Hello - 5 months ago I had a new composite door / frame set fitted by a supposedly reputable company . Long story short they made a terrible mess and the door was faulty , damaged and the fitters damaged the door and my property whilst fitting .They also took my old door and frame away as they had to smash it out trying to get it out . I never signed the job off and complained straight away . The company sent the 'fitting company' manager to assess the door and he agreed it was terrible and verbally said that we would get a new door and fittings ( that were also damaged ) but not a frame . I was annoyed about this as they come as a factory calibrated set and also the removal of the frames would cause damage and scratches to the frame which was not what we ordered ie a brand new door . We asked for a full replacement of the door set and that was refused .We then noticed further damage to the brickwork under the door that was just placed back and never reported to us .We have since asked for a refund / been refused and had to go the bank for section 75 claim .After legal wrangling with the bank ( suppliers of the interest free credit) the company now wants to 'cancel' the contract and says we have 30 days to get a replacement door and we have to inform them to collect the door so we will be left without our perfectly good old door - a large hole and damaged brickwork ! Do we have any rights to 'restore' us back to the way it was before the work was done - can they legally come and remove the door if they cancel the contract ? Have we any legal redress for the fact we have to get another fitter and get the damaged brickwork mended ?

Dear Forum members, I’m new here, so please be gentle. I need some help/advice re dealings with a large bathroom supply company. They prepared some drawings for me and my wife for several bathrooms we needed. They were having a sale, and the salesperson said that if I put down some money, they would hold their sale prices for us after the sale. I put down £3000.00 on my credit card as a goodwill gesture and to secure the offer she had made. Later she gave us a quotation with a list of products they hoped I’d buy from them. My wife told the salesperson that she didn’t particularly like the selection of products made for us, and we would look into alternatives. She went to work on it and decided the drawings prepared weren’t to our taste and we went back to her own drawings done before we visited said company. The selections of products likewise, we could get better prices anyway from other local suppliers and on the internet. We had made no orders or purchases, or agreed any items. The salesperson wrote several emails asking for a deposit which we didn’t respond to as there was nothing on the quotation we wanted to order. My wife informed the salesperson we were changing the designs. There was no good reason to stick with this company for designs or product supply, so I notified the salesperson I would like my money refunded. The salesperson refused and said that on the back of their quotation were Terms and Conditions and they weren’t going to refund my money (I understand from this that they consider that I was/am in a contract with them). This was the first I had noticed of their T&Cs, and they had not been pointed out to me/us or even referred to in the meetings - but I hadn’t placed any order anyway, nor have I signed anything. Their T&Cs state that “no order submitted by the buyer shall be deemed to be accepted by the seller unless and until confirmed in writing by the seller”. The T&Cs also state: “Quotations are subject to withdrawal at any time before receipt of an unqualified order and shall be deemed to be withdrawn unless accepted within 30 days of their date”. The quote was in July 2016 and I still haven’t accepted it or ordered anything from the quote, or from the company. Further: "The Buyer may not cancel the Contract without the consent of the Seller which, if given, shall be deemed to be on the express condition that the buyer shall pay the seller for all reasonable loss, damage, claims or actions arising out of such cancellation unless otherwise agreed in writing”. Have I unwittingly entered in to a Contract without accepting the quotation, without having ordered any goods, without having signed anything and without having been shown the T&Cs (although they were printed on the back of the quotation)? Am I in a position to get my money back from them, or will I have to order goods to the value of the £3000.00 I am in credit with them? Am I under any legal obligations under these T&Cs or under any other consumer legislation?

