Hi, thanks for the response! I've paid the plumber and will wait and see what happens. It's looking like it may well be the roof leaking, however will have to wait on some appreciable rain. Regards, ML

Hi, everyone. It's been some time since I've used this forum and everything has changed about so I apolgise if this isn't the correct place for this post. A couple of years ago I had a new shower installed and there were a couple of leaks into my below neighbour's property as the shower hadn't been sealed properly. These leaks happened almost immediately when I was using the shower. This was all fixed and everything was fine for a about a year and a half, then leaks started again. The leak into the neighbour's place is coming through their light fixtures, which is the same as the old leaks however, the difference now is that the leaks are sporadic and are happening hours or days after I've used the shower, and I've noticed the past couple of times it leaked was when there was heavy rain, and I think the issue is with the roof, rather than my property. I asked the letting agent to check the roof, but they are demanding I get a plumber in to check my property, and I'm happy to do this and pay if the issues are with my property however, I asked them for an address to forward the invoice to if my property is shown to not be at fault and they just replied and stated I had a legal obligation to check it wasn't from my property. I live in an typical Edinburgh tenament and I'm wondering if it's correct that I would need to pay for a plumber to check my property, even if the issue isn't my fault? Thanks for reading, ML

Thanks again. I had to say which dept I wanted, then key in my DOB and listen to Coldplay for an hour, before I hung up.

Thanks for the response. It's Verint that they use, AFAIK, if that makes a difference?

Hi, folks. Just wondering if anyone can help with a query. I had a complaint that was resolved by British Gas and would like the informtion deleted under the GDPR's provision for the right to be forgotten. I made several calls, but hung up, as I was sick of waiting, and then decided to email. Thing is, on one of the calls where I hung up (was waiting for more than an hour), I was having a discussion in the background about a sensitive work related topic and I'm a bit concerned it may have ben picked up by their call recording system. I wasn't actually holding the phone, at this point, but had left it on a table on loudspeaker, so I could hear when the call was answered. Does anyone know if BG would review the calls I requested to be deleted, even if no-one had answered? Thanks in advance.

Hi folks. I was wondering, out of interest, if someone could use the LIBOR scandal as a way of getting a default removed from their credit file? I've seen some responses from banks, when asked to remove a default, that they would not because they believed it was correct to place the default on the customer's credit file because it was "a true and accurate reflection of the customer's financial situation at the time", but surely it wasn't, if the banks had been fiddling LIBOR, as this affects credit card interest rates, loan interest rates, etc? Thanks for reading, ML

Thanks, guys. I've emailed honeybee, but I'll send the text to that address. Cheers

Please can an admin contact me by PM, urgently? Sorry for the brief message, but I'm trying to play safe.

Hi, folks. I lost my job in October last year and so had to stop paying my loan with Halifax, as I didn't have any money apart from JSA. I kept getting text messages and phonecalls, which I didn't answer, as I've been stressed out not having a job, and I didn't want to speak to them. However, I realised I couldn't let this go on and so spoke with Blair, Oliver, Scott today, and they mentioned I had been defaulted (I understand they are part of HBOS), and this notice would be on my credit file. I came to an arrangement with the lady I spoke to to pay £20 a month back, but I'm wondering if there is any way to get the default lifted, given my circumstances. Would it help to write a letter explaining how I was feeling, etc? The reason I ask is because I have an interview for a job with a financial services firm, and they do a credit check. Thanks in advance, ML

Thanks for the replies, UncleB and FeeBee. My mum doesn't have accidental loss cover, but the standard cover she has only mentions that she wouldn't be covered for loss of valuables left out in the open, and these items weren't. FeeBee's description is of what happened is correct.

Thanks for the reply, dx. So my mum is entitled to claim then? If they are being belligerent, what steps can she take to get the money she's entitled to?

Hi, everyone. A few months ago it seems that my mother may have thrown out jewellery totalling about £9k. She hadn't been wearing them as they reminded her of her previous marriage, which had been unhappy. She has been trying to claim it on her insurance, but the insurance company are refusing to pay. I can see that her policy covers losses of valuables up to £10k with a single item limit of £2k. None of the items were named on her policy, as none of them were worth more than £2k. It's my understanding that anything below this doesn't need to be named. Could someone please confirm if this is correct, as the insurance company is saying they should have been named? Thanks in advance

Thanks for the reply, dundeelaw. Are you sure that that is the case? I recently tried to get a mortgage with HBOS, and could only get a maximum of 67% LTV due to the late/missed payments from BM. I was watching the screen when the advisor was keying the application, and it flashed up a message about BM, but nothing to do with Santander.

Argh, yeah, thought that would be the only thing I could do. Cheers for the help, though.

I paid a figure, then arranged to pay the rest along with the next month's payment. I have done something similar with Santander in the past, but they've always put it down so it appears as 'AP' on my credit file, rather than a missed or late payment.