I would appreciate advice on contribution charges arrears. I am being pursued for arrears of almost 7k and at my wits end to know how to deal with same. The only "asset" I possess is my house. Naturally I do not want to lose the house but am wondering if there are ways and means to put in place a charging order for the arrears whilst continuing to pay the future monthly payments. Any advice would be very much appreciated.

Not sure if I'm posting in the right place, but here goes. My Mother in Law has been in a residential care home for 13 years since having a stroke. She sold her house to pay the fees. Every year the fee has gone by a hundred pounds a month. They inform us by letter and we amend the standing order. 3 years ago we moved house. We never received any further requests for increases in payments. My wife visits her mum every week and has had many dealings with the staff and management at the home, especially with regard to her care due to her immobility and use of hoists etc. She had informed them of our new address and phone number. Earlier this year we received a call from the finance department to say that they were owed over £4000, the reason being that they had been sending the increase letters to our old address! They didn't think to contact the home for our new contact details for over two years! The home has since asked us to move Mum in law to a nursing home because they can't cope with hoisting arrangements. They now want the remaining £2500 grand or so payment. The question is, if they failed to tell us of the increase in payments, do we still have to pay? It was their incompetence that they didn't inform us, why wait 2 years to chase up the home for a contact address. Thanks for any advice in advance.

My daughter currently resides in a supported living placement funded by housing benefit and gets full IB/DLA high care/low mobility, the placement is breaking down and she's dreadfully unhappy, something with more structure was recommended by social worker and this would have to be residential care which actually will suit her Autistic Spectrum Disorder. What would happen to her benefits, I was told she would keep her mobility allowance and another £28 a week for essentials like clothes the rest going towards the care home, or do social services totally fund the care package and any benefits would stop? Thank you.

Please delete this thread. Thanks. Owen.

Hi interested in comments of an incident. My 17yr old grandson was passing a row of slow moving traffic approaching a roundabout when one of the cars turned right into a cul-de sac, without any indication or obviously checking their mirrors causing my grandson to collide with the car throwing him over the car and hitting a wall. When the police arrived he was put in the police car to say using bullet answers as to what he thought happened and was as we found out later charged with this offense even though he cannot really remember what was said in the car. We have had no contact with the police officer until the summons came through 4 weeks later surely the PC should have contacted him at home and taken a proper statement from him bob

Hello! I work as a support worker for a well known charity for adults with learning disabilities. I work in a supported living house for 4 adults with profound and multiple learning disabilities. I have been working there for around 18 months. I have been having problems with relationships with colleagues since around January. There has been a lot of gossip/bitching/nastiness about me - I guess its bullying and harassment as I have been asked a lot of questions by staff members who use that information to continue to be nasty about me! Its predominately two members of staff. I believe these two manipulated another member of staff to go to my manager and make a complaint about me. I had a supervision and not much came of it because there were no real reasons as to why there had been a complaint about me. I expressed in my supervision that I currently did not feel part of the team, and my manager discussed the possibility of a transfer to another service and I went to look around the other service. In the meantime the nastiness was still going on, but I just dealt with it and ignored it. In the meantime my manager left and a new manager came into the service. I was told I wasn't allowed to split my contract or transfer to the other service (seemingly because they did not want to loose me from that service) so I worked on a relief basis at the new service, but working fulltime meant I did not do many shifts there. I expressed to my manager, again, in a meeting that I was really unhappy and said verbally that I wanted to transfer, and again, he pretty much said no. An allegation was then made about me and another staff member which was investigated, and not continued. Many of the staff in the house do not follow policies and procedures often not reporting things, covering peoples backs. I reported a mistake, which was investigated and also not taken any further because there was not enough evidence. It unfortunately happened to be one of the two people that have been causing problems. I was signed off sick with stress for 3 weeks as the nastiness had all got too much and I was put on anti-depressants. I was finally offered a transfer full time due to the fact I raised how unhappy I was in the formal investigation meeting with the independent investigator (which is all logged) and that was due to happen next week. On my last day an allegation was made about me and I am now suspended. I know what the allegation is and it is complete rubbish, but obviously don't know who made the allegation. It's actually quite contradictive and considering some of the behaviours I see from some of the staff its completely hypocritical. So here I am. I believe the company haven't considering my well being and duty of care and if it had been dealt with sooner then I wouldn't be in this mess now, surely? None of the nastiness has been dealt with and now I have been suspended where it has just got so nasty. I am now on anti depressents because of the stress they have caused previously, and I have told them how unhappy I am so many times and they just haven't listened. Where do I stand? It just feels like a complete mess

