Good afternoon, I am wondering if somebody can point me in the right direct. Last summer myself, my wife and our son (13 at the time) flew to Romania with Tarom (Heathrow to Bucharest). Our flight landed almost 6 hours late. On our return, I filed a claim for compensation for the three of us at 400 Euro’s per person. After 3 months, Tarom eventually replied to me with an apology and an offer of 450 Euro’s per person in vouchers. I refused this and insisted upon a cash alternative via bank transfer under Regulation EU261. Tarom agreed to compensate 400 Euro’s per person and asked for my bank details, which I have supplied. However, after another 3 weeks, they only paid 400 Euro’s. I have emailed them twice since to ask about the remaining 800 Euro’s. Today, I got a reply stating the following: “Under the Romanian Law (we are a Romanian Company) we can make the payment directly to the passenger. In order to make the payment for Mrs. XXXX and Mr. XXXX we need the following bank details of the passengers.” Is this information correct, or are they trying to delay payment further? I can’t imagine that an airline pays each member of a family separately e.g. a family package holiday. Our son does not have a bank account, so I can’t give them any bank details for him, although he is entitled to compensation too. Many thanks

Hi, I was recently on a flight from Vienna to Gatwick. The distance is 1250km (775 miles). The delay was exactly 3 hours, 4 minutes (184 minutes). Under Flight Regulation EC 261/2004 I am entitled to compensation of 250€ per passenger (2 of us) for flight delays longer than 3 hours. The delay was due to a technical fault. I contacted BA via email for compensation. They responded stating that 175 minutes was due to technical fault, and the remaining 9 minutes was due to ATC as they had to wait for a slot to take off, therefore since less than 180 minutes was their fault, they reject the claim for compensation. My friend, on a different BA flight had exactly the same issue - his flight delayed by 200 minutes, and BA claimed 175 due to technical fault, and 25 due to waiting for ATC to let them go. Suspicious. From my point of view, if there was no technical fault, the flight would have taken off in the allocated time and the delay would have been 0 minutes. The technical fault caused the ATC delay, and therefore the delay is entirely BA fault, all 184 minutes of it. So they should pay me compensation. Also, does "ATC waiting for a takeoff slot" count as "extraordinary circumstances" ? I know an ATC strike, or ATC staff shortages may do, but there is nothing improper or out of the ordinary about the operation of ATC at this time - it is entirely correct operation, they are just waiting for the next free slot because obviously they cant just let a plane go immediately when its ready, so there will always be some kind of delay here, so how can it be classed extraordinary? It seems there is a grey area on the Air Traffic Control and airlines can use it to get out of paying compensation. Please can someone give me advice on this? Thanks, Ryan.

Care UK faces legal action unless it pays more than £3m in compensation READ MORE HERE: https://www.gov.uk/government/news/care-uk-faces-legal-action-unless-it-pays-more-than-3m-in-compensation

I know someone who has been trying to claim compensation for a injury that occured in July 2015. The solicitors and company are taking so long to complete the claim. The result of the injury is bad enough requiring daily medication and walking issues, which no one really understands apart from you has had it before. Major distress in making appointments and contacting the solicitor has happen over the past 3 years can you be compensated for it either through making a complaint against your solicitor or other bodies?

There is a very real risk those who are owed money by Wonga in compensation for having been lent money irresponsibly may be chased by creditors for this money, whilst losing access to the compensation to which they are entitled. https://www.msn.com/en-gb/money/news/wonga-compensation-claimants-may-lose-out-due-to-automation-plan/ar-BBPkdZX?ocid=spartandhp

Hi there. My husband is trying to claim ppi from Littlewoods/shop direct. He has received a letter from then saying he did have ppi with cover plus. Start date was in 1994. It was fully paid. The thing is, they have enclosed a claim form from the FOS. Why would they do this? Many thanks

