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    • can you get some phots of the roof and eaves ect without trespassing on his property? insurers will have to amke good if it is your neighbours property that is causing the problem but i would ask a surveyor to have a look first so you know what to say from the outset to get the best outcome. Your local council also has powers to order them to take action but as they wont engage it may well take the 3 years you ahve given yourslef for the house move
    • you have been stiched up  but you really should have walked away from this well beofre reading the paperwork, let alone signing it.   However, the incentive is part of the contract, same as being given a free gift as part of a sale doesnt mean the retailer caqn give you somehting that is broken and not make good just because it was "free". so, back to the incentive and the terms you signed. Chances are the terms make the contract voidanyway but we wont knwo that until we see it. give us a good idea of what this is all about and you may well find a couple of people will give you the advice you need.
    • I have given them independent reports from two roofers that say they are beyond salvageable due to the upward curl on most of them along with a few cracked.    I have given them 3 quotes for removal (I was / am happy to pay for the reroof, but was based on it being slate as I could have taken it down myself.)    They have been out and taken photos themselves of the current roof along with pictures I sent in when we first found out it was asbestos after that was done was when they offered the £200 and they wouldn't comment any further on the matter.    They have asked me to have it tested officially opposed to an visual inspection but each time I ask them will they cover costs if it does come back as asbestos they ignore the question, three times I have asked.    It was 3 years ago but I first raised the complaint at the start of this year.    The age of the roof in question dates back to the 1920s when the house was built, the main building had its original bare Welsh slate roof with limestone mortar. 
    • Agree, you need to start a formal complaint and keep it in writing but also make it clear what you expect as an outcome. An apology and some commitment to better staff traing regarding general customer services but specifically handling of medical emergencies would be in order. They have a responsibility for the health and safety of all peopel on the premises and it does look like this point was sorely missed by the manager. i would also expect them to write off the cost of the ruined meal as well, you didnt paln in advance to ahve one of your party leave in an ambulance so their actions are pretty shoddy
    • so ask for a quote for their removal. you say due to the state of the tiles but give no indication as to what that is. You do need to have something specific to wave at them to get any movement and at the moment you dont. For all they know you could be telling lies just to get a few quid to go travelling with. so get proof of asbestos and a quote for removal if the roof is too far goen for repair. Pictures to show what they shopuldnt have missed will also bolster your case. I also note that it was 3 years ago so you have enjoyed the benefit of the roof for that time regardless of what it was made of. An estimate of the age of the roof will also be needed as that will help determine whether they should ahve been looking for such materials in their survey.
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
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Mistaken Identity - at my wits end

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In december 2009 I received a letter from the Bank of Scotland regarding an unpaid credit card debt. Note I have never had a credit card with BoS but have been a customer with the Halifax for as long as I can remember. After ignoring the letter, I started to receive phone calls and letters from a debt collection agency. This obviously prompted a visit to my local branch where they confirmed that the guy they were chasing (and had sold the debt onwards) had the same first and surname as I did (I have never been so grateful for having a daft middle name). They confirmed that they had contacted the debt collection agency and cleared it up and that my credit rating had not been affected. I received this in writing. However, over the following months I started to receive letters from a different debt collection agency relating to the same debt. Again I contacted my bank and they told me that they had forgot to remove my address as a "previous known address" from the bad debt but it was all sorted now. About 4 weeks ago I receive a letter from a solicitor stating that legal action may be taken if I didnt pay this debt. Halifax assured me it was a matter of the highest priority and that their Customer Services team were hard at work. This was over 2 weeks ago and no one has contacted me since. I have now sent the details of this issue (with a copy of all the correspondence) to the FOS. However, if any one has any advice about a) should I seek legal representation at this stage to protect myself and how could i recover the cost and b) have Halifax acted illegally in providing my details to a third party without my consent, given that I am not the person they are chasing. I am at the point now where I really want my bank to experience the inconvenience that I have had. Small claims court etc has come to mind. Their lack of action and customer care is disgraceful. I am worried that I will receive a home visit from the bailiffs. Many thanks in advance for any advice.

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Check your home contents insurance to see if you have legal protection cover. Data Protection issues are normally covered. if you are covered then you can claim this and take action against them.

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