On 12th March 2013 my boiler had broken down and I called the Customer Service helpline on Wednesday 13th March, to log a call for an engineer to come and look at the boiler. An Engineer arrived at my property on Friday 15th March and confirmed to me that he needed to order 3 mechanical parts for the boiler to work again. I also informed him that there was a leak coming from the boiler. The engineer informed me that he had to e-mail my insurance company and seek authorisation to order the parts in which to rectify the problem with the boiler. At this time we had very thick snow and it was sub zero temperatures and I had no heating and hot water. On Monday 18th March I called Scottish Power again to see if they had received the e-mail from the engineer with regard to getting my boiler fixed. The sustomer Services lady that I spoke to informed me that they had received the e-mail but the boiler ID number was missing. On that note I then called the sub-contractors and the lady informed me that she had included the boiler number on the original e-mail sent to Scottish Power and had also called them with the information also. She went onto say that she would call Scottish Power again and provide them with the information again as she was concerned that I had now been without heating and hot water in sub zero temperatures for over a week. She then called me back the same day to confirm that Scottish Power were in receipt of the boiler ID number and a decision would be made in the next 24-hours, which was the Tuesday 19th March and I would be called to be informed when the Engineer would be coming to fix the boiler. By Saturday 23rd March I still hadn’t heard anything, so I called Scottish Power again and they informed me that my claim was still with the claims department as they had been very busy due to the cold weather and that my claim still hadn’t been dealt with. The customer service agent told me he would send another e-mail to ensure that this would be dealt with on Monday 25th March as there was nobody available at weekends to get this finalised. On the same day I e-mailed the complaints department, telling them all of this information and that I wasn’t happy at all with the service I had received to date and still some 2 weeks later I was still without heating and hot water. I also informed them that on Monday 25th March my daughter was having an operation and I needed the heating fixed for when she convalesced. On Monday 25th March I received a telephone call (almost 2 weeks after my initial call), whilst I was at the hospital with my daughter and I was told to go and buy some heaters and I would be reimbursed. The same lady called me on Tuesday 26th March to inform me that she had taken the £90 for the heaters off my April bill and also took my meter readings during the same telephone call. She went onto say that I would also be reimbursed for the extra electricity I was using from the heaters I had purchased. Later the same day the contractor called me to inform me that my parts were now in stock and they would be fitted on Wednesday 27th March, which they did, the control panel, PCB and water diverter valve. On Friday 29th March when I woke up the boiler pilot light was out, which I managed to re-start, then on Saturday 30th March when I woke up it was out again, I managed to re-start the pilot light but the control panel was dead. I went away for the evening and returned home on Sunday 31st March the whole system was dead and I couldn’t re-light the pilot light. I also noticed there was water dripping out of the bottom of the boiler, so I put a towel underneath it to catch the excess water, which was soaked by Sunday evening. I called Scottish Power again on Sunday 31st March to inform them that the boiler had broken down again only after two days of being fixed and the customer services representative informed me that I would be marked down as an urgent case. I received a call later that day to inform me that they couldn’t get a contractor out as it was Bank Holiday but if I could find my own plumber to fix the boiler, I would be reimbursed by Scottish Power. I declined this option as I was under the impression that if a third party touched the boiler then my insurance would be void. It took 4 days to send out another engineer who informed me that the first repair had been done incorrectly and that there was a leak which hadn't been repaired, he said the system now needed a costly repair and he would inform Scottish power of what would be required in order to carry out a proper repair. Five weeks later and after several telephone calls pleading for information and being promised someone was dealing with my case, I was informed by a third party that my repair would not be undertaken and I would have to replace my boiler at my own cost. He said that the cost of parts and labour exceeded my limit for repairs which I have never been informed of before. My boiler is only about 6 years old and had been under a maintenance contract with Scottishpower for most of that time. I was sold the policy over the telephone and never received a written contract but was told by the sales person that all parts and labour were covered by the premium policy, I telephoned their customer services again and was told my case was being reviewed by the complaints department, this was over two weeks ago and I have heard nothing from them since. I have now been without central heating and hot water for nine weeks and am desperate to get my boiler fixed, Scottishpower have been completely unhelpful and seem to have washed their hands of me, I have no idea where to turn now

