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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 have grounds to claim compensation for the delayed flight, however they have point blankly refused. What are your thoughts?
  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 weather. To cut the long version short, we issued county court proceedings in January 2018 and Jet2 responded by appointing a large London firm of solicitors to fight their defence. The defence received was laughable and was mistly wrong, inaccurate or downright offensive. One part that sticks out to me was the following: ‘The defendant does not admit nor deny that the claimants presented themselves for check-in’. In other words, although they do not deny it, they wanted us to prove that we did. Of course, by law they have to keep records of who actually boards and travels on all aircraft. For the last 9 months Jet 2 has tried to convince us that LS606 was delayed due to adverse weather but I can prove that it was not and will happily forward that proof onto anyone who also wishes to bring a compensation claim for the same flight. The PREVIOUS flight, LS605 was delayed leaving East Midlands and that it was actually made our flight delayed. But although Jet 2 will again tell you that LS605 was delayed by adverse weather, that is also untrue. The actual reason LS605 was delayed was a lack of de-icing facilities and supplies. Something confirmed on bvoard LS606 by the captain in Malaga. On the day in question I have records of every flight that landed and departed from EMA between 05:25 and 15:13. Not one aircraft was delayed from landing at EMA and of those that did land, not a single one was delayed in departing again. Only aircraft that had been parked overnight had any delay and of those only some of those. This was ultimately Jet2's downfall. Adverse weather either effects all flights atbthe airport or it doesn't. De-icing is more selective and thus the can of worms is opened. The two flights in question are LS605 and LS606 on Monday 11 December 2017, both of which used a Boeing 737 aircraft with the registration G-JZHL. This aircraft was flown EMPTY into EMA from Birmingham on Saturday 9 December and it sat fully exposed to the forecast snow conditions until it was required on the Monday morning, 36 hours later. THAT is why it needed de-icing and the lack of said de-icing is why LS605 was delayed departing and thus why LS606 was subsequently delayed. So, ANYONE who travelled on LS606 should claim compensation under EU regulation 261/2004 and I would strongly advise you to claim from Jet2 without delay. They WILL deny your claim and will most likely string you along for months also, but persevere and like us you will get your compensation. Our court case was due to be heard in the next couple of weeks and out of the blue Jet 2 decided to offer the full claim amount (including the court fee) last week. This morning we received the full claim amount into our bank. Jet2 tried to incorporate a ‘confidential’ clause into their offer, but I pointed out that they were not in a position to demand anything from us. They dropped that part in agreement of us accepting the full settlement offer. We did that specifically so we could tell you. So, if you were on LS606 make a claim. You are entitled to 400 Euros per passenger. I also advise anyone on LS605 to also claim because your flight was also NOT delayed due to adverse weather, but a lack of de-icing facilities. EU court cases have ruled that de-icing is not a reason to deny claims. I think it is outrageous that companies such as Jet2 will try this. They know they must pay but WILL deny your perfectly valid claim. They are simply hoping you will just not bother, or if you do bother will accept their rejection, or if you do issue a court claim will be put off by their big London firm and their 20 page defence, or that you will just give up. Be like us and stand up to them. Amount settled: £780.72 being 400 Euros each plus the £60 court summons fee. In case anyone from Jet2 wishes to contest what I have said above, I have the full documentation of the entire matter from letter 1 to bank payment today.
