that's exactly it, we wanted to be 'not troubled by our child' during the hours of 9am - 1pm & from 2.30pm to 5.30pm where we anticipated she will be at the kids club hence why we chose that particular holiday!!! as we both work from home and our child only went to nursery 3 days a week I think we deserved to have a bit of a break!?

that will postpone this matter another 2 months?! and its been going on already for 4?! grrrr

hi rebel, thanks for that. is there anything u would suggest I do with the credit card company? i know what there is on the recording which will prove me right. can i take mbna to small claims. by the time this will be heard (8 months down my way) i will have got hold of recordings (hopefully) and I'm pretty sure the cruise company would make an offer if they realize I'm proceeding with this

to silverfox, I agree that not having anything in writing is bad and I get it that you would think this is a small/trivial matter. however I know what was discussed over the phone with the rep as I made it a condition of going ahead that there are kids facilities available and that under 3's could still enjoy the kids facilities by having 1 parent present which was definitely not the case here. before we book a holiday we research the destination and the kids facilities thoroughly and hence why we feel so betrayed as we were expecting one thing and found completely another. do you have any idea how I can compel them to disclose the recording? I am very inclined to go ahead with this (even if there is only a small chance) as I am very clear in what I questioned the rep about and what answers I got which were completely different in reality. this is like going for a 5 star hotel and finding that you ended up in a £20/night bb.

I agree that a full refund will be stretching it however I made it very clear at time of booking that our main reason for booking the holiday was the kids facilities and the fact that we did not have any such facilities spoilt our holiday to a very big extent. had we known that we will not have any kids facilities we would have booked something different and definitely not spent 4.5K (2.5K of that was because we had a child) as we could have easily gone for a cheaper room category or arranged to get 2 rooms (4 pax) which would still have worked out cheaper than the 4.5K we paid. as an outsider (without experience of our daughter) this may sound really trivial but we needed the kids facilities to get a bit of a break

Hi Guys, hope you can shed some light on my options. I've hit a dead end with the credit card company I booked a cruise in feb 14 on the phone. a major reason why I chose that particular cruise liner was due to the facilities they provide for children. I went at great length with the booking person on what they provide and whether my child would be accepted. I knew that the policy of the cruise liner was that the child must be 3 and my child was going to be 3 weeks shy of the 3rd b'day. the booking person exact words were 'the policy is from 3 but given that she is potty trained and that she is so close to her 3rd birthday you should speak to the staff on board' As I know how americans (this was an American ship) are 'computer says no sort of people' I asked what would happen if my child is not accepted to the kids club and the booking person responded 'you will have to be present with your child '. this was not a problem for me as I had experienced another liner where the policy was 2 years and we simply had to be in the kids club whilst our child was entertained by the staff with the other children. within an hour of going on board and having visited the kids club it transpired that not only was our child not going to be accepted in the kids club but that our only 'option' was to stay in a separate room (away from the kids club) which is apparently designated for under 3's with staff not even allowed to enter that particular room! now, for those of you who think this is trivial, all the family was honestly looking forward to this cruise so that we can have a break from our child who, whilst lovely requires constant interaction and loves to interact with children CONSTANTLY. we really felt that this well earned holiday was completely ruined particularly when our daughter was constantly telling us 'lets go to the kids club' and we had to constantly tell her that it is closed. anyway, to cut a long story short we made a very strong complaint on board that very day and it took 4 days of arguing with them to finally get them to put in writing that there is no way she is going to be accepted based on their policy and that 'you were misinformed by your estate agent.' on my return I immediately put a formal complaint and the rep I spoke to (on booking) tried phoned to attempt to sweet talk me. I was having none of it and requested she puts everything in writing and explain why she told me one thing which transpired to be completely false. She told me that she will look into it and I even have a few e mails going to & fro to tell me that she's taking care of it and will get back to me (their policy 28 days). I waited patiently for them to reply to no avail. when I was (after about 1 month) that they were not going to address my complaint I made a section 75 claim with the credit card company. MBNA took it 'seriously' and spent 3 months investigating it (in that time they froze the interest on the balance) and giving me a call periodically telling me that they are still looking into it as the cruise company did not provide them with the required information. finally this week I received a letter from mbna stating that they have investigate the matter and ruled against a refund after the cruise company informed them that they had heard back my conversation at time of booking and that the cruise company are satisfied that the rep had informed me correctly about the facilities provided for children and that they are not willing to accept liability. Now I am quite lost as to my next step! It would definitely help receiving a copy of the recordings but I need to get this money back quick (£4.5K) and I can already see this taking for ever to get a resolution. I'm happy to go to court but should it be against mbna, or mbna & cruise company? and I would need to proof what was said in the conversation?! your informed insight and various opinions would be greatly appreciated. I hate it when big companies play games with people who save hard to spend their hard earned money!!! thanks in advance