Help please - Whilst driving home my car cut out and stopped (starter motor burnt out) . It was in the middle of the road. I had to push it onto the pavement. which was at the entrance to a court patrolled by Care Parking. I did not enter the court or put it in a bay. I am covered by the RAC but had no details. I left a note in the windscreen, clearly stating I had broken down and would have the car moved ASAP. I walked home which was a 10 min walk, called the RAC to arrange recovery. I then walked back to the car. When I arrived back, Care Parking had issued a PCN charge of £100 reduced to £60 if paid within 14 days. The RAC and A1 Commercial who recovered the car can confirm the car was recovered. I obviously appealed and guess what - they rejected my appeal. They have sent me photographs of my car including the note I had left stating I had broken down! Any advice on what I should do? Should I appeal to POPLA? Thanks

I have to explain that it is an unqualiified view but the information and interpretation is believed to be accurate. Swift have a revolving account of £400 million with Barclays ( Its like an overdraft). But before Barclays will allow Swift to draw down the funds from this account by way of the cheque they send you the customer, Barclays demand: 1…Your executed credit agreement. 2…The Legal Charge that Swift Register on your property, and; 3….The verification of income and Swifts assessment ability to pay back the loan. What happens in a behind the scenes there is an agreement deal done and that is, Swift assign the loan and the Title Charge to Barclays……………This is never disclosed it it done under the veil of Corporate Secrecy. To all outsiders it appears that Swift own the Title Charge…….but this is not true…….they have had to assign it to Barclays. This is what an Xdraw document is all about, it is a prommisary note between Swift and Barclays look up what a promissary note is and you will see what is meant This is Barclays secret way into the sub Prime Lending market..and it is Barclays that control the Interest Rate by way of the LIBOR Rate which they fixed.

Hello All, I need some advice and I thought I would share my experience so others do no have to go through what I have had to deal with. My current Gas/Electric is with Scottish Power and I am on the Platinum package which gives boiler care / cover with Scottish Power for "free". I had always been with British Gas boiler care, so I decided to cancel as I was getting a service with Scottish Power - big mistake! I had a boiler breakdown so I telephoned Scottish Power. Scottish Power advised they would call me back for an appointment on the same day - no phone call. I telephoned Scottish Power for a update several times but was told I would get a phone call back. The evening of the following day, I get a phone call to book a appointment - earliest 2 day's later. The engineer arrived from The Active Group (www,active-ukgroup.com) - when you visit the website it comes up as Active Agent. The engineer gave a time to visit of 13:00-15:00 and arrived at 18:30. He was present for 15 minutes and said everything was ok. The next morning my family awoke to freezing cold again and no hot water - the boiler was not working. I telephoned Scottish Power and had the same fiasco again with the appointment. I telephoned Scottish Power several times throughout the day and was promised the engineer would arrive in the afternoon. I waited till late afternoon and gave a phone call to Scottish Power as the engineer had not attended - I was told the engineer went to the wrong address! Now the appointment was set to the following morning - no time given. The following day, I made several phone calls to Scottish Power in the morning to chase up the engineer visit. Several times Scottish Power had advised that they were unable to get through on the phone to The Active Group / Active Agent. The engineer eventually attended near lunch time. The engineer advised that there was dust in the boiler (which he cleaned) and advised there was an issue with the flame injector - but carried out no work on it. The boiler was up and running. 30 minutes later the boiler broke down again, with the Flame Injector sign being displayed on the screen of the boiler. I telephoned Scottish Power again and was advised that the engineer would visit again the following day. The engineer came the following day (as I was now "priority"), and advised I needed a Gas Valve (to do with the flame injector). The engineer advised they carry no parts - great! I asked when the part would arrive - the engineer was unsure. I got a phone call the next day again from The Active Group / Active Agent that the part would arrive the next day. The following day, the engineer came again and now fixed the boiler. The Active Group / Active Agent also do not provide a copy of the work carried out. I made sure that I was given a copy of it, by photocopying it. The engineer also broke a filling loop (this is on their work sheet, which I got photocopied). I have been asking Scottish Power to get their amateur sub contractor out to come and fix it - still waiting its been 10 days - chased up again. I have also submitted a complaint to Scottish Power approx 2 weeks ago - I am still waiting for a response. The advice I need is: 1) are Scottish Power / the Active Group / Agent liable to fix the part they broke - especially when I have written proof that they broke it? 2) If I do no hear back from my complaint, can I submit it to the energy Ombudsman, after the relevant timescales have passed? In total, I was without heating/hot water for 10 days. I had small infants in the house and it was freezing cold. The sub contractor (Active Group / Agent) seem to amateur at their own profession. I have never had this kind of service from British Gas before. I would advise to stay clear of Scottish Power Boiler care and their amateur sub contractor. As a consequence I may now also move my gas/electric and I have now signed up with British Gas again.

