Hi there, good afternoon A quick question, we've just launched our online store and had our first teething problem! We sold an item but completely forgot that we left an automatic discount on the system to apply on all orders over a certain amount, the customer was obviously very happy with this discount applied! As this was an error on our side, do we have to honour this order with the discount? Many thanks

Hi I would like to were I stand about requesting my landlords details? The reason for this is about two months ago they tried to fit prepayment meters in the property, which I refused to let the engineer to do. I live in a shared house, we pay one sum for rent and all bills expect TV license. We have a sheared kitchen, utility room and bath room. I rang my local council for information regarding this and was told we should be a HMO (house of multiple occupancy) and the house is not registered as one. The council are now requesting me to let them do an inspection? so I called them about it and got fobbed off, so I requested my landlords details as no one has it in the house. I have sent numerous emails, calls and texts and had not received any reply. So I sent this to them on the 13.04.2016 and no reply. Any help would be very appropriated. Strongdumplin I am the tenant of the above property. Under section 1 of the Landlord and Tenant Act 1985, I hereby request you to provide me with a written statement of the landlord’s name and address within the period of 21 days beginning with the day on which you receive this request. You should be aware that a person who, without reasonable excuse, fails to comply with this request commits a summary offence and is liable on conviction to a fine not exceeding level 4 on the standard scale, which currently stands at £2,500. I look forward to receiving your prompt reply. Yours sincerely.

Hello I moved into a property as a tenant in London in February 2015. At the time another tenant was already at the property since 2013 but the overall tenancy has started in 2010. Several tenants had lived there before she moved in herself. Before me moving in we both signed an assured shorthold tenancy agreement, agreeing to continue the tenancy for another year until March 2016. At the time of signature we had heard of an inventory that had been made in 2010. It wasn't provided to us then and my housemate who had been there for two years had never seen it. With hindsight I should have asked to see it as it says - in the tenancy agreement we have signed - that we agreed to keep the interior and decoration of the premises including fixtures and fittings in the same condition throughout the tenancy as stated in the inventory. Although it adds that we are not responsible for fair wear and tear. So on 1st March 2016 we both moved out and the landlord decided to end the tenancy there and then. We were both responsible to empty an entire house of stuff left over the years by all the tenants that have been in the house before us. We were provided with the 2010 inventory three weeks before we left because I asked for it, as we had no way to know what furniture belonged to the property. The inventory showed that the place was already run down six years ago, with mentions of multiple marks on the carpet, the walls, 'off-white' sofas that was clearly white in the old days... Anyway, we really wanted our deposit back so we did pay £230 for end of tenancy professional cleaning and left the receipt with them. It didn't include upholstery but then I never sat on the sofa without a throw on it as it was so run down when I moved in. Now the landlord wants to deduct £510 for carpet and upholstery cleaning and said it was only an estimate so it could end up being more. She also said that we had two days to accept (over the weekend, sent last Friday) or she'd add £200 to fix other things including a rip under the fridge that was there before we moved in, etc. We were asked to accept on Monday but we refused, saying that we had 10 more working days to reply as per contract. Do you think we should pay anything extra? There are a couple of additional marks on the carpet that were there before we both moved in. Should we pay to fix that? Does that justify the £510? Thanks for your help.