can you give us an update on this? I am in pretty much the same position but with a cruise company & mbna

i'll take out signature etc. thanks for the pointer I agree. it was a virgin credit card and I would have thought that it would have had their logo on it. its been 8 years so can't exactly remember and at the time I was in financial difficulty when I originally received the county court claim I wrote back to them that I require copy of agreement and put in a defense that they did not provide this. now they have revived the claim and put an application to strike out my defense. any pointers of what I should do would be appreciated. thanks in advance

credit agreement link hereunder. please note that the signature page is correct but how can I be sure that the other pages are the actual credit agreement that I signed in 2005. https://www.dropbox.com/s/bl464cak2mxvvrc/credit%20agreement.pdf?n=9352668

Hi there and thanks for assisting me with this problem. I have received a copy of a credit agreement following an sar which they say I signed in 2005. the last page is signed by myself but the credit agreement does not seem to be the one I actually signed on the day. how can I check that this is genuine and whether this is enforceable? your assistance would be greatly appreciated as I have a court hearing next week for an application made to stike out my defense for non provision of the credit agreement

I have an ongoing case with britanica recoveries who took over an MBNA credit agreement taken out in 2005. they are chasing me for over 12K! and am very afraid that if they manage to get my defense struck out I will have a ccj against me. they have applied to court to struck out my defense of not providing the credit agreement. I have received the alleged credit agreement with the signed page in 2005 but not the original credit agreement which from my research on the forum credit agreements pre 2007 were unenforceable. can somebody help me with this pickle. please help

dear militant customer, as u said that every time somebody posts on this thread this reminds u to do something i am putting my 2 pence worth keep it up and don't give up!

thanks aviva. have already filled in that form (that they sent) giving details of all my income & outgoings and making an offer to pay £70/month but they simply refused and sent me a letter saying that if i don't set up a dd within 7 days for £206/month they will instruct bailiffs. CAB are overwhelmed so no help there!!! i feel completely isolated with an increasing debt since once the bailiffs are instructed more will be added to the bill!!!! the council are simply abusing their power to get the most vulnerable to pay this tax!

bump

dear militant customer... i have read your post with interest & great admiration! keep it up! these council are true conmen! i wish i had the energy and balls to do what you are doing!!! however unless you continue all your efforts will be for nothing! do you know what on a practical level is required to take this issue to ECJ?! I would be prepared to put in some money for this and if another few caggers do the same maybe a real case could be undertaken! keep up the very good work!!! i feel that the councils are simply stealing from us common mortals!

I have been chased by the council for unpaid council tax debt. The got liability order against me and i sent them my offer to pay (£70/month). They have not accepted this and are insisting on £206/month, threatening that if i don't set up a dd they will send in bailiffs. Since being made redundant at the beginning of last year i have had trouble with council tax. i am now working part time (earning around £800/month) which is not even enough to pay my mortgage (am getting further into debt) and cannot afford the 70 offered (which i am paying and ahve been paying for over 7 months now) let alone the £206 required. What can i do to get these people off my back and not have any further charges being added to the debt! Please help!!! this is very stressful for me!

Thanks for ur help poppynurse. I do not have any credit card debt any more as i paid it off all with the remortgage. I have never claimed tax credits so will look into it. Will also try to speak to a debt advisor (but really the only debt i have now is 2 massive mortgages) and council tax!