Does the bank owe a compulsive gambler, (following disclosure of a gambling addiction) a duty of care to restrict transactions and prevent the overdraft from being used to gamble with. If the bank has a policy to restrict borrowing and this is not followed could this give a right of action to the account holder in a civil court to reclaim all losses or is the cause too remote?

Like many people I am so used to trusting the care we get off of the NHS, however recently I have found the care at my local hospital and health centre to say the least frustrating. I am 52 an ex smoker non drinker and not overweight. Originally diagnosed with Prolapsed disc, whilst having blood tests on inflammatory markers, it was discovered I had high cholesterol. I was prescribed with Simvastatin. My blood pressure was also high, so was also prescribed Rampiril. Another condition also came to light which was underactice thyroid and was prescribed Levothyroxine. Within a few weeks I started to get bad headaches in the Temple area jaw and neck. Was put on Prednisolone. when I put in my repeat prescription the Prednislone was not in and I ended up in A&E due to Addisons crisis, at the time I was withdrawing from Tramadol from my prolapsed disc episode and was pumped full of opiates. it was only when i went back to the doctors that I was told I should not have stopped the Predenisolone abruptly, told him I hadnt done this voluntarily that my prescription had not been issued. I had a biopsy for Temporal Arteritis, at the time of the biopsy on the temporal artery I was told as I was on Prednisolone it may not show anything! My urine sample showed high glucose levels and trace blood in urine. Now to top it all last Wednesday I was diagnosed as type 2 diabetic. Seeing 3 different doctors (no continuity at health centre) each asked if I was diabetic, I told them I did not know. It was only when i demanded (politely) to be tested was it diagnosed. Non of my medications have been reviewed since October. can any of these contributed to the onset of diabetes? The side effects appear to antogonise some other conditions had to have 2 weeks off work, due back at doctors on Monday also due back at work. What should i do, mood swings are worse as it affects family and friends and clients at work. any ideas on how to proceed or any advice Please as I'm extremely frustrated with a) Health b) ammount of medication I am on c) non communication to me or between doctors Thank you

My daughter was visiting a friend at her apartment and didn't realise that she had to get a permit. She received a ticket off care parking. They wrote to me as the registered keeper and I have replied stating that I wasn't the driver but they have quoted Protection of Freedom act stating that this is no longer accepted as a defense. I have successfully fought several PPC's in the past but before the protection of freedom act. Any indication of where to go with this one now would be appreciated.

I just wanted to share my recent story regarding eon central heating care. I have bin paying for my care for the last 5 years and before my recent issues have had no problems but then never needing it i wouldnt have would i? Anyway in the middle of december(during the very cold spell) our bollier packed up it was losing pressure and needed re pressurising at least once a week untill it stoped working all together i phoned eon and was given a day in 5 days time, bear in mind we have a child of under 1 in the house(hes one now b-day in jan). This was later improved to 3 days but still along time without heating and hot water and a baby in the house. The enginer came out and couldnt find any faults with the boiler even after me telling him about the pressure isues which to me sugested a leak some where, he said the bolier wasnt working due to a saftey switch that had come into play when the bolier had lost pressure. So he switched the switch and off he went. Fast forwred to thursday 17th jan and during the night all the power goes off (i know this as our baby moniters have an alert to tell us if the power cuts) after scraberling around for a while i manage to isolate it to the boiler, so i ring eon and get sunday 20th between 8am-1pm as there next slot so another 3 days without heating and hot water. So sunday comes and we recive a text to say our time has bin changed to 1pm-8pm. The enginer turns up at 2pm and finds a leak (who would of thought it ) that is causing the power to trip he drys it all out, fixes the leak and where up and running again happy days. Well move on to tuesday night/wednesday morning and im woking agin to find all the electricty off again this time the bolier was my first thought and yet again its tripping the electricty great. So i ring eon again and im given sunday 27th as there next available slot great another 5 days of being frezing and smelly. They said they would phone me back later that morning with a better slot, so 1pm comes with no call back so i give them a call they manage to improve my slot to friday but im still very un happy about this and feel very let down by eon so this is my experiance with eon boiler care just wanted to share so other people no what they will be dealing with when using eon thanks

