought. It turned out the landlord had fraudulently changed our contract, attaching our signatures to a different contract to make it look like a joint tenancy agreement. I sent the original to the council and the bill was referred back to the landlord but they refused to take action for the fraud. 4. The landlord locked the spare room housing the electricity meter and lied to the utility company with a false reading. He then put the electric bill in my name once again and has continued to give them my phone number for this account which I have persistently referred back to him. In an HMO, the landlord is responsible for utilities in communal areas, however, he had not split these bills and wanted me personally to pay for everyone's share. He also lied to the water company saying the property was vacant so no bill was produced. 5. The landlord illegally evicted another housemate who was left sleeping in our communal lounge, affecting our enjoyment of the property and leaving this guy homeless. 6. The landlord threatened us with eviction despite paying 2 months' rent upfront, because we had agreed this was the first and last month's rent. However, legally, we were in credit of 2 months' rent and he could not threaten us with eviction. He then asked us to leave one of the rooms we were renting so that we were only living in one room (2 people) which is not allowed. He then tried charging us for both rooms. He asked us to leave the one room via text so it was not necessarily official. 7. The property was misdescribed as there was severe damp and mold to which I am very allergic. I had asked specifically about this prior to renting and was told there were no problems. Yes, we were in some rent arrears by the time we left but had actively been seeking new accommodation. There was no way we were giving him another penny. We paid £900 in total over 6 months, the monthly rent at first was agreed at £450 for two rooms but after the first month, we only took one room at his request so it would be £225/ month. There was probably an outstanding balance of 3 months in this case, although we did ask him about paying on several occasions and he avoided taking any money from us because he wanted us out. Since we were not given a contract, legally we did not owe rent until we got one (the bit about having an address to serve notice to). We were also subject to harassment and eviction prior to being in debt to him and didn't want to give him another penny. I know many people will have their opinion on this, but you cannot imagine the constant mental stress of living in a place like this where there is raw sewage flooding most of the ground floor and a maniac landlord letting himself in without notice. We were forever scared to lose the roof over our head and had random people accessing the house on the landlord's behalf (mainly workmen which we weren't given notice of or even briefed on). These work men were instructed to take the backdoor key so that the landlord could sneak it whenever he wanted (as there was only one back door key). We had to literally baracade (sp?) ourselves into the property at night (leaving our keys in the front door so he couldn't put his in from the other side and wedging the back door shut). Both myself and my boyfriend were seriously depressed during this time because of the stress. We are looking to sue the landlord for eviction and harassment. He admitted to private sector housing that he wanted us evicted so he could get a better rent yield with new tenants. They have a record of events and were involved throughout. My question is how would I go about introducing this case- would I contact the landlord to make an official complaint and outline the compensation and then go to court failing resolution, or do I go straight to court? How do you put a figure on compensation and would you even do this or would the courts decide an amount, you just bring a case to them? I am desperate for any constructive help and would really appreciate if people will consider how difficult this time was for us in their responses so that even if they think we were in the wrong, they can say why. Mainly I am looking for advice though with taking the case further. I have drafted a list of compensation and problems with the letting and have proof of most of the events (council have sent me the fake contract he made and I have a copy of the real one we signed, also have stuff from other organisations involved). Sorry it's a long post but to keep it shorter please ask if you need any more information and I will try to be more specific. Sorry if it sounds a bit jumbled up not sure how to go about this lol! Thanks again for your help.

If you have been suckered into paying an 'in advance' admin fee by Wentworth (or any loan shark company) you can get your money back. I had problems with them, and scoured the net - turns out, they've ripped lots of people off ! In short, I applied for a consolidation loan, received a text and letter to say my £10k loan had been approved and the lender would be in touch shortly - based on this info I paid an admin fee (lets be clear, before I just willy nilly handed over the money - they confirmed to me the lenders name, total amount repayable, loan payments, time, penalty fees etc) I was happy with this, so pauid the £65 ish pounds ... the money never appears. Instead I got bombarded by junk mail from high interest places, one of them being Ralph Marlon(?) offering £7000 at over 600%! not what I asked for.... I complained within a matter of days, and asked for my money back and made a complaint. they ignored me. I sent another letter. They then sent me a very odd letter that said I needed to provide ID and other docs to get a refund. odd. by this point I had had enough. I went to FOS. I gave them all info I had, emails, texts & letters. It took me from march 2012 - August 2012 to get my original refund.... but as I had some bank regulation knowlege, I pushed my complaint with FOS, stating that they took my money under false pretences - etc etc - 9 months later, I got my money back and £100 compensation. well worth it. A time consuming exercise - but I wanted to post so you would know you WILL GET YOUR MONEY BACK.