I bought a used car 10 days ago 14/1/2017 from a trade dealership that was advertised on Auto trader, the description claimed the car was in excellent condition. I was also told the car has been fully inspected by the AA (which having contacted the AA have realised this was a lie and they are investigating). I carried out a full advance inspection on the car with the RAC (20/1/2017) days after purchase, which came back saying essential repairs required urgently for the car to be considered road worthy and the inspector recommended I return the car. I took the car back to the dealer on 20/1/2017 exercising the short term right to rejection, the dealer refused and asked for the RAC report and then to inspect the car then decide if he wants to give a refund. I have sent the report and letter before action recorded signed delivery and got the signature in pdf form from royal mail today. But have had no response from the dealership today. The dealership is registered with companies house. Is there anything else I can do in this situation or anyone else to report to to get my money back? *also the sales agreement says i bought 3 month warranty with the car but i haven't received any documents on this, when i asked the dealer about 3 days after purchasing the car he said its still being processed. *I paid by card, visa, so i will look at chargeback scheme too.

https://cdn.ampproject.org/c/www.bbc.co.uk/news/amp/38688757

Hi folks Long story but hopefully I will keep it as short as possible. On 24th November 2016 I purchased a Whiteknight Dishwasher from co-op electrical, it was delivered on the 26th November, all was going well till the 4th January 2017 when it stopped draining and warning light was flashing and bleeping, I looked at manual and fault code was "Overflow - Some elements of dishwasher leaks" I called co-op electrical who said I should talk to whiteknight to arrange a service engineer to call. I called whiteknight who said that their own engineers don't cover my post code area but they would get in touch with a partner who will be in touch with me within 24hrs. 24hrs passed without a call I called them back, they apologized and said they would email engineer again and tell him to get in touch with me to arrange visit. Another 24hrs passed and no engineer called, I telephoned again and was told that a visit was booked for the next day and they would get engineer to call and confirm visit. As per usual no call to confirm visit and no engineer showed up. At 17.30 I called whiteknight again and was told engineer had to 18.00 to make a visit. Told them if no-one appeared I would be calling them back at 18.00. At 17.55 engineer called and said he had just been told about job and he would not be able to attend till the next morning at 9.30, I said this would be fine. Next morning engineer arrived and took dishwasher apart had a quick look around inside machine, switched it on and said he will be back in an hour once it had finished its cycle. He had only been out the house five minutes when the dishwasher flooded my kitchen floor. We switched off machine and waited for engineer to come back, told him what had happened and he said he was not quite sure what the problem was, said he could change pump but didn't know if that would fix fault, he then said he was going to speak to his boss, left the house and has not come back, dishwasher is still lying in bits in my kitchen and conservatory. Next day I called whiteknight to find out what was happening and they told me that the engineer had reported to them that we had refused a repair, told whiteknight that this was a lie. I have now been on the phone several times, since engineer visit, to whitekight and co-op electrical and all they say is we are looking into and someone will call you back within 24hrs which never happens. After all the problems we have had can I now reject the dishwasher, as I have gave them a chance of repair, and ask for a refund or a replacement. Thanks for reading and sorry for the long post. Cheers.

Hi Has anyone received a letter from capquest informing them that they over paid by £230 and they are refunding it. Debt was paid off some time ago. Is this a [problem]

Any advice anyone could give on this matter, I would be incredibly grateful. I have wanted a signet ring for some time, and my girlfriend said she wanted to buy it for me for Christmas. So that I got the exact ring that I wanted, I was tasked with purchasing it . I got in contact with a jewellery company based in London (we'll call LJC), and asked for the dimensions of two of the rings displayed on their website, and also asked for photos of these rings being worn on the finger. The two rings I enquired about varied in size (ring 1 was larger in face size), weight (ring 2 was a 'chunkier' ring), and price (ring 2 was around £80 more expensive). The jewellers responded with the dimensions of each ring, and pictures of what they said was ring 2 being worn. They said that ring 2 had a face size that was too large to be worn on the little finger, and was more suited to be worn on the middle finger. As the ring in the pictures (what I was told was ring 2) was exactly what I wanted, I purchased it (5th December 2016). It arrived four days later. I opened the package and saw the ring briefly, before I put it back in the box and took it to a local jeweller to be engraved (the jewellers I bought it from did not offer engraving). The ring came back from the jewellers a week later (just before Christmas), and it was wrapped and put away until Christmas day. After opening the ring on Christmas day and I started to wear it, it soon became obvious that the ring that I had been sent was not the same as the ring in the picture that I had been emailed, despite them supposedly being the same ring. The ring that I have been sent has a larger face size (it looks a bit too large to be worn on the little finger) and (more importantly) the depth of the face/table of the ring, is significantly thinner (the rink is not as chunky, and looks a little 'flat'). I now have a problem. I have spent over £400 on this ring, and it is not what I wanted. The ring is too large (in face size) to be worn on the little finger and is not as chunky as I had wanted. I am not happy with the ring and do not wear it. If I had noticed that the ring was different, I would have immediately sent it back for a refund. However, the differences were not immediately noticeable upon first inspection; it took some wearing and looking at it for me to realise the differences. It has now been engraved, and since the time since purchase is over 28 days, I cannot return it for a refund. Do I have any rights to a refund on this product? The retailer has provided me with clearly incorrect product information (in the form of the ring dimensions and the pictures), and I believe that they have therefore breached the Consumer Rights Act 2015. However, as stated above, it has been over a month since purchase and the ring has been customised. Any advice anyone could offer on this, I would be incredibly grateful. Many thanks.