Summation of the facts but it does make you think doesn't it. Medical science is helping mankind live longer but it seems that we should feel guilty for being a drain on society for taking our pension that we've paid for. Just to cheer you up……how did a pension we all paid into suddenly become a benefit. ????? Worth some thought - Where did all the money go???? THE ONLY THING WRONG WITH THE GOVERNMENT'S CALCULATION OF AVAILABLE PENSION IS THAT THEY FORGOT TO FIGURE IN ALL THE PEOPLE WHO DIED BEFORE THEY EVER COLLECTED OLD AGE PENSION. WHERE DID ALL THAT MONEY GO? Remember, not only did you and I contribute to our Pension, our employer did, too. It totalled 15% of your income before taxes. If you averaged only £15,000 over your working life, that's close to £220,500. Read that again. Did you see anywhere that the Government paid in one single penny ? We are talking about the money you and your employer put in a Government bank to ensure that you and I would have a retirement pension from the money we put in, it was not money that the Government had any right to spend elsewhere. Now they've started to call the money we paid in an 'entitlement' when we reach the age to take it back. If you calculate the future invested value of £2500 per year (yours & your employer's contribution) at a simple 5% interest (that's less than what the govt. pays on the money that it borrows from overseas), after 49 years of working you'd have £892,919.98. If you took out only 3% per year, you'd receive £26,787.60 per year and it would last better than 30 years (that means until you're 95 if you retire at age 65) and that's with no interest paid on that final amount on deposit ! If you bought an annuity with the money and it paid 4% per year, you'd have a lifetime income of £1976.40 per month. THE CROOKS IN GOVERNMENT HAVE PULLED OFF A BIGGER ROBBERY THAN THE GREAT TRAIN ROBBERS EVER DID. Entitlement !!?? My foot !! IT'S MY MONEY !! I paid IN cash for my pension. Just because they borrowed the money to spend on other things, that doesn't make my pension some kind of charity or hand out!! Remember MP's benefits ? --- free healthcare, outrageous retirement packages, 67 days paid holidays, three weeks paid vacation, unlimited paid sick days. Now that really should be called welfare entitlements, yet they have the nerve to call my O A P retirement payments entitlements ? We're "broke" and the government can't help our own OAPs, our ex-service personnel, our orphans or our homeless. Yet in the past few years we have provided aid to Haiti, Chile, Turkey, India, Pakistan, etc., etc., etc. Literally, BILLIONS of Pounds !!! And they can't help our own citizens ! Our retired seniors living on a 'fixed old age pension have to beg social services to receive additional aid, while our government and religious organisations pour hundreds of billions of £££ tons of food to foreign countries ! They call the old age pension an entitlement even though most of us have been paying for it all our working lives, and now, when it's time for us to collect, the government is running out of money. Why did the government borrow from it in the first place ? It was supposed to be in a securely locked box, not to be used as part of the Government's general funds. PS Our Road Tax payments should go back to paying for the maintenance of our roads, like they were meant for.... Who changed that?

Hello Me and my partner are trying to gain control of our credit files we have a few debts that are now quite old but even after researching and looking through the site i'm still confused as to where to start. Any help would be much appreciated. I will post the alleged debts below Me DCA Orig Debtor Balance Date of Default Natwest 683 Dec 2012 Lowel Unknown 283 May 2011 Lowel Jd Williams 229 Oct 2011 Partner DCA Orig Debtor Balance Date of Default Hoist Portfolio Holiding Jd Williams 231 June 2011 Lowell Unknown 199 July 2011 Lowell Shop Direct 578 July 2011 I Just dont know where to start Thanks

The wealthiest 62 people have as much wealth as that of half the worlds population combined: http://www.theguardian.com/business/2016/jan/18/richest-62-billionaires-wealthy-half-world-population-combined

Hi all really need some advice am so worried. We have c/tax arrears for 2015/16 which up to today we had left 596.20 the last payment we we're due to make was late by 7 days due to my partner being self employed and the way payments fell due to Christmas. Anyway we have always made payments as agreed with jbw never have we not paid(over a £1000 has already been paid to them) well today I received a not so lovely visit from two bailiffs who to say the least we're not the most pleasant of people I have ever meet. They issued us with a enforcement notice for full payment which now stands at 831.20 due to 235 in fees. I said to the bailiff could we not continue with the current payment plan of £250 a month to which he replied well how much can you pay today I said £20 as I paid you £250 less than 7 days ago and that's all I have, then the next payment of £250 would be made as normal on 18th Feb. But refused this offer. Now I don't know where we stand there is no date on the letter as to when they will be back either. I never let them into my home and never offered them in either. What worries me the most is if they turn up again when my daughter who has a disability is here lucky enough today she was at school but what about next time she would not react well to these thugs in suits turning up and behaving in the manner in which they did today. I'm really at my wits end I don't know what else to do. Any advice would be grateful. Thank you

