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    • I am not a lawyer but I definitely think you are correct.   You will need evidence that Fast Track was not available on your way out - "Unknown reasons" sounds ominous. Do you have pictures/videos/written records to prove it?   Ryanair website states they are not responsible for you missing your flight as a result of fast track, but it doesn't say anything about not being responsible for the product they sold you not being available. Have you tried asking for a refund already?   Either way they sold you something that they did not provide - I don't see how this can be legal - and hopefully you should be able to prove it. Get written evidence that they refused to refund you (if you don't have it already) and take it straight to your card provider. (by many accounts it seems pointless to try and negotiate with Ryanair)
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      I was in Sainsbury’s today and did scan and shop.
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Joint Accounts and Credit Checks

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Not sure this is the right place for this, but its a general bank question.

 

I want a joint account with my partner, but she has a string of defaults and a ccj, and poor credit, etc.

 

I understand that usually with joint accounts (if you get them) you are marked down on your credit score by the other account holder?

 

I was wondering, if I opened a Joint account via Barclays or another bank that does not require a credit check (basic account), will we still be link via a CRA and will i still get a penalty on my credit score?

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It's not the check that makes you financially linked to the other person it's holding the account over a period of time.

 

Even then, only some lenders will look at individuals who are financially linked to you - there's no one credit score.

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