Had a similar problem with a virgin flight when oh had to cancel due to accident. We thought we had booked direct with virgin but the travel agent had used a third party company who 'owned' the booking like your last minute booking. As it was an accident they all said claim on your insurance for the loss After hours and hours on the phone I got through to the ceo's secretary (sorry I don't have the contact, lost in time) explained what had happened and asked to switch the flight to a couple of weeks later. If you can rejig your plans, take another friend? It may be worth a try

jster Nowhere to go with this one either I am afraid. As you have identified FSCS only apply to post August 1988 sales and as the broker has gone there is no-one to claim against. One very faint glimmer of hope is Standard Life record keeping. I have seen many cases from them where they have identified the wrong company. If the name of the broker is not familiar to your parents, ask for copies of any original documentaion to confirm what your parents are being told

Guardian are one of the very worst companies to deal with and they got their shortfall letters out early so almost everything is time barred. If it is more than 3 years since the first letter stating the words 'high risk' then they will object to FOS looking at the case regardless of your parents circumstances. i am afraid there is nothing more that can be done

Take them to court. If you lose in the small claims then airtours cannot claim the costs. I had a similar problem with last choice and after a lot of correspondence and a 'final offer' from the md's secretary of 400 filed in court for 2,000. Got a call within 7 days offering 1300 which is exactly what my original claim was for

A claim can be made for an endowment sold in 1987 if it was sold by a bank, building society, or a direct salesman, (such as the man from the Pru). If it was sold by an indepedent there is nothing you can do.

Hi I am new to these forums so would like a steer please. I am claiming for money against TSB but when told chum down pub about progress, he said he cant claim because he was made bankrupt in 2004. His bankruptcy was discharged last year. As it is discharged then surely any claim is his and the money would help to re-build his credit record. I am sure this is on here somewhere just a bit of direction needed please Thanks Ericollyandyoyo

This is probably the scandia reviewable whole of life policy. Starts at a certain amount of cover and premium, part of the premium is invested. Assuming investment returns hit some previously decided rate then the policy and cover remain the same (obviously this has not worked in recent years) at the review date, usually every 10 years, premiums are reset. As someone posted above it may now be a time to review the policy and shop around

Hi Signed up here to keep up to date with developments in the world of bank charges. I am currently claiming against Lloyds TSB and have had all the usual nonsense up to the 750 credit to your account. I rejected this and told them to take it back, but don't know if they have yet. Now taking the case to the Ombudsman along with small claims for wife and friend of the family. Cannot add anything with regards court or stuff that is not already on the site but years of experience in financial services so look forward to helping elsewhere if I can with info and queries