Not sure if this is in the right forum,I'm sure it will be moved if not Last year, some charming specimen of humanity hacked my computer and downloaded a virus which filled it with child porn and then remotely took pictures of it. They then demanded money or the pictures would be sent to the police. I reported everything to the police and he was tracked down, arrested and charged in July was sent on a nice 5 1/2 year holiday as a guest of Her Majesty. After the case, the computer (which had been seized as evidence) should have been returned to me -however the police have said they may not return it if they cannot guarantee it to be clean (it seems that part of the virus is that when it's shut down and restarts, it sends more images...). It seems rather unfair that I should be out the cost of the computer when I haven't done anything wrong -is there any way I can sue for the cost of replacement? I did mention compensation to the prosecuting team ,but it seemingly wasn't brought up at the trial. Any advice gladly welcome!

There was a default placed on my credit file by BT for an old account which was legitimately closed down in August 2014. I sent an email directly to Libby Barr of BT Consumer and the complaint was sent to BT's Executive Level team later that day. BT confirmed straight away that it shouldn't of been there and the account was not closed down correctly on their part and it left an outstanding balance which then defaulted. They also confirmed that there was not any correspondence sent out. BT have sent me an email confirming that the default is going to be removed. Recently we were declined for a mortgage due to this default being registered within 2 years which is a stipulation of the lenders criteria. It wasn't picked up on the decision in principle as they used Experian for the DIP however it was picked up on Equifax for the full application. This has set us back a number of weeks and there is a chance the seller could walk away not to mention the stress it has caused. I'm just after some advice with regards to compensation, do you think I'd have a chance of being offered some and how would you play it? Thanks

After all the years of stress from trying to defer with slc and them making mistakes with incorrect arrears etc. then rodeo trying to change the original t&c's with their forms etc. etc. etc. ... I get a cheque for £50 and a "sincere apology". This arrived with a letter watermarked with "copy" in large letters of a resolution letter that they supposedly sent last year .. ... but this is the first I've known of it .. . I was still waiting for this and the copy of my original signed loan agreement that I requested with a £1 postal order (this has still not been provided). I complained through the fos last year and it's obvious that they didn't manage to provide a solution in the time allotted so just left it till the 6 month time period for me to complain was up hoping that I would forget about it (which is what happened). Anyway, £50 .... just doesn't make up for all the years of hassle, infact it makes me more annoyed .. .. especially when it's accompanied by the out of date resolution letter that I should have got last year. Anyone else had one of these fob off payment offers?

Hi I broke my shoulder and wrist in a car accident four years ago. The other party admitted liability and I have accepted their offer. My solicitor sent me a letter for me to sign to accept and the last part said I gave my permission for the other party to pay my compensation directly to my solicitor. Has anybody got any idea if this is this normal? I know their fees are being paid by the other party Thanks Dex

Hi CAG, I'm wondering if you may be able to give me a little bit of advice . Back in January natwest fraud team decided to put a block on all of my accounts for MY protection, they didn't try to contact me they didn't try to let me know and the only way I found out was when I tried to check into my hotel at 6pm and my card was declined, i went over to a ATM and my card was declined to get a balance, mobile and internet banking was also disabled. That evening I spend a total of 112 minutes on the phone to the bank trying to regain access to my account but time and time again I was told that i would need to speak to someone at 9am the following morning as the department which put a block on my account was closed. Because of not being able to access any funds, in turn i couldn't check into a hotel or access any funds I had £4 in cash on me. I was forced to spend the first half of the night until I was asked to leave at 4am in a 24 hour Mcdonalds after I managed to take safe haven on a bench outside the train station and from around 6am I walked the streets until 9am where I then phoned the bank and regained access to my funds, checked into a hotel and went to sleep. The sleepless night affected my ability to enjoy any of my further trip and in turn it left me unable to see the matinée I had booked for the following day. My question to CAG is what is a reasonable amount for me to ask from the bank as compensation, what is a reasonable amount of money for me to request for the phone calls that i made. Thanks guys Matt