Applied for DLA in January for daughter with mental health (depression) she left work 8 months previous. Turned down asked them to look at claim again awarded low care, low mobility appealed again said expected middle care as fit the criteria. Daughter then diagnosed Bipolar 1 let DLA know 11 week after appeal against low care DLA wrote and said she had been turned down all they are relying on is the ESA 20 minute computer interview. They not took much note of the very informative claim, they not asked GP or Psychiatrist at mental health. In my opinion they not seriously considered the appeal as they have made no attempt to investigate things further to substanciate what we have put on the application/appeal. They relied on the original application form to do a u turn to award low care and low rate mobilty had they thoroughly looked at it they would have come to the conclusion that my daughter qualifies for middle care. Would contacting my MP help or would we just have to go through the system to a tribunal?

Unbelievable!!! After upgrading with T-mobile, I get a pretty new Galaxy S3 handset but I need a new mini sim, so I call T-mobile "no problem" I'm told, I'll have one sent out and it'll be with you in 1 to 3 days. sounds great right? a week later, I still have no new sim and my new phone is still in its box, so I call T-mobile again only to be told by the Philipino gentleman that the lady I spoke to last week hadn't processed my request for a sim, so it hadn't actually been sent out at all, the guy this morning sympathises and makes all the ahhh and ohhh noises but I'm still waiting unecessarilly!! Fuming doesn't come close and I won't be upgrading with T-Mobile again:mad2::mad2:

Hope somebody can help. My mother is currently stressed to bits and im trying to get some advice. My grandma is 80 and is struggling with memory and mobility etc my mother is struggling to cope as we done live close to her and she works full time. The problem is to do with money. When my grandad died, he left various amounts of money and they were left to my nanna. She has been struggling memory wise for a while now and until recently my mother hadnt realised that in one of her savings accounts there is a substantial amount of money approx 25000. She is in reciept of beneifits as my gran hadnt realised or declared this money. My mother wants to get social care but is worried about what would happen to my grans savings is she declared it now or what to do hope this makes sense

Hi Caggers, This is more of a cry for help than anything else as I really do feel that Orange have become a complete joke and have completely abandoned any notion of customer care... My handset has been experiencing extremely slow data network speeds for two months now and so far Orange have failed to resolve the problem - I would argue that they have not really been that bothered to be honest but that's just my opinion based on the service received so far. the data speeds when using the 3G or HSDPA network varies from 0.01MB to 0.05MB constantly. The data speed is the same using my own handset (this Orange replaced under their care system) as well as my own iPhone 5 and my sons Samsung Ace.. ..All three handsets experience the same data speed problem and have had the same speed test app installed to actually monitor the data speed. My display now shows EE however it was originally connected to Orange 8 months ago. The wife was on T-Mobile however she has been migrated over to the EE network a nd when she tried to run a speed test on 3 different phones the test app shows that her data speeds are constantly around 6 - 7 MB which is just a massive difference to mine and is actually usable. Orange have initially tried to blame the handsets, then the SIM card and in fact they have tried to blame everything other than the network. My number was originally ported from O2 and I am convinced that the fault lies in the way my number is being routed however they will not investigate that. I have asked to be put through to a team leader in line with their complaints policy and been refused twice due to them being "busy", on another occasion I was transferred - placed on hold for 20 minute and then cut off.. .My next port of call was to email their customer service email address again in line with their complaints policy to which an automatic reply comes back telling me that they are upgrading their email policy and my email will not be responded too. Finally I even tried emailing both Olaf Swantee and the Executive Office with details of my issues, history etc. however its now been 4 days and so far I have not even received any form of acknowledgement. Obviously we live in a world dominated by social networking so I have tried repeated to contact Orange via twitter and again my tweets go unanswered.... Today was really the icing on the cake and something that has just got my seriously wound up that I am actually trembling as I type this. Just put on one final call to the faults team and after being on hold for 30 minutes my call was finally taken by someone in their faults department. I explained my issues and said that I felt that there was a breach of contract on Oranges half for failing to provide a service - the advisor then said that "I hear people beat on about that all the time and good luck to you if you try and cancel then Orange will just send a dept. collector to knock of my door" I felt that this was very confrontational and hardly an advert for their excellent customer service as that statement would imply that complaints are not a one off - I explained what I have done to try and eliminate the handset as being faulty and the advisor starts to talk down to me practically accusing me of not knowing what I was talking about..... Its at this point that I will admit that I was in the wrong as I did erupt and advised him not to talk to me like a piece of "crap" to which he said that I was given my first warning for swearing. I then said that I wanted to be put though to retentions and be refused, told me to redial - have a nice day, nice life and put the phone down...... Sorry that this post has gone on but I just wanted to type as much as possible with the view of giving the complete picture away.... So that's there I am now - being honest I feel like I couldn't care less what Orange now to do my credit file and feel like telling them swing for the direct debit.... what else can I do ? I have followed all procedures and gotten nothing.... HELP! Please!