I was thinking of watching a movie the other night and went on blink box added it to my account and then realised that I had already seen it. I asked to cancel the movie without having watched any of it, they know that. They have offered me what I think is the worst refund I have been offered!! And for a virtual product!! They want me to choose another movie of the same value within seven days or the credit will expire and my money will be gone!! I have contacted visa debit and they have told me that there is nothing they can do, but do I have any options when it comes to my UK consumer rights? It seems like a very poor refund!?

Hi I am hoping someone can give me some advice on this as I am really confused. I contacted TV licensing on 10th October to inform them my sister had recently passed away. As she had paid for her license up tol April 2017 they said they would issue a refund. I was advised a scanned copy of the death cert with an email would be sufficient which I sent on 10th Oct. My sister did not leave a will but I have been dealing with her financial affairs. On the 12th October I received an email saying that they could not accept an electronic copy so I sent a letter on 14th October together with a copy of the death certificate. I emailed them again to chase this on 10th Nov as I had heard nothing back and got the following reply: Having checked our records I can see that we received your letter on 1 November 2016. I can advise you that we've issued an executors letter for you to complete and return which you should receive within 10 working days. I emailed them again on 18th November to chase executors letter and asked why I was not sent this in the first instance abd received the following: I can confirm that the executor letter was sent to you on 11 November 2016, I must advise you that it can take up to 10 working days to receive it. I'm sorry for any inconvenience I still have not received the executors letter from them so I emailed them again on 29th November to express my dissatisfaction and requested information about making a formal complaint and have not heard anything since. I read somewhere that they do not give refunds and I was just wondering if this is true.

Hi I am new to these forums and would appreciate some much needed advice, because in May of this year (2016) I got a letter from the HMRC saying that I was entitled to a tax refund of £2500 as I had applied for the married mans allowance, which I duly accepted, but then I got a letter this morning 19/11/16 stating that I owed them £2300, which I was totally shocked by, as I strongly believed that I had been awarded the rebate and it had been backdated, as I dont really understand tax affairs, I am going to strongly appeal against this as I feel the HMRC are the ones responsible for this error, and failing that I will take it to the financial ombudsman, but can anyone tell me what are my chances of a successful appeal

Hi I purchased a sofa from SCS back in 2012. The sofa delivered was faulty and after months off arguing we agreed to get a replacement sofa. Ordered January 2013 delivered May 2013. At end of june this year the springs gave way on the sofa and i called to claim under 10 yr warranty. I was told I had to pay £75 to get someone to inspect(as per T&cs)and if it was a manufacturing defect it will be repaired so arranged for July 15th . The Upholstery technician assessed the sofa and we got a letter on 25th july confirming the necessary parts were ordered taking 5-7 weeks. We waited 8 weeks and called to be told they will arrive 3rd october making it 10 weeks. I tried to pre book appointment for repair but i was told no. I had to call again on 4th october they confirmed the part was in then told me 3-4 weeks before they can come to repair. i was not happy and asked for a callback from a manager. no call back so i contacted Consumer rights. I have put it in writing to the CEO of SCS and requested a refund under the sale of goods act1979 to which i got a cheeky letter back stating it was not a manufacturing defect but general wear and tear but made the desicion to assist in a repair and to contact to arrange a repair within 21 days or they are closing the case. HELP where do i go now as i checked and the are not registered with the furniture ombusman:-x:-x:-x