I am looking for some advice with respect to a PPI refund and compensation in connection with a former Endeaour loan. I had a compensation refund in 2015 which was based on premiums I had paid from 2002 - 2013. But I did not know if it had been calculated properly because although I had requested that the PPI be cancelled in 2013 all my loan account statements from Endeavour/HSBC and subsequently Sancopia Portfolio showed premium payments . I then spent 3 years trying to find out how HSBC reached their compensation figure and which premium payments were used for the calculation. Finally after escalating it to an FCA case I was sent the HSBC spreadsheet for the calculation which did not include any premiums from 2013 - 2015. HSBC say that the premiums from 2013 - 2015 were reversed and they have sent the FCA a screenshot form their internal systems which show that the premiums were reversed and refunded. FCA say they are satisfied that 8 of the 15 payments have been reversed. What I would advice on is whether this is correct if they are still showing on the loan account statement i.e if there is no corresponding reduction of the loan account to reflect these reversals. As a result of this long running issue, I have the internal HSBC PPI compensation spreadsheet with all formulas. I am more than happy it with the CAG if it can help others succeed with their claims. Advice would be much appreciated.

Rail passengers to benefit from ‘one-click’ compensation READ MORE HERE: https://www.gov.uk/government/news/rail-passengers-to-benefit-from-one-click-compensation

From May 20th 2018 - TL and GN started running a new timetable which was much publicised. However for 2 months they had severe operating issues which fell below the usual standards of service that is expected. A statement can be found below; Millions of people will have been affected by this - Whether you are a tourist or a regular season ticket holder then you will have had to endure persistent overcrowding due to cancelled trains / revised trains, lack of rolling stock / trained drivers, etc. Thameslink and Great Northern are offering up at a maximum of 1 months season ticket financial compensation for the poor service. More info can be found below; If you have been affected the the scheme will run in 3 phases... This is correct as of the 24th September 2018. A further scheme for Northern will open soon and people should keep an eye out for that. ---------------------------------------------------------------------------------------- Would appreciate to hear anybody else's experiences.

Justice Secretary announces victim compensation scheme review, scraps unfair rule READ MORE HERE: https://www.gov.uk/government/news/justice-secretary-announces-victim-compensation-scheme-review-scraps-unfair-rule

Delayed flight compensation Jet2 - We have had a long and frustrating 9 months trying to get compensation from Jet2 for delayed flight LS606 from Malaga to East Midlands on Monday December 11th 2017. To jog your memory there was some snowfall on Sunday 10th December across parts of the midlands and the south of the country. LS606 was 3 hours 41 minutes late arriving at East Midlands. We put in a claim to Jet 2 by way of a letter (and two follow up letters) and it was repeatedly denied because of ‘exceptional circumstances’ which Jet2 tried to suggest was adverse weather. To cut the long version short, we issued county court proceedings in January 2018 and Jet2 responded by appointing a large London firm of solicitors to fight their defence. The defence received was laughable and was mistly wrong, inaccurate or downright offensive. One part that sticks out to me was the following: ‘The defendant does not admit nor deny that the claimants presented themselves for check-in’. In other words, although they do not deny it, they wanted us to prove that we did. Of course, by law they have to keep records of who actually boards and travels on all aircraft. For the last 9 months Jet 2 has tried to convince us that LS606 was delayed due to adverse weather but I can prove that it was not and will happily forward that proof onto anyone who also wishes to bring a compensation claim for the same flight. The PREVIOUS flight, LS605 was delayed leaving East Midlands and that it was actually made our flight delayed. But although Jet 2 will again tell you that LS605 was delayed by adverse weather, that is also untrue. The actual reason LS605 was delayed was a lack of de-icing facilities and supplies. Something confirmed on bvoard LS606 by the captain in Malaga. On the day in question I have records of every flight that landed and departed from EMA between 05:25 and 15:13. Not one aircraft was delayed from landing at EMA and of those that did land, not a single one was delayed in departing again. Only aircraft that had been parked overnight had any delay and of those only some of those. This was ultimately Jet2's downfall. Adverse weather either effects all flights atbthe airport or it doesn't. De-icing is more selective and thus the can of worms is opened. The two flights in question are LS605 and LS606 on Monday 11 December 2017, both of which used a Boeing 737 aircraft with the registration G-JZHL. This aircraft was flown EMPTY into EMA from Birmingham on Saturday 9 December and it sat fully exposed to the forecast snow conditions until it was required on the Monday morning, 36 hours later. THAT is why it needed de-icing and the lack of said de-icing is why LS605 was delayed departing and thus why LS606 was subsequently delayed. So, ANYONE who travelled on LS606 should claim compensation under EU regulation 261/2004 and I would strongly advise you to claim from Jet2 without delay. They WILL deny your claim and will most likely string you along for months also, but persevere and like us you will get your compensation. Our court case was due to be heard in the next couple of weeks and out of the blue Jet 2 decided to offer the full claim amount (including the court fee) last week. This morning we received the full claim amount into our bank. Jet2 tried to incorporate a ‘confidential’ clause into their offer, but I pointed out that they were not in a position to demand anything from us. They dropped that part in agreement of us accepting the full settlement offer. We did that specifically so we could tell you. So, if you were on LS606 make a claim. You are entitled to 400 Euros per passenger. I also advise anyone on LS605 to also claim because your flight was also NOT delayed due to adverse weather, but a lack of de-icing facilities. EU court cases have ruled that de-icing is not a reason to deny claims. I think it is outrageous that companies such as Jet2 will try this. They know they must pay but WILL deny your perfectly valid claim. They are simply hoping you will just not bother, or if you do bother will accept their rejection, or if you do issue a court claim will be put off by their big London firm and their 20 page defence, or that you will just give up. Be like us and stand up to them. Amount settled: £780.72 being 400 Euros each plus the £60 court summons fee. In case anyone from Jet2 wishes to contest what I have said above, I have the full documentation of the entire matter from letter 1 to bank payment today.