  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 depression and my husband controlling my money I worked but had to ask him if I needed money all debts he ran up were in my name and l developed a serious problem with opening letters as they were always for his debt and I didn't have the money to pay them as all my wages had to stay in bank... I have unopened letters hidden around my home going back at least 15 years ... Getting back to the lovely swift advances due to not opening letters I found out that swift had taken me to court for the missed payments and because I had no idea they had been given the repossession order . . My daughter for whatever reason as she never ever had before opened a letter last Tuesday 3rd April from a company called R & K and it said they would be coming to our home on the 11th April which was yesterday to remove us and change locks ... I immediately contacted this company and they told me I needed to contact swift as they were only ones who could tell them not to come out on the 11th ... on contacting swift they said my loan had came to it's 10 year end on October last year but I had the 13 missed payments as arrears which when I add them up come to £2,600, when swift add them up it comes to £18k and they wanted that as a one off payment to stop taking my home ... in the past few days I asked them to consider me paying £300 A month to clear the ridiculous amount and I also asked if they would reduce the amount to a more reasonable amount and I would see if I could get the funds from family and friends and make a one off payment they said they would have to ask management/directors the following morning and get back to me later that day which was Monday this week ... I spoke to them after work on Monday and they advised I had been turned down on both of my requests and only option was paying the full £18k .. .they also informed me that they had postponed the date to take the house from 11th April to the 14th May to give me time to try and sort out the payment ... I also found out that they had actually turned up at my house in February to take house but my dog was in house barking so they cancelled it and charged me over a £100 for that ... my daughter was home that day she also has mental health problems worse than mine having had a mental breakdown at age 13 due to her father's behaviour ... the day they came out bearing in mind I didn't know anything about this happening due to unopened letters my daughter rang me frantic at work saying a van was outside house and men in garden outside our home... I asked her for name on van and googled it but it didn't give me any idea what it was about ... I am now taking on the fight of my life to save our home as my daughter sees this as her safe place since her breakdown and she is now starting to show signs of shutting down again and I can't let that happen to her... any advice woukd be most appreciated .. . Thank you in advance
  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 voluntarily repossess the property. I have read everything which I hopefully need to know regarding the debt, shortfall and not signing any deed of acknowledgement. However, my plan regarding a place to live has fallen through and at the moment I am not in a position to have all the money needed for a deposit elsewhere. My question is once I file for bankruptcy and continue making the mortgage payment, can I hold off asking for a voluntary repossession for say 6 months. Obviously I will request a repossession before the end of my bankruptcy/discharge, but can I actually do this or would the OR not allow this. I have searched high and low but cannot find a definitive answer other than asking for a repossession when going bankrupt. Any feedback would be much appreciated. Thanks.
  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 like to reassure you that every reasonable effort is made to ensure that our flights depart on time and in the unlikely event we are unable to do so through disruption, we aim to provide a solution at the earliest opportunity. As previously advised, in some circumstances passengers may be entitled to compensation for delay arising from such disruption under European Union laws. However, any monetary payments are subject to certain criteria being satisfied. Under these laws where the disruption is caused by an ‘extraordinary circumstance’ which the airline was reasonably unable to prevent, the carrier is not obliged to pay compensation. The Civil Aviation Authority and European National Enforcement Bodies have published guidelines regarding what can and cannot be considered as extraordinary circumstances and we base our decision on these guidelines. Our records show that due to high winds three of our aircraft were unable to return from Spain and were forced to remain overnight in Arrecife on 24th June. As a consequence of these aircraft being unavailable for their planned flights as a result of the weather, there was severe disruption across the entire flying programme. This led to a number of flights being cancelled leaving many passengers unable to travel to their intended destinations. However, and in order to avoid cancelling your flight, our operations team were able to implement changes to the flying programme and utilise our standby aircraft. Unfortunately and despite our best efforts this did lead to the unavoidable delay to the departure of your flight. Having considered the factual background of this case in accordance with the published guidelines and applicable case law, we are satisfied that the disruption was caused by an extraordinary circumstance that could not have reasonably been prevented by Monarch Airlines. We are, therefore, unable to accept your claim for compensation for the reasons given. All flight delays are fully documented in accordance with the requirements of our regulator and the relevant legislation in place. Please note that this documentation cannot be disclosed to passengers nonetheless we actively supply this to the Civil Aviation Authority and National Enforcement Bodies upon request. Yours sincerely XXXX XXXXX EU Claims Advisor Monarch I find this unacceptable as the delay was caused by flights the day before! Also if it was caused 24 hours before they had ample time to inform us. This also lead to us missing the first day of our villa as we didn't arrive until the early hours of the 26th June. I would appreciate your input on this and advice as to whether I am being unreasonable and I am not entitled to compensation. Or the best way to proceed in getting compensation that might be due. Kind Regards, tissot
  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 defaults 2015 - 1 down 2014 - 1 down 2013 - 1 down for the record no payments were sent to this creditor throughout this time?
  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 office so I emailed my claim to them but they have not replied. Accordingly, I've decided to post them a hard copy of my complaint and compensation claim. Do I need a "Proof of Delivery" or is a "Proof of Posting" slip sufficient, please? Thank you.