I ordered 5 items from the online store called ChoiceFurniureSuperstore at the end of October and paid using PayPal. I then cancelled 3 of the items 2 days later and received acknowledgment of the cancellation. The 2 items I wanted have been delivered but after 23 days, including reminders from me, I have not received the refund (over £300) for the cancelled items. How long do I have to wait? Is there a legal limit to the length of time they can withhold my money? What's the next step if they continue to not pay?

Hi, Please can anyone help me with this: I have just had the 3rd (yes third) gearbox installed in my car, this gearbox has now failed after less than 24 hours and 50 miles! The story: Purchased from main dealer an 18 month old car in September 2014 with 7500 miles on the clock and balance of 3 year manufacturers warranty Car: Make MG, Model MG6 (petrol) Gearbox number 1: This is the original gearbox: noticed by end of 2015 (approx 28000 mile total) that gearbox 'crunches' when changed from 3rd to 4th gear quickly (yes this is a standard manual gearbox). Went to dealer in March 2016 to complain about gearbox (and other warranty faults), they drove car and agreed with me about gearbox. Manufacturer agreed to replace gearbox and new gearbox arrived at end of April. I couldn't leave car with the dealer at this time as I was on standby to work abroad for a number of weeks. Gearbox number 2: Finally got gearbox replaced at beginning of June. New gearbox was worse! Not only does it crunch in 4th but it also whines (like an old mini) in 2nd. Car returned at beginning of July to look at again, dealer agrees it is not correct but "doesn't know what manufacturer will say as it's out of warranty". Told them "don't care fault occurred in warranty period an has not been resolved - actually made worse". Manufacturer eventually agrees to send an engineer from the factory to look at my car who came last week. Manufacturer has agreed that the new gearbox is faulty but they will only supply a replacement 'box if I don't complain about it crunching in 4th as this is a "characteristic of the car". This is not entirely true as I have driven one of the loan cars with same gearbox and it does not crunch however the other loan car did, however there is a lot on the internet about failing gearboxes, crunching, stiff changes etc etc. The gearbox obviously has an inherent design flaw. Gearbox number 3: The third gearbox was installed 15/16th of this month (i.e. picked up yesterday), this has failed within 24 hours and 50 miles, jammed in second - so car now unusable. This happened first thing this morning This morning: Called finance company: told them I wish to reject car for refund under sale of good act and consumer credit act, they said they will talk to the dealer and 'get back to me' and that their procedures can take 8 weeks). I have told them I'm not interested in their time scale, I now do not have a drivable car, asked them for an address where I can serve notice of intended court action. Told me that I need to provide burden of proof, I told them this has been fixed under warranty so I have no paper work (dealer has never given me paper work for warranty repairs) - the car is sitting immobile on my drive if they want to inspect. Called dealer: spoke to the MD, he says it's not acceptable, can they collect car and give me a loan car. I can't arrange collection today or tomorrow as am too busy at work. Thing is I don't want this fixed now, too many attempts at a fundamental fault, I have no confidence whatsoever now. What I would like help with: I would like to claim from the dealer and finance company as they are jointly and severable liable - under sale of good act and consumer credit act - refund and cancel loan agreement. The fault apparently can not be fixed, actually each gearbox is worse. This is a major fault. Could someone point me in the direction of a letter template, and how to handle the court claim - I need to move urgently with this, I am currently having to borrow my wife's car - I can not get to work otherwise. Thanks in advance.