Windrush compensation scheme consultation launched READ MORE HERE: https://www.gov.uk/government/news/windrush-compensation-scheme-consultation-launched

Hello I hope I am posting in the right place. I took out an interest only mortgage in 2007 for 17 years, it has 6 years to go and I have hardly paid anything off the balance I am unlikely to be able to pay this off when the mortgage completes in 2024. I recently saw an ad for compensation claims for mis sold interest only mortgages, the broker that sold me this mortgage never asked for proof of earnings (I am self employed) he said there was no need as I could self certify. I think I was mis sold this mortgage and wondered if anyone had made any such claim for compensation, or used a claims company. Any advice would be appreciated. Thank you

My transatlantic flight form USA back to UK was cancelled by airline 4 hrs after the flight was due to depart . I was not put on another flight for 48 hrs. Can I claim from both the airline and on the insurance which i took out or am i only permitted to claim from one or the other. Thanks

Hi all, New here and after some advice. I booked a package holiday through Olympic Holidays in April with flights operated by TUI. Our (2 of us) return flight (Corfu-Gatwick) was delayed due to a faulty aircraft having been sent back to Gatwick on it's way out to Corfu. This resulted in a 13 hour delay. Due to work commitments, we needed to be back home much earlier than this so unfortunately had to pay for new flights that were operated by Thomas Cook, plus €110 in baggage charges. The total came to around £400 after conversion (flights were £155 each). Before I start the long compensation process and so that I go about this in the correct way, I was looking for advice on: 1) Do I claim through Olympic or TUI? 2)Am I entitled to the standardised compensation package, or 3)Because I didn't take the scheduled flight, do TUI/Olympic have to pay me for the flights that I bought due to their delay, or: 4) Are they liable to pay for the flight that we didn't take due to the delay? I have a feeling Olympic/TUI will try passing me on like a hot potato so any help would be greatly appreciated. Thanks Jacob

Home Secretary launches Windrush compensation scheme call for evidence READ MORE HERE: https://www.gov.uk/government/news/home-secretary-launches-windrush-compensation-scheme-call-for-evidence