So the issue itself is kinda "resolved" as I'm told to wait up to 4 days for it to arrive. But I'm left feeling misslead with the information that was provided when I made my order, and anoyed that whenever anyone from our household orders from Argos it always seems to encounter an issue!? Basicly I orderd a game that was due for release today, and I chose argos as it stated specificly that if I placed it I would get "delivery within 1 days" shame that's not the case however. As it was only till after my payment had been processed did it give me the typical error of, "Unfortunaltey we're unable to confirm your order at this time and will email you soon when it has been confirmed" or well something along those lines at least. Anyway I was paitent waited till the late morning which is now for any updates as I was expecting this today.So heard nothing and then I got in touch with Customer service, asked about the status of my order, I was calm and explained in detail what happend, they were short but quick to pass me onto someonelse who could handle with my queries. When I mentioned that it specificly said "1 day delivery" they told me straight that they "doubt" it said that and was probably for dispatch instead. Which I could understand more if it actually said that, but it didn't so I felt like i'd been misslead and that apperently they "knew" what it actually meant or said despite me seeing it clearly worderd with the words " 1 day delivery" not dispatch. They then proceeded to ignore my other quires and asked me to end chat and fill out the survey. In regards with my other quries which were, with what happend with the system as it's not even able to send notifications out or update my orders status? Or will I even receive SMS notifications at least?? When can I expect to hear any updates??? And then from that service it got me thinking about how this kind of thing has happend before numerous times when we've orderd Cookers, and Washing Machines, Tumble dryers and all sorts from them. I don't know why Me and my family keep trusting them probably becuase I had hopes they'd improve and it was all just unfortunate circumstances but this has been too often now and I'm just rather peeved and needed to vent. Sorry if this isn't the right place or if my spelling/grammar is off, I maybe dyslexic but I'm not blind and can understand the meaning of the difference between the words Delivery and Dispatch. Honestly it'd be nice to know at least that I'm not the only one who's experienced repeated poor service so I feel less of a personal target by them even if it's unintentonal and just system/human errors. ~ Sincerly a foolish customer.

decided to transfer our telephone and broadband from sky to bt this could not be completed by bt until mon 4th january 2016.bt failed to honour this date and failed to get us switched on until the 8th of january 2016. we made numerous phone calls to bt then they sent a engineer around unanounced to check the line. he was amazed and could not explain how this happened as all itjust a supplier transfer.from sky to bt everything was working with sky then it was not with bt.confusing i agree we got a bill on the 4th of jan16 billing us for the next month in advance.so we have paid for services we have not had.i contacted bt showed very little intrest in our dire situation.formally then submitted a complaint.only response we had was to aknowledge the complaint .someone would contact us within 7 days 14 days later heard nothing.a horror story from the start.any ideas what to do on this one how to aproach bt .not happy at all

My son received court papers today that state: This claim is for 377.92 the amount due under an agreement between the original creditor and the defendant to provide finance and / or services / goods. The debt was assigned to / purchased by Lowell portfolio 1 Ltd. on 27/ 02/2009. And notice served pursuant to the law of property Act 1925. Particulars / shop direct and an account number. They also claim 8% interest. A few years ago we were receiving letters from shop direct, we told them they have the wrong person. No one has ever had a mail order catalogue in this house. Eventually after them ignoring the issue of the wrong account we sent a CCA request which they totally ignored. We heard no more except one or two letters from Lowell during the last few years which we ignored as the account was in dispute with the original creditor for not supplying a CCA. I intend fully defending the claim but could use some help as this account is fraudulent. Looking at the date of purchase feb 2009 and the previous time we were dealing with shop direct this fraudulent account would also appear to be statute barred.

Hi All. I bought my car back in November privately for £5500 cash. I asked if there was any finance outstanding etc which they said no. Just before Christmas I fell ill with my kidneys and now await an operation. Unable to work and having started a new job I do not get sick pay losing £630 per week. Now my rent is due along with lots of other bills. I made the decision to sell my car, downgrade and use some of the money to left to pay off rent and essential bills. I took it to a garage saw a car we liked. Arranged to swap my car and get £1200 back. The dealer checked my car out to find out there's an outstanding finance agreement. I spoke to the creditor, who is Barclays personal finance who agreed there is an outstanding agreement and they require some forms to be filled out which I have done. I had to write down where I bought it. How I paid. If I had a receipt. When buying the car the seller drawn out a receipt stating how much I paid for it and when and we both signed it. It also asked if I knew if there was any finance outstanding which I didn't and if I had done a hpi check which I did not. I have also sent copy of the log book showing Last owner. i also wrote Down I bought the vehicle in good faith , which I did. Now that was a few days ago. This car is the only thing what can same me my partner and our 1 year old getting kicked out. We had some savings but that went on last months bills and Christmas. I need to sell the car but now I may lose it and have nothing. I took out a loan to pay or the car initially so we may lose the car and pay for something we do not have. I have read that if you declare the car was bought in good faith and you have a receipt of some kind they will let you keep the car . However I am unsure about this. Someone said just sell it anyway as they will just remove the hpi mark as I bought the vehicle in good faith. Is there anyone who can help me with this as I'm making myself more I'll worrying about this and my family getting kicked out. I am a hard working person. Pay my bills and provide for my.family and now this has happened. My family can't help as they are elderly. I just have no where to turn to. CAB were useless, as where the finance advice line. all I keep being told is to seek financial help from family. Which isn't an option and we can't get loans as I went bankrupt a few years back due to my employment going down after a bunch of break ins. Please help