Thanks for ur help. My experience of CAB is somewhat negative since they are majorly overworked/understaffed so never really got what i wanted from them. The remortgage buy to let means i took out a further advance on the mortgage for living expenses & to pay off credit card debt! Bottom line is that even though my 'income' (insurance/rental income /wife's part time job) is quite high this goes to pay off debts (mortgages/debts). In fact living expenses (food/utilities/council tax) are not always covered since I am unemployed (and desperately seeking work). The problem is that if i go for any job (a low level job would be very easy to score) it will not be enough to cover the mortgage which is being paid by my insurance company.... quite a sticky situation really! Any help would be greatly appreciated!

Hi All, I have a question which i hope u can help me with. I am a professional who am used to a relatively large salary with big mortgage but no savings whatsoever. I was made redundant last year but luckily had insurance to pay for my mortgage. Was on jobseekers allowance (getting the £60 odd per week) for 6 months. This stopped and i decided to not apply for income support since i was told that i do not qualify. Basically my wife started working part time following my redundancy (earning around £250/week self employed). We have also a buy to let (with hefty mortgage) which we rent out but has helped to keep us afloat during this time (couple of 100 quid a month from this). I applied for council tax benifit when i was made redundant but benefit did not start for 4months after my application (long story - they lost the papers). Unfortunatley council got a liability order for the 4 months in the mean time (it was originally for the full year). I contacted the benefits office who denied me the backdating of the benefit and told me that they are looking into my application and required me to provide copies of bank statements for the full year(which they already had on my application). I never replied to this as in the mean time I entered into an agreement to pay £70/month towards the liability order and the following year's council tax bill! All of a sudden i received a letter from benefits saying that they overpaid the council tax benefit (the full amount they gave me). Following this the council sent me a letter that the repayment will rise automatically from £70/month to £200! To complicate matters i moved bank and the DD did not move automatically from one bank to the other and I ended up missing one payment without realizing! Now without notice the bailiffs came round & insisted i pay within 3 days the amount of the liability order in full (£700). (letter left through the post. luckily i din't open the door) I cannot afford neither the £200/month nor the £700 immediatley!!! We are lucky to have enough money for food!! My questions are a)does the insurance (which pays the mortgage) qualify as income (even though i don't see a bean of it) b)am i entitled to any benefits (i certainly paid substantial sums of tax before i was made redundant) c) how can i get these rats (bailiffs) off my back d) how can i convince the council that the £70/month is already streaching it to the full let alone insist for more!!! e) i would prefer not to disclose my bank statements since i've had relatively big sums coming in & out of my bank (sold some personaly possessions (cars/antiques), been given loans from family to live on and remortgaged buy to let (even though these sums were just in & out) Any help would be greatly appreciated! I was always thinking that we pay our taxes for the vulnerable people in society (like me at this present stage who has never 'signed on or claimed a bean' before now)! Alas it appears that this is not the case! Looking forward to your reply

definately a good idea!

Hope u can help me! 1.5 years ago bought flat and sent initial meter readings to EDF for gas & elec. They seem to have disregarded completely my instructions and never sent me a bill. Now they are claiming around £1800 for elec due from a reading that i assume the previous customer sent them which does not agree with mine. Property was unoccupied for most of the 1.5 years and i have the council tax bill to prove it. EDF won't listen and have slapped me with a prepayment meter and the bill loaded on the meter! Am hoping somebody can help me with some law etc to a) revise the bill for the consumption as per my readings b) take me off the prepayment meter c) have them apologise for the inconvenience this caused! never happened to me before ! Any pointers would be greatly appreciated

next step will be after submitting this pack. thanks for ur hrlp

thanks all. do u know what the

thanks for your reply. no i don't have my personell file. should i ask for it? i am claiming wrongfull dismissal. employer made me redundant when the role was still very much needed. i offered him to go part time (for less money) but still decided to go with the alternative (subcontracting out) which would cost him an extra £4K per annum. in reality he owed me money on a personal loan i made to one of the directors so which he did not pay me back for. can u help me? thanks

HI All, i hope you can help me with this! I have made a claim against my previous employer and the tribunal has asked to prepare the bundle within 21 days. I was wondering what should be included, in what format and what if i miss something out... can i add any documents after this! Your help is mostly appreciated. This is my 1st case.