  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- reconstruction; (were talking hours of surgery and many surgeons) He has been on a continual downward spiral since as he has no support network and his heavy drinking with which he has used to cope with his social anxiety! This has now culminated with him having a psychotic episode a few weeks ago that resulted him being imprisoned for 6 weeks on remand. He received a suspended sentence plus counseling for drink. No one was hurt, though I’m assuming the experience hasn’t been pleasant for anyone that was involved. I cannot stress enough that the person Is decent human being that hasn’t had the help he’s needed for years. His ESA was such that even wrote him off (never needed a tribunal etc) but since coming out of prison he has found that his ESA has been stopped. Im assuming it was because he went to prison the last amount paid into his account was june 6th! and nothing after this. He doesn’t have the skills to get it reactivated on his own! I have done some homework, and found that he is classed (still) as a remand prisoner as just being locked up from June 6 to approx 5-6 later! I believe from my own research (limited) that..... 1 There is a 12 week period within which the EAS can be re-activated / or linked) is this correct? 2 and that this means that there is not major/ substantial extra information needed to be sent to the dwp? And that it is merely a case filling in a new form and re-activating the claim? 3 However he hasn’t been in proper contact with a DR due to him slipping off the radar in terms of doctors notes (he hasn’t needed them for over three years, so you can imagine that someone who suffers from such conditions has simply let things continue!) will he need one now? 4 Or is it simply a case of filling in the correct forms etc? He has no money since coming out of prison- his rent was paid by housing benefit but the short-fall which was made up by himself with the ESA which obviously means the current situation is-not sustainable 5 he will not need to see Atos, surely if it is simply the case of linking the claim? In conclusion I’m unsure which type of ESA he was on but I’m sure it falls within the category of not needed to attend any support group. He hasn’t needed to supply an updated Dr’s note to Atos or the dwp. I have not phoned the ESA yet on his behalf as I’m not sure if I’m up to the task. But the idea is I would like to get the ESA up and running the way it was before, but obviously to try and get him some type of support group as well. Can anyone help? As the 12 week cut off period is looming? Thanks
  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 help, Theda.
  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 for the power of attorney will they simply sit on this for a few more weeks and then say it is not in the correct format or something similar. Would I simply be better to submit new claims from my wife and elder daughter and if so what should I do regarding my younger daughter who is a minor? Thanks in advance Nosnibor
  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 18 months to be able to claim a full refund or compensation when a train operator does not deliver a service 'with reasonable care and skill'. http://www.which.co.uk/news/2016/04/further-delays-in-store-for-rail-passenger-rights-439947/
  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 from an EU airport. More than 9,000 flights are delayed for three hours or more each year, the group said, with an average of 97 passengers on each flight. Which? director of campaigns Alex Neill told BBC 5 live: "We want people to assert their rights and hold their airline to account for those delays and claim the compensation that they are owed." http://www.bbc.co.uk/news/uk-33833059
  14. Hello, I'm new to this site and can't find where I need to search or post regarding an issue I have Thanks
  15. 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
  16. 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
  17. 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 without the LR charges being removed although I have proof that they have been settled? Q2: How can I force the charge holder to send the CN1 form in the quickest way? Thank you in advance for any advice / help / pointers
  18. 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
  19. 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 email where the airline mentioned it was giving us 2 vouchers for $600 as a gesture of good will because of the delay. I didn't respond to the mail because I thought I would deal with this after I got back to the UK. On the way back we found ourselves on another delayed flight (only 3 hours this time) and when we finally got back US Airways had manged to lose my suitcase (although to their credit they did get this back to me a day after I arrived in the UK). Understandably I don't want to use their airline ever again as the money I saved using that option was not worth the time I lost by everything that went wrong. I found a template and some information on money saving expert and contacted the airline using their template to request the €600 for each passenger. I received a response from them stating that they didn't have to pay any compensation because they did all necessary checks that they are required to do and that the problem was out of their control.The exact mail I sent to them with our personal info removed can be found here: - The response I received was this: - After reading your sticky thread about this I did notice the following was posted on the sticky, post number 5 - 1. Article 5(3) of Regulation (EC) No 261/2004 of the European Parliament and of the Council of 11 February 2004 establishing common rules on compensation and assistance to passengers in the event of denied boarding and of cancellation or long delay of flights, and repealing Regulation (EEC) No 295/91, must be interpreted as meaning that a technical problem in an aircraft which leads to the cancellation of a flight is not covered by the concept of ‘extraordinary circumstances’ within the meaning of that provision, unless that problem stems from events which, by their nature or origin, are not inherent in the normal exercise of the activity of the air carrier concerned and are beyond its actual control. The Convention for the Unification of Certain Rules for International Carriage by Air, concluded in Montreal on 28 May 1999, is not decisive for the interpretation of the grounds of exemption under Article 5(3) of Regulation No 261/2004. 