I would like to wish all our Armed Forces, their Families and those who may be on Duty during this season wherever you may be that your courage, selflessness and sacrifice is not forgotten. I wish you all a Merry Christmas

My friend and I were traveling to Crete Rethymon on the 21st of June 2015 with Jet2 from Glasgow airport. We were meant to return with them on the 28th of June 2015 to Glasgow airport. We bought 4 miniature bottles of vodka at duty free. When we were on our flight, my friend opened one of the miniature, one of the cabin crew said that we were not allowed to consume it on the flight. We apologised and handed the miniatures to the cabin crew to be locked away until we departed our flight. We were then asked if we would like drinks from the trolly, we ordered food and some alcoholic beverages. Another air stewardess came over to us with a bad attitude and handed us a rather threatening letter. She asked for our passport details. We then asked why we were asked for our details as we did not want to be put on some sort of data base. The air stewardess began to raise her voice, threatening us, that if we did not hand over our details she was going to get the pilot and that the police would be waiting for as when we land. We did not refuse to give our details, we simply asked what they were going to be used for. My friend asked her to lower her voice as it was drawing attention to us. We gave our details to another air stewardess who apologised for her colleagues behaviour, she also told us that we would be able to fly with Jet2 on our return flight and not to worry. (I have a voice recording of this conversation). Half way through our holiday on the 24th of June 2015, we received a phone call informing us that we were being refused to flu home with Jet2 due to a report which had been filed by cabin crew that we continued to drink our own alcohol and displayed aggressive behaviour. These allegations are untrue and frankly quite frightening that Jet2 staff can make up such lies leaving their customers stranded in a foreign country. I have sent numerous emails to Jet2 asking for the situation to be fully investigated and I have sent the voice recording as evidence that no aggressive behaviour was displayed by my friend and I. Jet2 just said that it has been fully investigated which we know that it has not. We feel that our voice has not been heard. We had to cut our holiday short by returning home on 27th June 2015 with EasyJet flying from Heraklion airport to Edinburgh which caused us further expense. We paid approx £400 for alternative flight, thats not including the expensive phone bill of £50 for phoning Jet2, bus and taxi expenses to travel to the airport, or having to cut our holiday short which also ruined our holiday. Lastly we both experienced much stress in regards to how we would get home. This has put me off flying again, as it appears that customers do not have any rights, and how easy it is for staff to make up lies leaving passengers in foreign countries. (I have a copy of all email correspondence, voice recording aboard the flight with a member of cabin crew, we also have a photo of the threatening letter which we received on board. Help would be much appreciated as we are looking for compensation, an apology, and for cabin crew to be dealt with appropriately in order for this to not happen to anyone else.