I've contracted myHermes to deliver a pair of Mission 782 speakers from the UK Mainland to Portugal. I've been buying speakers and amplifiers in the US and UK for months now, and apart from a Onkyo receiver being totaled by SEUR, 22 packages where successfully delivered. This baselines standard quality of service + my definition of good enough packaging to sustain normal transportation stress + a normal BAD transportation claim being settled correctly by ebay (that onkyo dropped by SEUR represented immediate FULL refund). My myHermes experience starts with the transportation of the 2 speakers. They where bubble wrapped (2 layers big bublle, then the edges where card-boarded, then a layer of foam wrap together with gum-tape holding everything together). When I got the speakers, the center drivers where: Speaker 1 - marked and broken inner cone Speaker 2 - no cone visible! it was inside the speaker together with the big magnet that makes a speaker work...both broken beyond repair. This speaker also had the front protector assembly broken. I've received much more fragile speaker delivered with less protective wrapping... a set of Castle Acoustics for instance was delivered with the box containing them literally falling apart, with the speakers showing, wrapped only in a layer of small bubble wrap...yet perfect in condition as they where handled with care, as you would expect from a transportation service. Since the ONKYO case, I decided to estimate the replacement value for those 2 speakers, and during contract from myHermes, I added insurance valued good for 200GBP. After receiving the damaged speakers, I've seek a repair solution and managed one at 162GBP. During claim, I added photographic evidence, together with a estimated cost form ebay parts to repair the broken drivers... that was not accepted as it was not a receipt. So I immediately brought the parts and added the receipt. Then came the so called deliberation: Insufficient packaging...no settlement. Please accept the good will 30GBP. Talking with client support the "official version was repeated over again"... a total and complete loss of my time. My conclusions?: 1 - they must be self insured and so in conflict of interest regarding defending the client against a claim.... hence insurance is a [problem]. 2 - insufficient packaging is an easy to claim nonsense.... Speakers are as heavy as they are fragile... dropping them is enough to damage them, even on original factory packaging... competitors had no issues with worse packing quality, yet myHermes managed to destroy 2 independently packed speakers...not one, but 2. They where packed for transportation, not rugby playing! The seller could have wrapped the speakers in steel... if they decide to shoot them instead of transporting them, no packing will ever be enough. This is the main point! A transportation company should transport their customer goods with care. Wrapping and protection serves the purpose of eventual, normal handling, accidents... not systematic, negligent, handling. 2 speakers 2 "accidental handling accidents"??? those odds would make billionaires on the lottery. 3 - During a claim, no claim is processed until you actually present a receipt of you paying for the repair... so they will force you into loosing more money. Then they deliberate... this is total disrespect for the client and a very bad practice. 4 - Finally they offer a "Good Will" refund. If they offer ANY sort of refund they know they are guilty.. the 30GBP is a joke and serves to reinforce that the insurance is actually no more than a ripoff form myHermes instead of a real insurance from an 3rd party entity. 5 - Will never use them again ever. 6 - Will pass this experience to EVERYONE ELSE OUT THERE so others do not suffer the same fate. 7 - Will seek alternative ways of punishment (legal or simple bad publicity). 8 - If Ebay global shipping decides to use myHermes, I would not opose, as they have the power/volume to press myHermes into submission (just as they've done with SEUR and the ONKYO case). BUT I've already posted on the ebay community forum as many other have. I honestly think that the decision is down to price and that quality is ignored... but it is worth the try.

I booked a coach journey with Terravision from Manchester to Liverpool Airport. Pickup Manchester: 14:40 Arrives Liverpool Airport: 15:30 We were informed at around 14:50/55 that the coach would be 55 minutes late and that all buses throughout the day were actually around 30 minutes late. What annoyed us is if they were aware in advance that buses were running late all day long, then why weren't we informed? or a notice placed in the waiting area? so we could seek alliterative transport such as another bus company/ train and so on. This left us no alternative but to order a taxi costing £80!!! to get to the airport on time. Who is to blame here? and who can we seek compensation from?

Hello all, I am extremely embarrassed to have to post this I was caught shoplifting from Tesco last month. I had just found out the company I work for was going into liquidation and therefore was having one of those days where you could cry at any misfortune that might happen to you. I went to use the self check-out in a large London Tesco. After scanning all the items through and put them into my own "Bag for life" it came to £47.00 and so I took out my debit card and went to pay, after putting in my pin it said my card had been declined and therefore I was waiting for the assistant to come over and put a pin into the screen. After waiting 5 minutes (One assistant to about 20 tills that all seemed to have a problem) I saw red and picked up my bag and walked out. I know this was the wrong thing to do and I have never regretted anything more. As I was walking out a security guard stopped me and asked me to come with him, I said of course and followed him. They took me to a room and checked though my bags, I was very calm and showed them everything I stole. They asked for my I.D and they wrote down all my information into a book, Then because there was someone kicking off in the store the guy came in and said "Collect all your things, we need this cell" and so i collected everything he gave my ID back. As i was leaving he said to me "You are banned from Tesco for a year and you will receive a letter in the post with a amount of compensation you have to pay", he then opened the door and I left. A week later I come home to find a letter from "RLP" saying that I need to pay the amount of "£147" to cover Tesco's cost's. 1. Firstly is this a normal amount? 2. Did the man at Tesco do everything he was meant to do? I have read alot of these Forums and alot say that people signed a form saying they were aware they were going to get given a form with a compensation amount on? 3. What happens if i don't pay? The Tesco in question is one off the biggest in Europe and I see people get caught all the time in there? Does this make any different. 4. Because the police were not called does this mean it will not get forwarded to the police if i don't pay? 5. Or do I just find the money somehow and pay it? I really don't have the money now I have lost my job and have to pay for my studies. Many Thanks in advance, A very silly man.