Hi all. I've got a complaint with my gas supplier. I asked for compensation on the 8th of April. Basically I didn't hear anything for about a month so I complained again attaching the original complaint email. I've now had a response asking me how much I wanted wanted compensating for, I had no idea what to ask for so I said - you tell me and Ill either agree or disagree. They're currently saying all I can ask for is £30 per day it was off, which I didn't think was very reasonable. The complaint is about gas that was shut off for planned upgrades (underground steel mains) - that should have lasted a couple hours, but instead went on for 77 hours! All because the contractors would not install the main in the location I wanted, which they eventually caved in and did it that way anyway! So the gas was cut off, on a Tuesday morning and not reinstated until Friday afternoon! In the meantime I had no central heating, hot water and means of cooking. I had to stay in every morning to get an answer on whether the guys would be coming back to reconnect, and when they didn't turn up I spent many minutes on the phone trying to resolve it. I phoned up every day to arrange some heaters. (we where looking after our little nephew) Everyday we where told they where coming, and to this day we're still waiting for them to arrive. All this taking place in March and in sub zero temperatures! So the £30 a day doesn't really cut it for me, what do you think?

i have been receiving incorrect bills from british gas since 2008. this is because they were sending me bills based on someone elses gas usage because they didnt update the meter serial numbers when they changed the meters. i was paying them between 2008 and 2010, before i realised the bills were wrong. i stopped paying them , and british gas have been sending bills for 1000's, and sending bailiffs and threatening letters, court action etc. in january 2013 they finally admitted it was their mistake and they refunded my incorrect bill payments. can i make a small claim in a civil court for my costs of sending letters, making phone calls etc.? and also for my hassle to prevent a magistrate court allowing them to drill out my locks ?

Hi, I was moving house on Feb 7th so I used the BT website to start the home move on Jan 15th. I received messages saying the order was complete & I moved in on Feb 7th to find the phone was working but no broadband. I complained & they said there had been an error & they would have to make a new order for me & it would be 7 days. On day 7 they messaged me to say it was all working. It was not. I called again to be told there was a fault on the line & I would have to wait 7 days for an engineer. Then the phone stopped working. They cancelled the engineer as the phone had a fault. After 22 days of this nonsense an engineer finally came round & said it was all fixed & told me what the problem was. Apparently the previous tenant had not been paying the bills & BT had placed a block on the line. He said they could have fixed it the first day I called as it was on the computer system & there was no need for me to be unconnected for so long. As I am disabled & rely on the internet for my son & I to get food, gas, etc this was a nightmare month for us. BT assured me I would be compensated. When I got the next bill they had only knocked £11 off the bill. How can I go about asking for compensation as the mobile calls made were more than £11 & I don't see why I should be out of pocket because of their mistakes. They had over a month from the point I initiated my home move & they messed it up all the way through. And to make things worse it has started playing up again this week. I have now been 4 days without being able to open Gmail due to connectivity issues. But I am still paying then £45 pm. I'm really not happy with their service. Thanks