We bought a used car, part exchange on 1st November. We bought a 2006, VW golf, priced at £2695 for £2200 and the rest px for our MG ZR. We were told that there was a one month warranty with it, but were given no paperwork to this effect. Within half an hour of leaving the garage, the emissions light had come on so we immediately took it back. We were informed it was likely to be a filter problem, he made a phone call to a local auto shop so we could collect something to put in the fuel tank and we were advised that driving it in in a high gear between 2 & 3,000 revs for about 8 miles, this would clear it. Having done this, the light didn't go off and they told us to go back to the dealer, which we did on the Monday. We turned up there to be told that it would need to be left for an hour, someone would need to fit a Lambda sensor and to bring it back the following Thursday, which again we did. This time my partner was told that it would have to be left until the Saturday, it would take longer than an hour as the electrics would have to be reset as well. My partner explained this wasn't convenient, he needed the car for work and it was agreed that he would drop it in the following morning (Friday), on the proviso that it would be ready for collection at the end of the day. This meant he could see about getting a work colleague to go with him when he dropped it off, and then take him to collect it at the end of the day. After sitting in morning rush hour traffic for over half an hour to get to the garage (5 miles from his work) they had to turn back as they had to be at work. He informed the dealer, and asked if the mobile engineer/electrician could attend his workplace instead to do the repairs. Later he rang to say the mobile engineer only covered Halifax, and wouldn't come out to my partner's place of work in Brighouse, 5 miles away! Instead it was arranged that he would collect the car from my partner's place of work on the Monday, and return it to him the same day. My partner texted to find out what time he'd be collecting the car, and got a response saying 10-11. He also let the dealer know that the airbag light had also come on reporting an airbag fault on the dashboard. My partner received a phone call asking if he could instead bring the VW back and he would give him a refund. My partner asked why, and was told that the coolant light on the MG had come on, it took a while to start, and when it did, blue smoke was coming out of the back. It was agreed that he would return the MG to my partner at work on the Tuesday morning and bring cash to refund us the car (he obviously couldn't bring his card machine!). We thought that the problem with the MG was likely to be due to him having had it sat on the forecourt since we left it and it being a very cold morning. Monday night my partner enquired to find out what time the MG would be returned and confirm he would pay us in cash. On Tuesday morning my partner received a text reneging on this agreement (contract break?) saying that he wasn't going to drive the MG as it had problems and he didn't want to break down, and that he would transfer the money by card when the VW was returned. However our car is up for sale on their website, and today was reduced in price, with comments saying it is a good drive etc etc. We felt that he was not playing fair, kept changing the goal posts and now implied that there were major faults with our car and so sought to find out what the problem was with the VW to consider our situation for getting the VW fixed, as per the original agreement. My partner took the VW to a VW dealer to get an exact breakdown on the faults. What he was saying was the fault was incorrect; there is no problem with the filter or the sensor. They diagnosed problems with EGR Valve and Hose, Glow Lamps and airbag the tracking needs sorting and two of the tyres are borderline illegal, the other two at 3%. We had looked on the MOT at time of purchase it having only been done in September and nothing was stated about the wheels needing changing. So assume he has changed in the meantime and we won't really have a claim there, we should have noticed it before purchase. We have been told that we're looking at over £1k to get it fixed with them (without the price of the tyres), so have booked it into an independent garage, where the hourly rate isn't the £100ph as per the VW garage, but until they have checked out the full extent, cannot advise on the labour cost. They have confirmed the parts will be the same price as will be VW parts. We informed the dealer of this, explaining it had to be booked in urgently for safety and the cost of doing so, and invited him to come to an agreement for paying the repairs or part of. He has straight out refused this, saying that it's a good car and doesn't need that much work doing on it(!!). Yet we have a report saying that it does. He simply keeps saying about a refund, no further mention of our MG. He has previously been given the chance to repair it, but didn't sort it. We explained that the parts are on now order and, again asked how much he was prepared to pay, as our car was still under warranty but he hadn't fixed it as previously arranged. How do we stand at getting him to pay at least some of the bill through small claims, if he won't settle when the work is done? Further, their advert explicitly stated that it had a full service history, which he also told us, but going through the log book when we got home it only has one until 2012. I understand a lot of people are probably thinking we should get our money back and walk away, but how do we know that they have not been the cause of the problems with our car, as it had been fine up until we sold it, and had had a 21 point service a few weeks prior. Also, it's about the principle that he'll put it back on the forecourt for someone else to go through the same thing with, as is likely to happen with the MG if he's saying it's broken, but is still advertising it for sale. Looking on a reviews page, seems that we've not been the only ones to be given a shoddy response when it comes to fixing faults and someone else is also reporting him to Trading Standards. Help!!!