2. The frequency of the technical problems experienced by an air carrier is not in itself a factor from which the presence or absence of ‘extraordinary circumstances’ within the meaning of Article 5(3) of Regulation No 261/2004 can be concluded. 3. The fact that an air carrier has complied with the minimum rules on maintenance of an aircraft cannot in itself suffice to establish that that carrier has taken ‘all reasonable measures’ within the meaning of Article 5(3) of Regulation No 261/2004 and, therefore, to relieve that carrier of its obligation to pay compensation provided for by Articles 5(1)© and 7(1) of that regulation The last part (listed as 3) suggests to me that they are still responsible to pay compensation, however I this is the first time I have ever had a possible legal problem and I wanted to make sure I understood what has been written correctly, and secondly ask if i can use the above quote, how do I need to reference it and is there a proper link to a page with this ruling that I can link to directly? Sorry to pester your board with stuff like this, however I figured the best course of action was to ask some guys in the know for advice before I responded to their email. Kind Regards, Matt
  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 record on the notes of any monitor or any results. The results had been lost and only added to the notes after a second urgent hospital admission for the same thing which was over 12 months after the test had been done. Discharged after the first in patient experience and sent a follow up appointment but was sent to see the wrong consultant who had nothing to do with the problem so a complaint was made through PALS. They were difficult to contact at times. They promised a final response within the timeframe but it was received 2 months later and was just full of apologies and promises that procedures would change. Surgery is necessary but this could have been done over 12 months ago if the notes had been properly written up and no idea whether this delay has caused any more damage. Do patients who have long term problems and who need procedures have any right to any sort of claim for the stress and distress caused by bungling doctors and admin staff? Any information would be appreciated
  21. 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 very very minor effect on my credit file... .but I have now been informed that I have been rejected for having too many searches and face 6 further months in the wilderness before I will be accepted. Any ideas on where I go from here besides the obvious no applications for 6 months and try again? I'm so deflated by this silly mistake.
  22. 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 hotel we were staying at) that there was no limit. We spent the whole trip running from store to store to find suitable clothes for the two events instead of relaxing and enjoying our holiday! it was a nightmare. Also many stores close on Saturday afternoon, so we ended up having to go to the big brands for the shoes! so when we returned to London we filed a claim with Alitalia to reimburse us all the additional cost incurred as well as reimburse us the cost of the airline ticket, hotel and car we booked since our holiday was ruined. they initially refused to pay us anything, then they offered us 140 euros, then increased it to 200 euros after a long talk on the phone. When I informed them that I will be making a court claim, they increased their offer to 400 EUR, which is still far below the total claim amount. I'm in the process of filing the court claim online where it says I have to write "A short statement (maximum 1080 characters) of what you are claiming for and why." and I also have the option to send "detailed particulars direct to the defendant." The questions I have are: 1) what document do I need to send to the court or to Alitalia? 2) are there any legal forms I need to fill? 3) Do I need a solicitor or can I do it on my own? and what are the likelihood that I can win the case? thanks a lot!
  23. 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 definitely say I haven't made a payment from 28/10/2006 (as I had my daughter then and moved). My credit record states that I haven't paid for over 5 years yet I've had no correspondence (until today from a debt collectors) And a default date registered on it as 28/10/2012??!! Are they allowed to do this? It states it's satisfied however that would mean the default will sta on my account for a further 6 years and this is simply not on. What do I do next? Please help - thanks in advance
  24. Hello Friends, My current contract started on 01-Dec-2011 and ended on 30-Nov-2012. Subsequently I have been on rolling tenancy on monthly basis. I am moving out on 31-May-2013. My LL had not protected the deposit and only after I pressed him did he protect my deposit on 15-Nov-2012, which means a delay of nearly one year. My LL has been very nasty to me. I stayed at this placed for five years, took good care of his property and still he is a nagger. He has not got me the GSC either. I want to pull him to the court for delay in protecting my deposit and claim compensation. What is the best way to do this? Will the fact that he did not get Gas Safety Check done in last two years help build my case? Many Thanks for your reply. Regards
  25. I don't know what to make of this or if I'm being a bit paranoid but this has been happening to me quite often. I have a overdraft of £600 and most months I get near to it. About 3 times this year I have looged into my bank account and checked my balance e.g £10, I have then spent £7 on a Maestro transaction. Then a couple of days later, when I check my account I am overdrawn due to another transaction that I made a week earlier has come off. Some may say it's my fault for not checking that my transactions are off the balance but I just find it strange that the transactions only get delayed when I'm near to my overdraft limit. When contacting YB they said Tesco (which the transaction was with) had 3 or 6 months (cannot remember) to take the transaction. Funny how the £7 came out instantly leaving £3 but a purchase a week earlier was not off yet, it was from the same Tesco store. Just seems that it would be all too easy for banks to hold a transaction back until I near my overdraft limit and BAM! £25 please. Has anyone else had issues with delayed Maestro transactions or a similar experience?
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