Hi I need help with my claimagainst BMI Credit card under section 75 . 11 years ago i has 2 lots of cosmetic surgery at the BMI priory private hospital. This was paid for with my BMI card around £5000 in total. The surgery was for rhinoplasty (nose) and bat ear correction. I was told by the surgeon that it would take a year or 2 for the full effects of the surgery to become apparent. My left ear was badly deformed after the surgery, the surgeon admitted he had put the bandages on too tight which caused this. I wrote to the BMI priory telling them of the affects of the surgery and how unhappy i was. They told the surgeon to redo the surgery to the left ear. He did the surgery and told me he could not carry out further surgery to the ear and this would be the last. He said that i should wait for at least 3 to 4 years for the affects of the surgery to take place. My ear it getting worse and the large scars are becoming pain full and making my ear look deformed. My nose has now developed a depression on the top surface as well. After writing to the Hospital 6 months ago i was told that they would pass my complaint on to the surgeon who no longer works at the hospital. He has not replied to me at all. I then decided to write to BMI card who financed the operation on the credit card. They told me that i have not shown any evidence of breach of contract which is required for them to refund the money i paid. I have no paperwork or contract at all, what do i do . I know the first operation was 11 years ago but shorly there must be something i can to? It was the hospital who recommended the surgeon in the first place. Should i request my medical records from the hospital and if so what would they prove. Please help

Some weeks ago I parked in a service area and complied withall the signage and rules they had, which they have admitted in a letter vaguely. The problem arose because thereequipment was faulty and did not record my car details correctly at the parkingterminal. However they had ANPR on sitewhich showed the car entering and leaving. So my question is ita breach of the Data Protection act section 55 to apply for my details fromDVLA as no infringement of their rules was committed? Also is it a breach of the BPA rules they use to access suchinformation? And if I ask them to remove all data relating me and my carfrom there records do they have to do it?

as a letter came to my house and it is making me mad it says i have to pay about £600 well i don't get any of it so i wanted to ask u guys question about this letter notice to pay section 29(3) of tax credits act 2002 it says it's about over payment of tax credits "the total amount of working tax credit overpaid to you is ..." what the fuzz when was i ever paid. can anyone plz explain what is going on

I have received a Stat Demand under the Insolvancy Act and I'm really not sure what to do about it. It is for a Lloyds TSB credit card which was sent to me with my current account I held at the time, due to a marriage breakdown I found myself on benefits in 2006 and I spoke to the card company several times asking them to freeze the account and allow me to make reduced payments as I was no longer in a situation to either use the card or to pay the hefty minimal payments, they refused and the amount owed through interest steadily climbed to over the card amount allowed. The card company was taking the minimal payment from my account each month against my wishes making me overdrawn and costing me even more in bank charges, I kept requesting they stopped this and froze the account, my bank refused to stop allowing the payments to leave my account and were charging me around 60 to 80 pounds a month in charges. No one would listen or help. This went on for a year until July 2007 when I really couldn't cope anymore financially and I removed my account to another bank. I told both the card company and the bank that I would no longer pay them until they were prepared to help me a little, again they refused. Since then I have not paid them anything and ignored any letters from them or debt collectors thinking they would take me to court under a basic ccj, I thought at least that way I could agree payments terms. Sadly I was wrong and this Stat Demand has landed on my mat. I own my home under an interest repayment mortgage, I am on a disabality benefit due to a chronic illness that has led to unrepairable nerve damage and I have two dependant children aged 7 and 11. I don't have the means to pay the debt outright as it has now reached nearly 3000 pounds (rounded up) and the two pound in my savings account isn't going to help me greatly. I really would appreciate any advice that may help me deal with this problem as I don't know anything about this side of things and I am terribly worried that they can make me sell my home which I co own with my ex husband. Red