In brief - We went to a local independent flooring company, wishing to purchase a wood floor. The owner talked us through the various products, came to our house to look at the area it was for, measured up, checked the subfloor etc. He then recommended a product for us, ordered it and arranged for "his team" to come out and fit. He arranged the day and time they were to come out and told us that we should pay them cash on the day. In the meantime, he took moisture readings, spoke to the manufacturer and also the manufacturer of the underfloor heating we'd had put down, to check what underlay might be needed. The floor was fitted by "his team" - his brother and another man. It subsequently failed 4 times in the course of a year. The first 2 attempts to remedy the problems were made by the fitters. After it went wrong the 3rd time, it came to light that the fitters and the company owner had parted company, so the company owner/supplier came out and attempted to repair it. The same thing happened again, and he came out again. At this point, the supplier offered us a replacement stair carpet for our trouble. We said that this was not necessary, but if the floor failed again, we would be seeking a refund. When it failed again, we requested our money back. The supplier agreed, minus fitting costs. When we argued, he withdrew his offer and offered us a replacement floor instead. We expressed our concern that we had no confidence he had the neccesary skills and knowledge to fit a floor, given our experience thus far. We then took advice from the CAB and wrote a letter before action, inviting the supplier to comment on what he believed to be the issue with the floor, and offering to go to mediation. He responded, trying to lay the blame on us with various spurious claims, including that the contracting of the fitters had nothing to do with him - since the receipt he issued clearly stated "supply only." We then wrote again, offering to have an expert inspection and report done on the floor, and asking that both parties share the cost in order to confirm what had caused the problems with the floor. He refused, saying the cost was too great in relation to the value of the floor. We once again gave him the opportunity to refund us, while warning him that he may be asked to pay the cost of the report, should we take our case to the small claims court and win. In order to ascertain whether we had a case, we had the expert inspection done. It found that the fitting was to blame for the issues, including inadequate moisture and humidity readings taken by the supplier. The expert contacted the supplier to find out exactly what prep he had carried out and the supplier told him. The report also queried the suitability of the product for the conditions of our property. Once again, we wrote to the supplier with details of the report's findings and requested a refund of both the flooring, fitting and cost of the report or we would have no choice but to take our case to the small claims. The supplier has not responded. We feel we have a strong case. However, our concern is that it may be thrown out on the basis that the receipt we were issued was for supply only. In the letters from the supplier, he does state that he tried to repair the floor on 2 occasions, hut says it was purely a good will gesture. However, he also states that he did the pre-fitting site visits and prep. So, what is our legal position regarding his responsibility for the fitting of the floor?

This Is How Our World Could Die, According To NASA It’s not pretty Rob WaughRob Waugh – 7 hours ago 'Death star' 'Death star' Scientists have spotted a planet being ripped apart as it orbits a dead ‘white dwarf’ star - and it could be a vision of our own future. ‘We might be seeing how our own solar system could be disassembled in the future,” said Andrew Vanderburg of the Harvard-Smithsonian Center for Astrophysics. ‘We are for the first time witnessing a miniature “planet” ripped apart by intense gravity, being vaporized by starlight and raining rocky material onto its star.’ As stars like our Sun age, they puff up into red giants and then gradually lose about half their mass, shrinking down to 1/100th of their original size to roughly the size of Earth. This dead, dense star remnant is called a white dwarf. A research team led by Vanderburg found an unusual, but vaguely familiar pattern in telescope data. While there was a prominent dip in brightness occurring every 4.5 hours, blocking up to 40 percent of the white dwarf’s light, the transit signal of the tiny planet did not exhibit the typical symmetric U-shaped pattern. It indicated a ring of dusty debris circling the white dwarf, and what could be the signature of a small planet being vaporized. ‘The eureka moment of discovery came on the last night of observation with a sudden realization of what was going around the white dwarf. The shape and changing depth of the transit were undeniable signatures,’ said Vanderburg. ‘For the last decade we’ve suspected that white dwarf stars were feeding on the remains of rocky objects, and this result may be the smoking gun we’re looking for,’ said Fergal Mullally, of NASA.

Hi Me and my boyfried went into Mercedes last Friday, after spending almost 3 hours there we found a car (used 2 years old) we loved so we paid our order deposit of £500.00. We then left the garage expecting a phone call in a couple of days to go in and sign the finance papers and confirm when we can expect to pick up our new car as it would have to be delivered from one of their other garages. Later on the Friday we got a phone call to say that someone else was going to view the car on the Sunday who then bought the car. Mercedes now cannot find a car the same as the one we put our deposit on. I thought that the car was ours and that we entered into a legally binding contract when they took our £500.00 deposit as our order deposit. Can anyone else advise please?

Hi floks, I think it's a reasonably simple issue (or so I hope). I have had set up by the property agency a direct debit for my rent of £800 from my account. It's been going smooth until today. The agency DD'ed the full amount - however, I'm moving out of the property 10th of this month. The agency, of course, knows about it as they have themselves informed me long time ago I had to move out as the landlord is sellling the property. I had in this bank account less than £800 so it shows right now that my balance is negative. I guess, it will have me incur, not because of my fault, various penalty fees on top of that. What next step should I take?

