I have recently been informed that towards the end of 2017 the DWP computer lost my records. I experienced problems with payments in Jan 2018 but did not think any more about it as they sorted my ESA payments out. However, last month I was informed that by mortgage company that they had not received any payments under old scheme prior to changes made in April 2018. I was contacted by Serco and completed the SMI loan agreement that was posted back early June 2018. I have been informed that these completed documents were received by DWP early August 2018 who subsequently sent them Clydebank DWP centre. I contacted the 0800 number ESA department who informed me that the paperwork was sent to Clydebank early August 2018. I queried why I had not received an correspondence reference the SMI loan. The adviser put through an emergency call back from Clydebank. This is when I learnt the delay was because my computer records were lost sometime in Nov 2017. Hence the delay as Clydebank did not have access to information they needed for my SMI loan application as not on the DWP computer system for some reason. The adviser took the relevant information from me and was very supportive though bemused by my situation. She is contacting me back reference SMI loan. However, my concern is as the claimant of ESA and IIDB why was I not informed of the loss of my data by DWP computer? Please, advise me on what I should do? If it was the other way round and it was an overpayment scenario; DWP would be straight on to me.

I sold an item on Etsy sent with myhermes and my customer didn’t receive it. The item was posted on December 11th but the buyer didn’t inform me they had not received until January 15th. I informed myhermes who said that they could not locate the parcel but would not pay compensation as I informed them after 28 days. The item is worth £20 so within the standard compensation rate. their terms state: You must notify us in writing of any claim for Loss or Damage or Late Delivery within 28 days of the date of the relevant Order. If you fail to do so, we will not be liable to you for it, except where you are able to prove that it was not possible for you to notify us of your claim in writing within this time limit. I offered as proof that I could not notify them as my buyer had not informed me of the loss. They have refused this as proof stating that proof is only where the sender has been hospitalised?! I’ve asked them to clarify the proof term and direct me to where this is written in their terms but they can’t provide this. I’d appreciate some help with moving forward with this please. Are they within their rights to refuse compensation and put a 28 day limit on informing them of a lost parcel? Can they refuse as proof the fact that I was not informed of the loss by my customer before the 28 day period?

Hi I'm seeking some advise regarding a car policy being cancelled without knowledge. This was the 2nd major issue I've experience with a company that I've been with for over 15 yrs. So I'm pretty disappointed right now with the service. I do have some interesting pointers if anyone wants to get involved with this 1?

In July of this year me and my partner felt we would like to switch to a new gym which was much better suited to our needs, from our then current gym Xercise4less. We know that when you cancel a membership there tends to be a contract to honour or a notice to fulfill, so we decided that we would not make the switch until payments had been sorted with Xercise4less. Money is tight and we are frugal, so we would not have two memberships running at the same time. We went in to our local branch in St Helens and spoke to a young man on reception, who's etiquette left a lot to be decided, distracted by mates and such. To be fair to him they seemed short staffed. However, he categorically told us that as we had only signed a 12 month contract and had been there for 18 months, so we were free to cancel our membership and there was no notice or fee or anything. He took down our names and looked on the system and told us that as the cancellation would take a few minutes, he would go through it on the computer and we were free to go home. We were a little surprised it was that easy, but he categorically told us the above facts so we had been given the green light to sign up with the new gym. We cancelled our direct debits the next day to be on the safe side, because we had heard stories about Xercise4less (Harlands) continuing to take payments. So we have been at our new gym ever since, when out of the blue this morning, we both received texts telling us "You cancelled your direct debit, so your account has gone in to default". I enquired on the phone number given on the msg, and the agent told me that I was supposed to give them a months notice, so that Harlands could take a final payment of £9.99. As the DD was cancelled, I have incurred a £20 admin fee since. So I owe them £29.99. I explained that their Xercise4less colleague had wrongly informed us of the terms, and had we known, we would have absolutely not joined the new gym till a month later. He agreed and put a notice on my account that I was wrongly informed and told me there was nothing he could do, but I needed to speak to the general manager of the St Helens branch to see if they could reason with me. I rang up the branch and the man on the phone told me they had no general manager until October. I have to say the phone call was quite blunt and the staff in that gym are generally not the most professional people. Not sure what to do next then. I have to admit I hate these situations, I am not a confrontational type, I am very shy and I went in to the gym today for answers, but when I saw there was no staff on reception I bottled it. Any help would be appreciated. Thanks.

Hi can anyone one help I am a single mum with three children two disabled, I have received a letter from HMRC saying that they have been informed that someone is living with me when I have not and have concrete proof can you help please Thank you