Hi My wife was seriously assaulted at her work 2.5 years ago. After a huge amount of hassle, delays, and mis-handling of information, she was eventually awarded £1000. Initially, the claim had been rejected due to lack of a Police report - which had already been provided - and we had to appeal that. My wife suffered soft tissue damage to her wrist, a patient had violently grabbed her, pinned her down on a desk, and held her there for quite a while before being subdued. She was off work for 6 months, suffered PTSD as a result of the assault and attended several physiotherapy sessions, and now has developed what is being queried as Carpal Tunnel Syndrome which a specialist believes to be linked to the assault. We believe that very little has been taken into consideration when they (rather reluctantly it would seem) made the award, especially the PTSD, and now she has resigned due to her employer not making any attempt to accommodate her in a lighter role as her current position causes a great deal of pain and discomfort and essentially unable to carry out her duties. We are seriously considering appealing this and would appreciate any advice.

Hi all ,Someone knocked on the front door tonight offering a free survey for any damp walls after cavity wall insulation since we have had the walls insulated a few years ago damp has got a grip in both upstairs bedrooms , they seem to be offering a no win no fee service . Apparently the problem has been mentioned in the house of commons and could be the next PPI , anyone got any views , heres the link to the MP's comments. Thanks Andy. http://www.bbc.co.uk/news/uk-wales-politics-39602540

Hi, have another thread similar but not had many responses so I might have put it in the wrong place, sorry. I've had a quote from a solicitor through my bank which I accepted. The solicitor is asking for more than double. The middle man who supposedly provided the quote through my banks website and allocated the solicitor has said it was a technical error and I was provided an old quote which is now more expensive and I'll either have to pay what the solicitor is asking or find my own solicitor. It's took them 3 weeks of being passed between solicitor. Bank and middle man to get this response. I've submitted a formal complain which they say will take up to 4 weeks. This will mean 7 weeks of delay before any work is even started. I've spoke to the financial ombudsman who said usually they'd have to honour it but may be different as its in relation to legal services so contact the legal ombudsman. They said they weren't sure of anything in law but if I'm not happy with the outcome I can pass onto them. I asked for advice because I didn't want to wait atleast 7 weeks before any work was even started on the remortgage. She said there's no reason why work can't be started and them if upheld can be claimed back. I said I didnt want to pay out the £535 and she said I can go with someone cheaper but then there would be nothing to gain or claim back through a complaint. The cheaper company are £435 so still £180 more expensive than the original quote. Can I claim the difference back considering he was there fault I had to go elsewhere to someone more expensive than the quote they gave? On top of how much it is costing us with the delayed remortgage which the money will be used to pay off a loan and fix a leak. Is anyone aware of any legislation to confirm they have to honour the quote? We have confirmation the quote was accepted and they had all the information needed to provide an accurate quote. I've read elsewhere once accepted it becomes a contract? Thanks

Hi I'm considering raising a claim against First Choice, as they have not responded to my compensation claim. All 4 of us (2 disabled kids) were ill during a stay in one of their resorts, which essentially wiped out the holiday. Their legal team are uncontactable, and almost 8 months has passed without them responding to us. We raised a complaint with Abta, and they originally did not reply to them either. Abta referred it to their legal team, but FC responded advising they are not prepared to use the Abta mediation service, so Abta they have closed the close. We have never received any response to our claim. I've never raised a court claim personally before, so was was just after some general advice about potential pitfalls etc. I can see the issue fee would be about £70, but would there be further costs if the case were defended? My Mrs is concerned about us having a shedload of costs, should our claim fail, and mentioned a counterclaim, but unsure what this is?? This is the only option open to us however if we want to pursue it, as they are completely ignoring our claim.

