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  1. Had 250ltr of our hot water tank leak through the ceiling recently. There was a little damage there before (shower leaked a few years ago) but it was too much hassle to fix. Now the damage is much much worse. The insurance are paying for the flooring but are refusing to pay for the ceiling saying I've not experienced any financial loss because it was damaged already? Is this normal? Surely its like saying you can't have a new carpet if its wrecked because there was a fag burn on one corner?
  2. My mother of 82 took out a Policy with yourrepair in July this year She had swapped from a previous cover as it was getting a bit to expensive for her. She saw yourrepair online and read the reviews and all seemed good so She chose top cover as it was still cheaper than previous care cover. Now she has happily been paying for a good few month with no problems. The boiler has now incurred a problem. It keeps cutting out leaving her without heating and hot water intermittently. She made a claim online as there doesn’t seem to be a telephone number. She was told an engine
  3. Hello all. I submitted a claim using MCOL a few weeks ago for a Deposit I gave to a Landlord (LL) when I lodged with them for 6 months, a total of £600. I am claiming that amount, including interest and court fees totalling just over £700. I took all reasonable steps to get the deposit back but the LL started blanking me and made promises to pay but never did. I started the MCOL process and they submitted an acknowledgment of service, stating they are going to defend the entire claim. Fair enough, thats their right. However herein the problem lies. I had b
  4. Hello there. First time poster, found you when googling for help. I went to SCS 3 weeks ago and ordered a sofa, albeit halfheartedly as the salesman was like my shadow. I have since that day found out I will not be financially able to pay for this with their credit company, due to genuine unforeseen circumstances. I spoke to Ikano their credit people, who was very nice and cancelled when Id explained, and gave me a reference number to take to the store to cancel. I did and was told to call their head office, who then told me to go back to the store which I did
  5. I bought a car from stoneacre in 2014, i have 3 year warranty with vauxhall until september this year. My engine has failed on the motorway with no warning at all. We have had the car serviced and the book is stamped. However we lost our invoice, the garage cannot provide an invoice due to not having it on their computer system. genuine parts and oil was used. Now vauxhall are telling me that the engine wont be repaired under warranty due to not having an invoice however the book is stamped. can anybody advise me on what to do? thanks
  6. Hi there, I had a judgement in default made and have been trying to pay. It was originally through Capquest and Arrowe Global, but I tried ringing Capquest and they say they can't handle it because it's 'in litigation', tried calling Restons automated payment line - that didn't work either. Then, tried Restons website it says "We are currently unable to accept web payments against this matter, please contact Restons directly to make a payment." I actually have never received one letter from Restons only from Capquest. The second matter is that I actually wanted
  7. I need some help. I was very foolish back in November buying an item off Ebay. The item was a supposedly haunted piece of jewellery from a magickal seller. The item cost me £160. Needless to say I am not happy with the purchase and want to return the item, but because its gone over 90 days I cannot open a dispute with Ebay. The seller is refusing to respond to my messages I have sent. Can anyone please advise what I can do to reclaim my money back over an item which is clearly not as described.
  8. My employer has changed their payroll system and as a result they have declared all my income correctly up to the end of December and then re-submitteded it all again to HMRC in January so now it appears to HMRC that I earned £2x,xxx inthe first nine months of the financial year and then was paid the the whole total sum again in one payment in January and that no PAYE was collected on this bumper payment the supposedly made to me. It is obvious that the employer has made an error and entered the year to date figures rather than the pay period figures but the implication of this is that HM
  9. Hi apologies if this is the wrong part of forum im posting in. i bought 45000 indian rupees in 500 and 1000 rupee denominations on ) Oct 13th last month. for my holiday in feb 2017 From TravelFX by Bank transfer (wish i'd paid by credit card now but they only accepted Bank transfers) then beginning of this month indian prime minister declares all 500 and 1000 in effect null and void. its nearly £550.00 worth and TravelFX wont buy them back. even though though they have a buy back policy. and now wont communicate with me any further even though i have been polite at all stages in co
  10. Hi all, My brother has bought a used fold away wheelchair made by Careco, from a lady who bought it in Feb this year for her mother but she has since been put in a nursing home and could not use the chair anyway as she could not control it. My brother has emailed the company to enquire about transfer of the 12 month warranty and has been told that this is not transferable so he is not covered unless he bought it new from them. There was an additional insurance purchased by the buyer for 2 years at the cost of £209. He has enquired about transfer of this but been tol
  11. Hello, please can anyone help? I had three identical items for sale on ebay. Sold one and posted it off. Got a message saying it had been damaged on the way. I sent a replacement straight away and said once that arrives and is all fine I would arrange for the original damaged item to be collected. I thought that was better than asking for the damaged one to be sent back first. I got a message to say the second item has arrived and is fine. Ever since then I have been messaging asking when would be convenient to collect the damaged item, but no repl
  12. Hello Every one I am Not sure what to do and i am looking for your advice on what i should do here is the story In July 2014 I borrowed a neighbour a tool set for the day and i asked him many times to return it but he said he hasn't finished with it that was a few months after he borrowed it. Then he stopped speaking to me now the other day my partner asked him to return it and he said he did not have it or not sure where it is, or some one he let in house stole it ( I do not think heis telling the truth and think he wants to keep my tools ) I was going to leave it at that
  13. Hello, We have just had our storage and removal insurance claim denied I don't know what to do next. If I get anything wrong I'm sorry as this is my first post. Back in October we paid for a large national removal firm to come to our house, pack and export wrap all of our things and then take them to be stored in their warehouse for six months as we were moving to Eastern Europe to start a business. We took out their own removal and storage insurance covering us up to the value of £23,000 as we listed all of the items about £500 separately as per their instructions.
