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  1. Hi! I have been a cagger since 2008 but have had to create a new account so technically this isn't my first post In August my wife and flew from Gatwick to Toronto, when we checked in (three hours in advance) we were advised the flight had been delayed by four hours and were given food vouchers as compensation. Going to be honest, we have flown as far afield as Australia and Hawaii and never had as much as a 30 minute delay in 15 years of holidaying abrade so didn't mind too much HOWEVER it did mess our plans up significantly. AirTransat have been approached as i feel we
  2. Delayed flight compensation Jet2 - We have had a long and frustrating 9 months trying to get compensation from Jet2 for delayed flight LS606 from Malaga to East Midlands on Monday December 11th 2017. To jog your memory there was some snowfall on Sunday 10th December across parts of the midlands and the south of the country. LS606 was 3 hours 41 minutes late arriving at East Midlands. We put in a claim to Jet 2 by way of a letter (and two follow up letters) and it was repeatedly denied because of ‘exceptional circumstances’ which Jet2 tried to suggest was adverse
  3. Took out a secured £12k loan in October 2007 over a 10 year period. Please note I didn't want to take out the loan but had no choice if I wanted a quiet life as at the time I was in a controlled marriage ..mostly mental with some physical abuse resulting depression, anxiety and panic attacks . The 10 year loan gives 120 months worth of payments out of these 120 months I made 107 payments on time and 13 missed payments these were down to my so called husband taking the money out of my wages in the bank to pay loan and saying would put back to pay but never did ... with my depress
  4. Hi, I am after some advice regarding bankruptcy and voluntary repossession. After losing a previous job, I am approx £8k a year down on my wages. I am currently in arrears on my credit card and loan repayments. Up to now my mortgage is up to date, but despite my best efforts to cut back on expenditure I still cannot make ends meet. I do not want my house anymore as there is work that needs doing to the property I have no way to finding the money or repaying it if I did. What I have decided to do is fie for bankruptcy and ask the mortgage company to
  5. Hello, I recently got back from a holiday in Portugal where our flight was delayed by 3 hours going out there. I submitted the claims form and this is the rubbish I get back; Dear XXXXX Flight No. XXXXX Gatwick to Faro 25th June 2017 Further to your claim for delay compensation, we are writing to advise the outcome of our investigation into your case. Monarch Airlines aims as its first priority to provide its passengers with a safe and efficient service. We are sorry for the delay you experienced that has led to your claim for compensation. We would li
  6. Hey Folks, Today I noticed on my credit file that NRAM have decided to finally add a "default" after 5+ Years. This was an on going dispute with NRAM and my now eX Wife....... they wouldn't remove her from the mortgage even tho we had been separated 5 years prior and she had never made a payment towards it.... anyway.. Can they add a default this late on? the last payment they had was July 2010 and I would assume a realistic default date would be 2, 3 or maybe 6 months after no further payments? Cheers, Flappy
  7. I have been in financial difficultie for a few years now and recently checked my credit file for a AA loan, stupidly I only had 2 payments left on the loan for £230ish a month. I have checked my credit file and its shown 1 payment down for nearly 3 years and then they have defaulted it. I am not overly concerned as I intend to settle soon but just curious if they are allowed to do this. just seems weird that they can keep an account and then default after 3/4 years?? my credit file shows as follows Status history 2017 - Default 2016 - 1 down until November when it de
  8. My wife and I booked a flight to Vietnam, with Vietnam Airlines (through a broker). Less than 24 hours before, we were telephoned by the broker to say the flight would be delayed by around 8 hours as was the incoming flight from Vietnam by their Airline, upon which we would be departing. This threw pre flight and post flight travel arrangements into chaos, at such short notice, but there was nothing to be done to prevent that, so we just got on with it. As our arrival was delayed by just shy of 9 hours, I understand we can claim compensation. Vietnam Airlines have a London
  9. Hello I hope you can help - I have someone who is a decent human being but has been put is a difficult situation. Someone else was helping him before but I’ve been called on-board as the other person hasn't got the time. He has been on ESA for a long time, He suffers from severe social anxiety, depression, body image issues and also post-traumatic stress due to many issues; most of which are childhood-related, whereas the traumatic stress (I believe) was relatively recent (5 years ago) due a severe facial injury that required intense facial- reconstr
  10. Hello... I wonder if anyone can help with this, please? I'm writing on behalf of a friend who applied to DWP for pension credit way back in June. For some reason, DWP took a very long time (6 months!) to come to a decision... they have finally decided that he is entitled to PC of around £80 per week, and that it will be backdated. Does this mean he will get the full 6 months PC, or do they have a limit on the amount they will refund? I think I saw somewhere that no matter how much they owe you, they limit it to 3 months back pay... or am I wrong? Thanks in advance for any
  11. Hi Folks… Some advice please, in October wife and two daughters flew from Manchester to New York JFK, flight was with American Airlines booked with British airways. Outward bound flight delayed for 3 hours and 40 minutes, I understand we may be entitled to compensation and so I submitted a claim to American Airlines. After a month they have replied saying that I must send a power of attorney in order that they can deal with me. I fully expect that American Airlines will try their best to avoid paying any compensation and my concern is as they have provided no pro forma fo