National Minimum Wage: Workers win £2m compensation READ MORE HERE: http://www.bbc.co.uk/news/business-40952205

I have received response from Capital One upholding a PPI complaint. However, although the figures are fairly small (they suggest PPI Premiums paid were £157), the amount of compensation offered does not (in my opinion) take into account the age of the 'issue' (account closed 18 years ago!). Am I correct in suggesting that statutory interest compensation should be applied at a rate of 8% per annum (simple - not compound)? Tried the calculators in CAG library but links don't seem to work! Had similar concern with a couple of Barclaycard complaints - upheld and compensation offered but with paltry interest calculations. Did complain to BC but they stated that was their standard approach - and tough! Does anyone have any knowledge as to what final settlement figures should be based upon? Any help much appreciated! Apologies - this posted in wrong Forum by mistake (should have been PPI) but cant move?

Hi All, any ppi experts around? I took out several loans and a credit card with hsbc 15 years ago and unfortunately defaulted and still to this day have not paid it off its currently with 1st credit as was sold to them by hsbc some years ago. I have no payment plan in place have not actually heard from them in over a year. I decided to claim for ppi and ive just had a letter from HSBC offering my 4k and ive sent back my bank details in order for them to transfer the money to me. My question is... will they use the money to pay the money towards what i owe 1st credit? Many thanks in advance.

Hello, I recently got back from a holiday in Portugal where our flight was delayed by 3 hours going out there. I submitted the claims form and this is the rubbish I get back; Dear XXXXX Flight No. XXXXX Gatwick to Faro 25th June 2017 Further to your claim for delay compensation, we are writing to advise the outcome of our investigation into your case. Monarch Airlines aims as its first priority to provide its passengers with a safe and efficient service. We are sorry for the delay you experienced that has led to your claim for compensation. We would like to reassure you that every reasonable effort is made to ensure that our flights depart on time and in the unlikely event we are unable to do so through disruption, we aim to provide a solution at the earliest opportunity. As previously advised, in some circumstances passengers may be entitled to compensation for delay arising from such disruption under European Union laws. However, any monetary payments are subject to certain criteria being satisfied. Under these laws where the disruption is caused by an ‘extraordinary circumstance’ which the airline was reasonably unable to prevent, the carrier is not obliged to pay compensation. The Civil Aviation Authority and European National Enforcement Bodies have published guidelines regarding what can and cannot be considered as extraordinary circumstances and we base our decision on these guidelines. Our records show that due to high winds three of our aircraft were unable to return from Spain and were forced to remain overnight in Arrecife on 24th June. As a consequence of these aircraft being unavailable for their planned flights as a result of the weather, there was severe disruption across the entire flying programme. This led to a number of flights being cancelled leaving many passengers unable to travel to their intended destinations. However, and in order to avoid cancelling your flight, our operations team were able to implement changes to the flying programme and utilise our standby aircraft. Unfortunately and despite our best efforts this did lead to the unavoidable delay to the departure of your flight. Having considered the factual background of this case in accordance with the published guidelines and applicable case law, we are satisfied that the disruption was caused by an extraordinary circumstance that could not have reasonably been prevented by Monarch Airlines. We are, therefore, unable to accept your claim for compensation for the reasons given. All flight delays are fully documented in accordance with the requirements of our regulator and the relevant legislation in place. Please note that this documentation cannot be disclosed to passengers nonetheless we actively supply this to the Civil Aviation Authority and National Enforcement Bodies upon request. Yours sincerely XXXX XXXXX EU Claims Advisor Monarch I find this unacceptable as the delay was caused by flights the day before! Also if it was caused 24 hours before they had ample time to inform us. This also lead to us missing the first day of our villa as we didn't arrive until the early hours of the 26th June. I would appreciate your input on this and advice as to whether I am being unreasonable and I am not entitled to compensation. Or the best way to proceed in getting compensation that might be due. Kind Regards, tissot

I have a case with PRA, made a CCA request for information and deeds of assignment, they only write a letter to say they have requested for the information from OC and the deeds of assignment is a confidential information consisting of their business secret, but they agreed in the letter that they will bring it to the CCJ set aside hearing but they said they will blank out confidential info. What defence options do I have in this scenario ? No CCA request was honoured What happened in case the deeds has been altered as stated Also the fact that I have not been given opportunities to review the document before hearing ? If they are challenging my set aside application, I have not been presented their WS?