Energy supplier SSE has been fined £10.5m by the regulator Ofgem for mis-selling gas and electricity. The fine is the largest ever imposed on an energy supplier by Ofgem. In its statement, Ofgem said SSE, formerly known as Scottish and Southern Energy, was guilty of management failures that led to "prolonged and extensive" mis-selling. SSE said it was "deeply regretful" about the mis-selling, and apologised to its customers. The mis-selling related to telephone, in-store and doorstep sales, Ofgem said. It said customers contacted by SSE were exposed to misleading statements, inaccurate and misleading information on SSE's charges, and misleading comparisons between SSE's charges and costs of other suppliers. Some customers were told they would save money when in fact they were switched onto a more expensive contract. http://www.bbc.co.uk/news/business-22011717 SSE customer compensation: key questions answered Find out what will happen to customers who were mis-sold policies. http://www.guardian.co.uk/money/2013/apr/03/sse-customer-compensation-key-questions-answered Ofgem press release: http://www.ofgem.gov.uk/Media/PressRel/Documents1/SSE%20Press%20Release.pdf Ofgem: Report listing 18 specific breeches http://www.ofgem.gov.uk/About%20us/enforcement/Investigations/CurrentInvest/Documents1/Notice%20of%20Intention%20to%20impose%20a%20financial%20penalty%20on%20SSE%203%20April%202013.pdf

As the title says there is far to much information on the link to post here so this is the link: https://www.gov.uk/pensions-and-compensation-for-veterans This is the Title Headings of the info on link only: Service Personnel and Veterans Agency (SPVA) SPVA strategy and objectives SPVA customers SPVA pay, pensions & administration contract SPVA pensions forms Pensions Armed Forces Attributable Benefits (Pre-6 April 2005) Additional Voluntary Contributions and Stakeholder Pensions AFCS Claim form Armed Forces Attributable Benefits (Pre-6 April 2005) Armed Forces Compensation Armed Forces Pensions and Redundancy Armed Forces Pension Scheme 1975 (AFPS 75) Armed Forces Pension Scheme 2005 Central Advisory Committee (CAC) agendas and minutes Commemoration Essential Guide to the Armed Forces Compensation Scheme Families and dependants The Future Armed Forces Pension Scheme New pension scheme - latest stage How to transfer benefits in and out of the Armed Forces Pension Schemes Members of the Armed Forces Reserve Forces Pension Scheme (RFPS) Review of the Armed Forces Compensation Scheme The Armed Forces Compensation Scheme The Armed Forces Independence Payment (AFIP) The Central Advisory Committee on Pensions and Compensation The Criminal Injuries Compensation (Overseas) Scheme Criminal Injuries Compensation (Overseas) Scheme application form The Gurkha Pension Scheme Aviation Archaeology Casualty Reporting Compassionate Casework Joint Casualty and Compassionate Centre (JCCC) Death in Service JCCC Post Death Administration JPAC Enquiry Centre Major Incident Centre Estates of Deceased Service Personnel - Unpaid Estates

Have a contract with them to look after boiler/central heating. Annual service feb 25th. Engineer said new heat exchanger needed. Part should be here within one week, but declined that the boiler be drained until fix. 10 days no response. Unable to get through on phone line so emailed them. Phone call next day engineer here Thurs 14th march. Guess? No show, no calls, nothing. Emailed again and reply by phone today 15th march. Will be here Monday 18th march. Asked about compensation, nothing to do with carillion! despite carillion van and engineer last time. I note that they charge you 30 Pounds if you miss an appointment. What level of compensation should I be entitled too? I'd say their charge of missed appt of 30 Pounds and what value of whole day of 8 hours? Or a month or two direct debits refunded? Any one else find Carillion dire? Thanks all

As far as I'm aware, they were all sent first class normal delivery. Yesterday, I received an envelope which was open, and a friend posted on Facebook and said the same. Another friend posted (and she posted the photo of the envelope) and said that she had the same - the envelope was empty and someone had opened it. At first (when I received the envelope) I thought nothing of it. Now that my friends have posted it, I have realised that the letter was a medal for something. Are we able to claim compensation for this please? And does anyone know the complaints procedure please?

EasyJet offered me and my friend 250 Euro each to swap flights as our flight from Geneva to London was overbooked. Our original flight was 1115, our replacement flight was 1310 but did not actually leave until 1600. When we tried to collect our compensation, guess what? They refused to pay up and told us we were only entitled to £100 each, this seems to be a common policy of theirs. Any ideas how we can get them to keep their promise? Thanks JIM