Hello, I received letter from Arrow global debt, I was shocked to see that it was a refund letter. I thought it was a debt letter, when I phoned, I found out that I had over paid a debt, in 2014 to west scot, the amount to be refunded £325.72 and additional good will interest of £15.74 = £341.46. I received this letter on 15th August 2016, first I checked it out Arrow global, because I never heard of them before. I phoned, I was asked did I want the money put into my account or send by cheque,. I requested a cheque. then I was told there was a backlog to receive this cheque. I have waited 11 weeks, I phoned again, then got told there was no back log. I emailed them on the 29th October asking if this can be resolved. I asked how many more months do I have to wait before the cheque is sent out. I got no answer, I phoned, I was told they sent out a letter on 31st October, that I should have received it. I asked what the letter says, they told me that it can take up to 4 to 6 weeks to get the cheque. this will take up to 12 of December. I now beginning to not believe them, I think, they are no going to send out any cheque. is there away I can get round this?

Hi, I'm new here so thought I'd just dive right in with my situation and see if there's anybody here that may be able to lend some advice. So over the past 2 years I'd say, I've collected up some payday loan debts to which all the remaining ones are now on small repayment plans of £1-£5 a month as I'm a student at university. At some points during taking our these loans I have had summer jobs and reborrowed from lenders with the same details even tho I wasn't in work at the time I claimed I was in order to ensure I would receive the loan. As I took out some of the most recent loans (Payday UK and Mr Lender) in particular, the other loans were already on smaller repayments plans and my credit score was horrific. So the creditors I owe too are as follows: Mr Lender £332 Piggybank £577 Wageday Advance £142 Balmoral Financial £435 Payday UK £435 Safetynetcredit £244 Satsuma Loans/ Moorecroft debt collection £128.24 Some of these I have had for over a year now but I was in a stage where I was going through a gambling problem and suffering with some mental health issues (both are currently going well as of now), and was in a rut where I would be lending straight after paying off a previous loan or lending to pay off other loans companies, so I feel as though this tied in with my old gambling habits during the time of my mental health issues as well as being an unemployed student that there is some irresponsible lending occurring and that more checks should have been put in place by this loans companies? My only worry is, is that I have them all on small repayment programme's now that the company may cancel them and demand all the repayment (which I can't afford) at once. Or that the fact on some of the applications I had lied about being employed or did not mention that I was to use the money on gambling its my fault not theres. I'm really not sure at all about this or where I should take it/ what to do with it but its a problem thats been in the back of my mind for a couple of years now and feel like its time I tried to see if there was anything I could do. Thanks in advance for anybody who has any advice for me. Charlie.

Hello all, I recently purchased a used car from Arnold Clark and went with a one-year AutoCare warranty because it seemed like a good idea at the time. No finance involved. Was just browsing this site and see that the overwhelming advice is not to bother with AutoCare, so I've just checked the T's & C's to see if/how I can go about cancelling it. As a new member I can't post a link, but they can be found by googling "arnold clark autocare warranty in detail", choosing the first result, and clicking the link on that page which says "download our Autocare policy document". Once in that document, the "Your right of cancellation" section is on page 10. It starts by saying that "no full or partial refund of the price paid for the warranty will be made", but then later says that "on receipt of your notice of cancellation we will refund the warranty cost, unless you have made a claim under your warranty". I don't understand this. If I send a letter requesting cancellation to the specified address, will the amount that I paid be refunded or not? Thanks in advance. Any other advice or things to bear in mind when doing this will also be appreciated. Recorded delivery for the letter, for example