It amazes me that Utility Companies treat us with contempt again and again and get away with it again and again. Today’s CAG newsletter “Npower ordered to give energy away for free” or E.On fined £7.75m Sorry, as a newbe I can't post links but everything can be found easily on google District Heat systems only affect a few hundred thousand of us at the moment but that number is expected to grow in to the millions over the next few years. District Heat – a block of flats has one boiler making hot water for all the flats. In theory cleaner and more efficient (cheaper). That hot water is passes through a “heat exchange” in each flat generating hot water for heating and washing Given the utilities companies history it is amazing but the government prefer to leave the companies to self-regulate on the basis that…… actually I have no idea why anyone would think that is a good idea So they have. There is an organisation called "The Heat Trust" which is managed by the, ironically named, Heat Customer Protection Ltd. They have come up with this wicked wheeze known as the “Heat Cost Comparator” upon which prices appear to based, it includes 1. How much it would cost if it were gas 2. How much the standing charge would be if you had a different supply 3. How much it would cost to service your gas boiler 4. How much it would cost to replace your gas boiler Add them together and that is how much you should pay for your heat Maybe it is me but I think 1. The price should be based on how much it costs to produce the heat not on how much gas costs 2. Our standing charge should be based on our costs not someone else’s 3. We don’t have a boiler and our heat exchanger is very low maintenance 4. The heat exchanger is expected to last a lot longer than a gas boiler and then be cheaper to replace This system has been, according to The Heat Trust, “reviewed and approved” by Which? and the Citizens Advice Bureau. I asked Which? and the CAB and they both refused to confirm or deny if they had “reviewed and approved”….. ummmmmm I smell a fish ARUP wrote a very interesting report which says that if this is the correct method then we are only being charged twice as much as we should be, page 8 says a 2 bedroom flat which should be about £350 a year is actually closer to £700 in the East London scheme In the Which? report Turning Up The Heat – Getting a Fair Deal for District Heating Users. March 2015. It was written “the lack of consumer protection had left many feeling vulnerable: It seems to be done with a certain amount of protectionism towards the companies and nothing for the consumer” The report goes on about how much it should cost. To give you an idea I moved in to my 3 bedroom flat on the 1st Dec 2014. By the end of June my Heat Bill has been £832, annualise that is £1,250. I keep writing to my MP Matthew Pennycook – that does me no good at all On the upside I have got the ASA to investigate E.On for their claim that District Heat is no more expensive than Gas. On the 7th July I received a letter from the ASA apologising for the delay “We have received a response from E.On, which we have assessed. We may need to go back to them for some further clarification” – yea I can’t get a straight answer from them either And I do have the Financial Ombudsman investigating them as well because the maintenance, repair and replacement is an assurance policy which should be regulated. E.On have bundled it in to the standing charge so it is not regulated. If E.On pull out of the market I lose my premiums. OFGEM will not look into it because their remit is Gas and Electricity and I am buying HEAT Maddest one yet, the Ombudsman for Energy will not look in to it because E.On have not signed up for their services. Ahhhhh???? So, the million dollar question. Why don’t I change provider? I can’t E.On have a monopoly! This is going to happen to loads more people. write to your MP. We need regulation NOW

We are planning to sell our flat and we know that our neighbors had issue with selling his property. He said the landlord told him that he can't sell it until they refurbish it to a good standard. He then went to his solicitors and they told him that the landlord has the authority to do so. He eventually refurbished the flat and sold it. But he said the landlord was even able to choose which buyer he wants and whether or not that they agree with the price. Is that even possible? Could it be that he has a shared lease ownership? I tried searching online to see if landlord has any control over the selling of the lease but I couldn't find anything.

So, it is ok for this to happen when the NHS want to save money, but someone who is already suffering from a dreadful disease who wants to end their life.. Cannot do so ??

Hi We have been living at our address for 8 years, our neighbours over the back fence have been there 14 years, when we bought the house there were very high conifers over 10mtr high, we had them cut down to 4Mtrs and have maintained this since 2008, last year the neighbour over the fence advised us to remove the trees as they wanted to put up a fence and wall, to which we advised we could not agree, as they Trees did not affect their enjoyment and were a reasonable height and are 30ft away from their house and in the middle of their garden. This year while we were away we came back to find that the Neighbour has cut back the trees, beyond our boundary and also within our boundary, we have informed him that this is illegal and that our trees are now dying, he has written back and advised me that we have to bring them down and remove them, and if that is not acceptable we have to bring them down to 6ft, we feel that :|we have complied with the legal requirements over the last 8 years and the trees are not a nuisance but he wants to remove them to satisfy his whim, which over the last 14 years he has said nothing about. I have been in touch with the Insurance Company, they advised that we have no legal cover, but the Neighbour has trespassed by removing branches beyond his boundary and cutting into live wood, causing the trees to die back! I have been advised by him that he will approach the council and he will demand the trees be cut down to 6ft, he is ignoring the damage he has done, and has stated that he is entitled to remove brambles and he is entitled to remove anything which was over 2meters he could view from his garden, so I am very annoyed. Please can someone help me do a letter to write to the neighbour as I am a loss at to what he is now trying to do, as he has already damaged the trees. Thank you