Follows the Southern Cross closures and others. http://www.bbc.co.uk/news/health-20564151

I have just received a first stage warning under my company's sickness/absence policy. I have been absent on three occassions, that is correct. But one of those occassions was when I had to enter hospital for an operation to remove my thyroid gland which had a suspected cancerous growth, biopsy's proved inconclusive. Surely using this period of absence to facilitate this warning means the company are not showing me the duty of care that they are legally obliged to do. What did they expect me to do...wait until February to have this potentially life threatening operation. I am obviously going to appeal this disciplinary measure. Is duty of care the best direction to go. Thanks in advance of any replies.

A family member went shopping at cheshire oaks on the 17/11/2012 and unawares to them parked in a staff parking area and when they returned to their car had a parking charge on the windscreeen from care parking. i tried to upload picture but this is my first post so couldnt after doing some research i believe that i should tell them to just ignore this companies invoice, is that correct? she is quite concerned (and elderly) that when it gets passed to a debt recovery agency that some one will turn up and try and take her car away. parking attendant also got car colour wrong as invoice states black and log book clearly states purple. Just reading the small print on the back of the ticket and it reads: PART 5 ADMINISTRATION/LAWFULL ISSUE This parking charge has been lawfully issued and the collection procedure will be processed in accordence with the Aminstraion of Justice Act 1970 (just off to read the act now)

Me and my partner went to do some xmas shopping at Cheshire Oaks yesterday, spent 40 minutes trying to find a car parking space, gave up and parked on a pavement at the side of a row of parking bays. NOT causing an obstruction, not causing Cheshire Oaks any losses.. .if anything.. .gaining them money considering the amount of money i spent and it being free parking anyway. This was not a pedestrian pavement. (yes, we should have parked in a bay but WE COULD NOT FIND ONE) Came back to find a PCN from Care Parking slapped on the window. I went directly to the manager who obviously wasn't interested judging from the size of his Tag Heuer watch. Then spoke to a lady who works there who told us "not to worry, enjoy your day, go on the internet and research and appeal...or not...if you understand where i'm coming from?" Something similar has probably already been posted but I was wondering where we stand with not actually parking in a bay of any sort? Do we completely ignore it? I understand the law has changed recently? Was she actually telling us to do nothing but as she works there she cannot actually directly say that? Peace of mind would be nice!

Hi, I received an unfair parking fine from Care Parking at Cheshire Oaks in June for parking in a "staff bay" and appealed as there was no signage and there were 12 cars which received tickets. My appeal was denied and i was ordered to pay £140. I have since ignored the last letter they sent me and have just received a letter from "Thomas Higgins Partnership" headed "solicitors". The letter is very vague and just orders me to pay the £140 fine. Is this a serious threat and will they take legal action or can i just ignore? thanks!

Just got a SAR back from HBOS and was surprised to find an arrangement form from 2000 for mortgage care relating to the house I own with my ex, Genuinely dont recall this one specifically but do remember getting turned over royally by the broker at the time and coming away with more policies that the tory party. it is 15.97 a month and covered half of the 300 mortgage payment and I think is still being paid, I pay towards a load of this stuff at tuther house but the payments go out of her account. Does mortgage care usually equal ppi ? seems to be capital bank originally ? Guess I will have to let the ex know I intend to claim as it is in joint names and if successful split it with her. Would they write to her automatically if I complained for missell?

http://www.bbc.co.uk/news/health-19944217