Apologies for the length, but I wish to give as full a picture as possible. According to TVL it is possible to obtain a refund for the last 3 months of a TV licence, if that licence is no longer required. As a renter (sub-letting), I held a TV licence for the period 1st Dec 15 to 30th November 16. All official documentation for the property, council tax, tenancy agreement, utility bills etc, were in the name of my landlord/the leaseholder. On the 1st Sept 16, I signed a joint tenancy agreement at a new address, which was already covered by a TV licence. Subsequently, I transfered the TV licence to my new address via the TV licencing website. As there was still 3 months to run on the licence, I informed TVL, via their website, that the property I was now living at was covered by a TV licence and requested a refund. As I have been paying for the TV licence by direct debit, I have also prepaid 5 months of the TV licence fee for the*period 1st Dec 16 to 30th Nov 17. I advised TVL that I required a refund for these months also. The first reply from TVL is below: “Thank you for asking about a refund on a TV Licence. * In cases such as your own, a refund can only be given on the remaining unused quarters of a TV Licence (i.e. where there are 3 full months left to run), and only if the licence is not going to be needed again before it expires. ** If you can supply evidence of when you left your previous property, please forward this for my attention so I can reconsider your refund request.* Examples of the evidence could be photocopies of: * .*The completion date when you sold the property; or * .*Final water bill or end of tenancy, or rent agreements; or * .*Council tax bills showing the account has been closed or property is empty; or * .**Mail redirection confirmation letter from the post office; or * .*Any other documentary evidence which would confirm the date the licence was last needed. * When replying please quote the above reference and send any additional information or documents we have requested. * Thank you for taking the time to contact us and I look forward to hearing from you. * Yours sincerely Customer Services” As I was sub-letting, I could not provide evidence of the first three on the list, mail redirection was unnecessary and costly given I had manually updated my address with my bank, electoral roll etc. By return, I sent them a copy of the joint tenancy agreement for my new address, which shows both I and the TVL holder for my new address are joint tenants. The TVL responded as follows: “Thank you for your recent email regarding a refund for your TV Licence. * I understand you wish to claim a refund on your licence as you are covered by another licence at your address. * Documentation is required to support an application for a refund and this information can be found on the reverse of the application form. * Unfortunately, the evidence you have provided is insufficient to support your claim as it relates to your new address. We require evidence to show you have left your previous property. Please provide further evidence to support your claim. * Examples of the kind of evidence we are looking for could be photocopies/scanned copies of: • The completion date when you sold the property; or • All pages of a final utility bill, end of tenancy, or rent agreements; or • Council tax bills showing the account has been closed or you have vacated the property; or • Mail redirection confirmation letter from the post office; or • Any other documentary evidence on official letter headed paper which would confirm the date the licence was last needed. ** Once we have received this information we will be able to deal with your request. * When replying please quote the above reference. ******************************************************************************************* Thank you for taking the time to contact us and I look forward to hearing from you.” First of all, it appears TVL accept that I am living at a new address, and that I am claiming a refund because that new address already has a licence. However, they seem unwilling to accept that I have left my old address. I have since attempted to explain that I was subletting and do not have proof of leaving the property. I have also made the point to them, that their own email accepts I live at a new address and that my new address is also covered by a licence, the number of which I already provided to them several times. In the meantime, I have cancelled the direct debit, and requested details of the management as I am unsatisfied with the handling of the refund claim. Given that TVL are fixing on the issue of my old address, and seemingly overlooking any proof of my new address and the TV licence covering it, I expect to have to persist with the claim for longer. Hence my post here. Please could anyone offer any assistance as to how to proceed further and thank you for taking the time to read this!

I received a form today from "together" (Blemain Finance) stating that I was due a refund for incorrectly added fees plus interest etc. They asked for bank details or confirmation of address to send a cheque, I vaguely remember Blemain finance but not what I had from them, could this be a way for them to confirm my details and then start proceedings against me for something I am unaware of? I did get into financial difficulties some years ago but have not heard anything and believe all outstanding matters were resolved, could this be a [problem]?

Hi all Need some help Just received a PPI refund offer from Barclaycard. PPI began on 4th Nov 1999 and ended on 7th Nov 2000. The account is now closed. barclaycard dont have any statements etc from this time so have estimated the refund based on average figures. The offer below is based on "average amounts we would refund someone who was sold a comparable policy on a credit card held for a similar time period" Refund of Payments made for PPI cover charged on a comparable policy £240.55 Refund of interest charged on PPI Premiums charged on a comparable policy £126.28 Statutory Compensation £155.17 Income Tax Deduction £31.03 Total Refund £490.97 So, does that sound right? Or can i add interest? if I can, is it simple or compound? is it 8% or circa 24.9% which I think was the rate charged by Barclaycard. I have looked on the forums and googled this but have lots of differing answers and opinions but would really appreciate something definitive. I remember the card limit being £2500-2700 and I would have been close to that most months Thanks for the help Sausage

