I'd be asking more for compensation for this than the value of the laptop tbh If you mention you are considering action for this they will jump through hoops to keep you happy. Have you got photos or Dr.s report about the burns?

cheers mate - yr a star

HI guys - need a little advice. Basic story Last October I was in the market for a new laptop, once I had decided upon make/model I looked around for the cheapest deal. This happened to be with Savastores (a branch of watford electronics) and they happened to also be offering 9 months interest free credit with a five minute decission. Well I didn't need the credit but not one to turn my nose at sticking the money in a high interest account and earning a free £40-50 thought I may as well apply (even though I believed my credit rating wasn't amazing). Anyway I didn't get a response in 5 mins - more like 5 days saying they couldn't do it and that was that. A few days later I decided tyo take expirian and equifax up on their generous free month trial and lo and behold I find the credit company had lodged a CIFAs warning on my account. I contacted them and they said whilst I had given correct information that I had witheld addresses where I had 'bad things' on my record. Whilst filling out the form it asked me of my last four years of addresses - but having been a student I just put my permanant address that I had been living at for over 20 years. One of the addresses they quoted was from 5 years ago - so not even in the four year requested period. Now I know all the addresses would show up on any credit report as my bank and mobile phone has been the same for longer than that and listed at all addresses and so wasn't hiding anything and the only really bad thing on my credit ref (missed few payments on something and got passed onto debt rec agency) was at my full time 20+year address and I thought if anything would screw my chances for credit that was it. Anyway have disputed this with them and they won't budge, have asked for a final resolution/deadlock type letter so I can go to the CIFAs agency direct and no reply - any advice/next step?

Hi guys - thanks for all the useful info. I've just totted up my charges and they come to £360, now I'm unsure as to the interest on my overdraft at that period, so do I have to claim for that interest as well? Also who do I send the initial request for payment letter to? My own branch or is there a centralised place to send it to?

Hi guys, don't know if this has been posted or not - but just phoned natwest on 08456052605 and they're supplying me with my statements for £5 (if they actually send em ). So that may be useful for others rather than writing off.