  14. any ideas as FOS cant do anything....... can they? they sent me a summary of my account and thats the only contact ive had off them.
  15. Hi, I am posting in regards to my girlfriends Vodafone account as I don't know what to do now. 2 and a half years ago she got a 2 year contract with Vodafone for an iPhone 4s (£37 pcm), the contract ran out in august 2015, we didn't realise the contract continued so were billed for another month. When we saw this charge on her bank statement we contacted Vodafone immediately and agreed to pay for the last month and then the contract would be cancelled. We felt happy the contract was over and didn't think about it again. 3 months later, in December, we received a letter in the post from
  16. Hi Bought a used car form large dealer Oldham cars fine but had a private plate on car we p/exd, salesman said he'd sort the transfer no problem as part of deal (we have evidence of this) BUT they sold our old car with reg still on now we cant get it off as DVLA say only registered keeper can transfer it and they wont, dealer basically ignoring our calls etc. as I've asked them to cover the cost of the plate but wont. Any one any idea on what if anything I can do? Thanks for looking.
  17. Hi All, I have a mortgage on my property, and a second charge on it. I want to put a third charge on it for a secured loan which has been agreed, and the first mortgage company have agreed to allow the new charge, however the second charge company are refusing point blank to allow any other charge against the property. The new loan isn't large enough to give me the amount I require and to pay off the second charge, and it needs to be secured, so how can I get this new loan done - preferably quickly? What options do I have to persuade them to allow it or to get it regis
  18. Hi all, Here's the situation: Opened a student account in 2007 with full overdraft and extended this a couple of times as per the normal rules and up to the max available limit of £2000 Ever since graduating have had financial difficulties with other credit cards and payday loans which are now (thankfully!) resolved. This is my last debt and i want to get rid, i want to pay it off but Natwest don't seem to want to help. I have already opened another account with first direct and have switched over my wages and other regular s/o and d/d so my ongoing financial commitments ar
  19. I wonder if any one can help me I recently purchased a nearly new Giant road bike off ebay. It was advertised as in very good condition. They did not mention any thing about any problems with bike. I paid by paypal using money already in in my PayPal account. Bike was shipped to me already built sent by specialit courier. When recieved bike it was not as described. Brakes dont work gears don't change properly, parts of gear system are bent and back wheel is bent. I contacted seller to complain and there reply was these problems where not present when tested bike before sending. They
  20. Hi all, newbie here needing advice before possible court action. I was in dispute with Aqua over charges applied after they closed the account and my account was being managed by their dispute team. However, Aqua sold the debt refusing to accept my dispute. I had been getting hassling calls from DCA and kept asking them to return the account to Aqua. Eventually after about 5 calls in 2 months i sent them a Cease and Desist email (I know it should be by mail but they confirmed receipt of the email and later in writing.) They have since just sent me copies of stateme
  21. Hi this is my first post and I'm in some need of advice please. I owe Anglian Water around £1700 and they have passed the debt onto Marstons, who ill be honest, we have ignored! As you can imagine they have added their fees and now the bill is for £2753! They have obtained a high court writ against us that is dated 8/1/2015. They have called at our property several times but fortunately we haven't been at home. The last letter we received from them said that as the judgement remains unsatisfied, further enforcement will no doubt be taken against us, and this may ta
  22. Need a lot of help on this one please for a very good friend... Basically she had a mortgage with her Ex, but they split up and finally divorced in 2012. She just wanted to get away and basically waved all rights to the house, in the divorce papers it actually states that any property is to be treated as if death has occured unless there is a Will. She been asking her Ex for many years to be taken off of the mortgage, but it was one excuse after another, so today we decided to phone the mortgage company up and had on loudspeaker so I can listen. Basically the mortgage compa
  23. My partner worked for any agency for one day in a role which was meant to be Forklift Driver, however this was not the role when he arrived there and when this was brought to the attention of the agency contact, he admitted that he did not know what the role entailed apart from it was some physical work and forklift but it was the other way round. The work was very physical and strenuous and he emailed the agency contact to inform them of this. He was asked if he would return and he said he would if a the role was Forklift Driver however could not return the next day as he was in pain when he
  24. Evening all, A few years ago my mum foolishly went to PDL companies for help when things went bad - she was ill and quite vulnerable and ultimately ended up taking an overdose to escape the constant badgering from these companies when she got into the inevitable mess. (this is when I became aware) I made a complaint to one of my mums payday loan companies because 1) they were reporting different things on different CRAs and 2) I believe they had irresponsibly loaned her the amount. Their response was that they hadn't irresponsibly loaned the money, as my mum had tic
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