Posting on behalf of my parents. Have used these forums before, very useful they are too This may be in the wrong forum. Basically to cut a long story short, a council owned vehicle was turning round in the cul-de-sac they live when it struck the bottom of the drive and left some damage to some paving slabs. The driver was going to drive off if my father hadn't had seen him do it. Having contacted the council they sent us a Compensation Form, and now have sent a letter that makes reference to the Road Traffic Act 1988 Section 154 ("Duty to give information as to insurance or security where claim made"), which, in the grand scale of things and from other research, appears to apply mostly to accidents with another car. The letter is giving insurance details and excess amounts and asking for my parents details. The problem is, the accident was caused by their vehicle on my parents drive. It is not in my mind related to car insurance as the car would have been either in the garage or up the drive at the time well away from the public road. Could the insurance possibly be related to house or buildings insurance? Any advise would be much appreciated.

i have been served today with the a statutory demand, by 1st credit, trading as connaught collections, and given me 18 days to reply to the notice sent recorded delivery, and demand for payment of £3800 , this is a credit card debt, which was placed in legal dispute with bank of scotland 2 years ago, after i had the account audited by a claims management company, it would seem the bank of scotland have sold the debt on yet again, But this is first time i have been issued with this, my problem is i can no longer get any contact from the claims management company and i am in a real panic over this, and i really not sure what to do next, i would be very grateful for some advice, as some say the statutory demand is another form of a threat, but i am taking this serious, as they advise me i have to apply to the courts,

Hi folks I would like to ask some advice if that is possible Long story short - I am in arrears with my rent due to a family breakup (My wife has left leaving me with the house and three kids) I have, as of last Wednesday, become 2 months behind on the rent and had the Landlord banging my door down and putting pressure on me to pay (He does use a LA but LL was "passing") He mentioned a Section 8 and that he was going to go for that. I stated I am trying to sort out HB at the moment, but it was a delay due to the Child Benefit having to be in my name before they would accept the kids were living with in regards to HB and this was still being sorted. I signed a new Assured Short Term Tenancy on June 24th....wife walked out in July.....so only a few months into the tenancy. He has demanded I now have a further meeting (after the hour and a half on my doorstep) with the LA so that they can discuss matters. He kept telling me to hand back the keys, that I should move out, etc which to be honest I am looking but I am not daft enough to hand back the keys as I would be intentionally homeless....and I did explain this. So onto my question: I have read a section 8 gives two weeks notice in regards to rent arrears - does that mean in two weeks I will have a court date or is it two weeks then they have to apply to the court? Also, and this maybe a how long is a piece of string question, how quick do these court dates arrive? I just worry that in a month I am going to be out the door and homeless I am working with the council to sort HB out and the housing officer at the council has been fantastic with there advice but I need time, or at least buy some..... I have offered to repay the arrears, the HB have suggested that the full rent will be paid as I am going to be on Job seekers Allowance (Temp as I hate not working....) and this should be sorted as "Fast tracked" due to JSA so future payments should be ok, it is just the arrears..... Any advice or help would be gratefully received

I have just submitted a questionnaire for PPI to Paragon in light of the Judicial Review on PPI. The PPI itself was sold by Midland and General however it was part of a regualted agreement with Paragon. Paragon have predictably wrote back saying not their problem, go to Midland and General. I have read something about secion 56 of the Credit Consumer Act and would appreciate some key advice on how to word a reponse regarding this?

was driving home tonigh,t came off a roundabout and undertook a car doing maybe 15 mph (taxi) 30 zone i didnt change lane to do it but did gear down as the alternator belt was yelling, got pulled at the next roundabout and given a s59, i said that i had never exceeded the speed limit but still got one. think this is a bit unfair for not actually breaking the law. where do i stand on contesting this as it seams the police officer is judge jury and executioner. got warned that if i do anything they take my car wtf

The LL has sent me a section151 notice seeking possession. He has already sent a section 21 notice is april. I thought that nothing else can be sent until the section 21 notice expires which is on 27/8/2012. I have also found out that the LL has cancelled my deposit protection back in March which I understand makes the other notices null and void. I am taking him to court for compensation regarding the deposit and have been told that I will probably win, the other notice says that he will apply to the court for an eviction order after the 27.7.2012. plse help