  12. The government is set to delay implementing enhanced rights for rail passengers by 18 months, Which? has discovered. Earlier this month, it emerged that the government is set to delay the implementation of the Consumer Rights Act in sea and air travel until October 2016. And now, Which? has discovered that rail will be delayed by a further 12 months until October 2017. The Consumer Rights Act came into force across most sectors in October 2015 and was initially due to apply to all travel sectors from 6 April 2016. This delay means consumers will now have to wait another
  13. Delayed airline passengers are potentially missing out on millions of pounds of compensation, according to an investigation by Which?. The consumer group found that between June 2014 and May 2015, 37 million passenger journeys to or from the UK were delayed by 15 minutes or more. About 900,000 people could be eligible for compensation, but only around 38% of them ever claim, Which? found. Passengers delayed for over three hours are entitled to up to 600 euros (£422). Those protected by the Denied Boarding Regulation have to be flying with an EU-based airline or flying f
  14. http://www.dailymail.co.uk/news/article-2815718/Delayed-passengers-set-receive-compensation-worth-4BILLION-Supreme-Court-rejects-airline-appeals-against-two-landmark-cases.html
  15. Hi i have started a claim against Thomson for a delayed f light in 2011. However to continue my claim they are continually asking for a booking reference number, which i dont have . I have even rang them to say i have nt got this reference number, one lady saying that i am unable to make a claim then . ?????? surely not right. Rox
  16. Please can someone help me! I am in the process of removing three charges on my property, using a suitable lawyer for the process. Settlement figures have been accepted by both parties and monies have been paid. However one of the charge holders (a leasing company) are dragging their feet with sending back the CN1 form. The lawyer and I have both tried but we are not getting anywhere. To complicate matters, I am in the process of selling the said property but this can't complete until all charges have been removed, (so I'm told) Q1: Is it possible to complete a sale withou
  17. Hello friends, My pension fund administrator took a long time due to their system being dis-functional (over thirty days, when it should have been just two days) to register my account and make status of my pension fund available on-line. My pension fund pot is around £25000.00. I really had to continuously call and chase them to fix my problem. Is there any legislation that entitles me to compensation for keeping me deprived of being able to view my pension fund on-line? Thanks
  18. Hi All, A good friend of mine linked me to a thread on this site regarding flight compensation for when a flight was significantly delayed. To give you the back story my girlfriend and I traveled to Denver last month on US Airways (November 2013) and was delayed 7 hours in London Heathrow due to a technical fault, because of the delay we missed our connecting flights and the airline put us up in a hotel for 6 hours before we could be put onto another plane to get to Denver. We arrived at our final destination 14 hours later than we were suppose to. While we were in the US i received an e
  19. Yesterday, I came from Bournemouth to Plymouth. I had to go to Southampton and then to Bath. No problems with the journey to Southampton and the journey to Bath was delayed by 7 minutes. (not an issue) I then got to Bath and the train was delayed by one hour. We were never updated with what was going on. The train was absolutely packed and there were no reservations on seats. Having spent Sunday running some 13 miles, I really didn't appreciate being forced to stand on a train. Thankfully, I only had to stand from Bath to Bristol. I did write something on the FGW Facebook page and th
  20. Can anybody clarify whether any of the following incidents would be seen as medical negligence and can any claims be made if they are? Had an annual check up in a specialist centre, reported to the doctor that some palpitations had occurred. He noted only one occurrence but there was one long one and several shorter occurrences which he was told about. Information was only partially recorded Had a 24 hour monitor but didn't receive results so thought everything was OK. Regular annual check 12 months later and was taken straight into hospital as an emergency but there was no recor
  21. http://www.theguardian.com/business/2014/apr/27/delayed-flights-airlines-compensation-rulings
  22. Long story short after defaulting on 3 accounts 6 years ago I have finally ridden my credit file of these accounts, 2 of them requiring drawn out battles to remove early which I eventually won.. ..but now it seems my celebrations were premature. Over the last 8 months I have been applying for credit cards at the rate of 1 every 1 or two weeks. My idea was that it was getting so close to the defaults being removed I could get accepted at anytime. However I was under the impression that these searches were insignificant and at worst they would have a v
  23. Hello I need help to clarify a few questions regarding filing a claim against Alitalia. I am in the process of filing a court claim against Alitalia because they delayed our luggage on a trip my wife and I did in July to attend a friend's wedding in Italy. Alitalia delayed our luggage by more than 36 hours. All our formal wedding clothes and shoes were in that bag and so we had nothing for the two wedding events. Alitalia call center told us to go and buy replacement clothes and they'll reimburse us. we specifically asked if there was an upper limit and they told us (and told the
  24. Hi I need help in possibly drafting a letter or my next action to remedy this situation. On 10/08/2005 I took out a Hire purchase agreement with welcome for a car at £370 per month, in March 2006 the car was written off and I claimed the full amount on insurance and paid this to welcome. They continued to request further payments from me the following month yet I told them as I didn't have the vehicle any longer and had paid them the vehicle value I wasn't going to pay another penny. I think the last contact I had was May 2006, but erring on the side of caution I can
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