http://www.independent.co.uk/news/uk/home

Hi I purchased a second hand car from a Vauxhall Dealer via bank transfer on 13/10/2016. Last week i had the reversing lights intermitantly staying on while driving and then on Thursday the battery exploded! The car was towed to the garage where i have asked for a full refund. They have said they have replaced the battery and cleaned the battery acid up. However when i have asked for a full refund as i have no faith the car will not have any damage from spraying battery acid they have refused but have offered me the next service free!! Can anyone please advised if i should be given a full refund as it is within 28 days of purchasing this vehicle?

Hello. My second post, I think. I bought a matinee ticket to see Lisa Dwan at the Old Vic. I live in Yorkshire and bought an Advance Return train ticket to London - non-transferable, of course. About a week before the performance OV emailed me to say, without any explanation, that they had had to cancel this matinee and would be refunding my ticket shortly. I immediately emailed them to explain that they also owed me for my train ticket and why. They said - and this is core - they were not liable for any loss sustained by this cancellation other than the ticket money. "Pay up in full by four days' time or I'll see you in the County Court", I said." There will be no more discussion on this". They then said that "in this special case" they would refund my train fare too. "Some time soon". I told them - "You now have two days' to have that cheque in my hands or I'll see you in the CC." They paid without demur. The cheque was with me next day. BUT - had I not insisted, threatened, kept to a very tight timetable, in short if I'd not been bloody-minded, they'd have got away with this. Maybe this was a "special case". But if it wasn't, shouldn't it be better known by the public that all financial losses incurred by failure to fulfill a contract, in this case putting on a show in exchange for money, are to be borne by the party breaking said contract?

The DVLA are [removed]! I bought a car,& taxed it for 6 months, but almost immediately decided I didn't like it so applied to get a tax refund and they are saying I'm not the registered keeper, because the dealer didn't send his part of the registration document back to DVLA... so where does this leave me...? I can't afford to throw £120 away... Is there a complaints procedure, please? TB

Hi all, We are in a messy situation with Very which is stressing us out. An order was made at the beginning of the month and extra was paid for Saturday delivery. We stayed in Sat, no delivery and suddenly an email from the dreaded Yodel that an attempt was made. We have CCTV and can confirm no delivery was attempted. The only re-arrange delivery date they then offer is the following Saturday. We had a chat with Very online (live chat) to explain and they did the usual apologising before saying it will be delivered the next working day...guess what? nothing. Chat after chat, it was decided the following Sat it will be delivered. And...nothing. By now, our guests had come and gone so it was too late for these items so we cancelled the order. This is where it gets messy. Very will not cancel/refund unless the items are rejected. Yodel will not deliver because they cannot find our address (they've delivered many times before) We've been going round in circles for the past 2 weeks. Had enough and contacted the credit card company who have now stated the claims process. I was also considering small claims as the total value is around £150 and where I used this as a threat (happy to take out this threat), things started to somewhat move. Mysteriously, two of the three items appeared to be shoved under our gates which meant the gates did not open for about 10 minutes as the sensors were blocked. Yodel state 2 were delivered with signature. We never signed it (both at work and again CCTV to show this) The third box? Who knows where it is but Very still will not cancel until the 2 boxes are now collected and the third is delivered with us rejecting it. So where do we stand? Will credit card company say 2 have been delivered they cannot help? I have no space in the house for 2 large boxes to be stored, can I leave them outside? I did not sign for them, as far as I am concerned I do not know what they are This has cost us a lot in time off work to get in-touch with Very ,Yodel - waiting for deliveries that do not show up and we're now going to be paying interest soon on the amount given we can't pay it off while we're waiting for it to be refunded (as we'll be in debit once the refund is issued) Very has been completely useless as have Yodel Thanks in advance!

HMRC made an error in my 2016/7 tax code which resulted in a large overpayment of tax on my pension in October 2016. HMRC have admitted their mistake and issued a new, correct, code. Who is responsible for repaying me? My pension provider or HMRC?