Hi, this is my first time on a forum so apologies in advance for the length of this posting. We owned a 1934 classic car and in October 2011 it was being transported to a venue by a reputable carrier in whose tow vehicle my husband was a passenger. Unfortunately the car was totally destroyed when the carrier's driver lost control and both vehicles somersaulted across three lanes of the motorway. The carrier accepted liability and, as we had legal cover and it seemed a straightforward case, our insurers passed us onto Minster Law to handle the claim. Problems arose very soon after the claim was initiated. A friend, who is by co-incidence the head of a legal department with another insurance company, told us to claim as cargo, but Minster insisted the claim be handled as a RTA, even though our car was actually being transported by a third party. Months went by until eventually, the TP's insurers offered a ridiculously low sum in settlement, despite them having a certified receipt for the vehicle. (Anyone with any knowledge of classic cars would know that values actually increase with age, plus ours had been maintained in top condition.) They then deducted a high amount for salvage based on the assumption that because it was a specialist car we could disassemble it ourselves and sell it for parts!!! Minster suggested another option so we declined the offer and were told that court papers were being prepared - indeed they sent us a copy of the official notification. Still matters dragged on. We had to frequently chase for updates and answers to questions, some of which were totally ignored. We were worried because our car was being stored at a specialist garage and charges were growing daily. Getting desperate, we asked for copies of letters relating to our case. They were promised several times but nothing ever materialized. Then, in September 2012 we were informed, out of the blue, that Minster had received a cheque from the TP's insurers. Since we were under the illusion that court proceedings were pending, we were aghast that they had accepted this. When we queried it, we received a curt letter, which basically said 'like it or lump it'. The handler claimed it was an interim payment, that she had advised us previously to accept the offer (she hadn't) and we went against her advice. She intimated that our car was not worth the money we'd paid for it. She also told us we are now liable for storage charges from the date of the cheque. No further mention was made of court action. We reluctantly accepted the payment on the basis that we could still dispute the valuation but my husband phoned our insurers to report our unhappiness with the way things had progressed and also contacted the Complaints department at Minster Law. The claims handler suddenly went on long-term sick leave and the case was transferred to someone else. Despite this, the position remains unchanged. Minster refused to fight the claim as cargo and since we have continued to argue the valuation they are now refusing to act any further on our behalf. They ask that any new solicitor submit a 'lien'. We have no idea what this is, but it sounds ominous and expensive. Despite our requests for a meeting with the Complaints department, they say they cannot see any benefit in it. We invested my husband's entire redundancy payment in that car and had just started up a wedding business, but that has now been blown out of the water, yet we're not asking for compensation, only for justice. None of this was our fault, we've acted honestly and in good faith throughout, yet it feels like we're being punished for trusting: a) the carrier to transport our vehicle safely: b) the insurers to play fair and c) the lawyers who are supposed to be looking after our best interests. How can this seemingly straightforward case have gone so badly wrong? Answers on a postage stamp please!

Hi, Today, a debt collector has knocked on our door asking for me. I was out at the time but he says he will keep calling back until he gets me! Apparently he is from Robinson Way, but I have no idea what this is about or how much etc. Yes I am in debt and trying to sort it all out, I have had some advice off here and through national debtline and know a bit about it all. Am I right in thinking that he should not be knocking and asking for money without my prior agreement? If so, I am thinking of passing him a letter when he next calls, explaining that I will not deal with debt collectors at the door but I am struggling to find the right wording and would appreciate your help. If the company write to me directly, showing their ownership of the debt and indeed some proof of what the debt actually is, I am more than happy to start negotiating with them but I don't want people hammering on the door and showing me up in the street. I am also expecting family next week from Scotland for two nights and certainly don't want him turning up when I have people over. Thanks for the help.

I would like to wish our Armed Forces especially those who may be separated from their families at this time of year and their Families a Merry Christmas.