I am hoping that you well-versed guys can help me. My wife and I were married in Italy in May 2015. However, the outbound flight (07/05/2015) from Manchester was delayed for around 3 hours, then ultimately cancelled due to a fire at the destination airport (Roma Fiumicino). We were given a full refund (around £175) and the Jet2 staff were amazing in trying to help us find alternative flights. Eventually we found the last two seats on a RyanAir flight leaving the next morning from Gatwick. We hired a car (£30 +£25 fuel), a hotel (£90) and the flights (£490). I also incurred around £15 in telephone costs. I telephoned the travel insurer immediately on finding out about the cancellation, as per the terms and conditions. Upon returning to the UK we were refused any sort of compensation due to the extraordinary nature of the cancellation. I sent a forceful reply citing their lack of meaning description regarding the 'extraordinary conditions' section of their terms and conditions. Eventually, they paid up £140 as a gesture of good will under a delayed flight rather than a cancellation. However, they would not pay out on the extra costs we had to fork out just to get out of the country. It is these that were most costly and I would like to get the money back. Any thoughts?

Hi, What do you think I should do? I ordered Business Fibre 152mb broadband in January 2015 Virgin required a £230 deposit which I paid. It is now a year later, hundreds of emails and hours of calls and 6 missed apointments and we seem no closer to an actual installation. Costs initially escalated from £60 for the install to a couple of hundred, and 2 months in I opted for a government Connection Voucher to cover it. Since then they have continued to rise and I've continued to agree to them as they are still less than the grant. Highlights include: a 3 month wait while Virgin was emailing the wrong email address to get the installation started being asked to pay £3895 excess costs which turned out to be a basic algebra error resulting from adding the £3000 connection voucher grant and actual £895 costs together waiting for contractors to not show up to do work on 6 different weekends I made a formal complaint in October and have a reference for it, but all the complaints department do is chase their Manilla call centre to give me an update, which typically doesn't contain any information. It has been a very frustrating year and the practical and financial impact on my business is huge. There is also no sign this is going to end with Virgin actually getting round to the installation... I've thought about complaining to CISAS, which is the ombudsman Virgin Media seem to be linked to, what should i be asking them for? Is there anything else I could do?

Hi We bought a campervan in Scotland earlier this year. It is a three berth campervan, designed to take two adults (parents) and our daughter. The van was in stock. We specified a third bed kit when ordering the van. The salesman looked in the manufacturer's brochure to find the price, £295, and added that to the overall cost. When we collected the van we commented that the third bed kit wasn't to the same standard as the rest of the van. The salesman said that he hadn't seen a third bed kit and that this was what came from the manufacturer. The first time we tried the third bed it collapsed when my daughter sat on it, leaving a piece of wood with 4 long screws sticking out lying on the floor next to her. When we told the salesman he first claimed that this was that was sent from their UK supplier, but eventually admitted that they had the faulty third bed kit made as it would have cost them ~£860 to buy the correct third bed kit from the manufacturers. Eventually, they agreed to replace the bed kit with the correct one. Their initial timescale was 2 weeks, increasing to 3-4 weeks. However, it has take over 10 weeks to get to this point and it is still not complete. The bed was delivered in sections, with the first delivery missing a number of vital items that the supplier had not noticed were missing until I informed them. It took them several deliveries to fix this. There is still one small, but important, piece missing. The firm has emailed to say that they will no longer accept emails from me and that I have to send anything else by recorded delivery. This is since I put a post on the manufacturer's FaceBook page asking for help. I have had to chase the retailer for any information, and have written at least 27 emails. We have not been able to sleep properly in the van for this 10 weeks as my daughter has not got a proper bed. As the main reason for buying a campervan is to sleep in it, and that the reason we cannot sleep in it is due to their failure to provide the bed kit that I thought that I had ordered from the manufacturer, and that the supplied kit failed, is it reasonable for me to be able to claim compensation for: a: the cost of my time in sending emails and chasing them up, and b: a sum for loss of use/enjoyment of the vehicle during the time I had to wait for the replacement? This is particularly relevant as we have just had half term and have not been able to use the van during this period. Any assistance would be gratefully received. Thanks

Hi Guys, As I was getting off a double decker bus in London, the bus driver deliberately closed the doors on me which caused me to stumble off the bus but I didn't fall. I felt a bit sore the next day but it didn't last. The driver had a hostile attitude when I got on the bus even though I thanked him. I lodged a complaint and received a reply a few weeks later that was very apologetic and said they looked at the video, saw what happened (just as I'd said) and have disciplined the driver but they can't disclose any info due to their internal disciplinary procedures, etc. Bearing in mind that they found that their driver acted maliciously, how should I start a claim for compensation? I'm not expecting a massive payout but a token of goodwill would suffice as their driver behaved badly. I was going to reply to the email I received and ask who I should write to to claim compensation but I thought I'd see if anyone on here could help first.

Virgin has become the first train company to automatically compensate some passengers if they are delayed. If you buy an advance ticket on the West Coast mainline through Virgin's website or app, you’ll get money back if your train is sufficiently late. The money would be with you within three days, and you won’t have to claim for it as it’ll be automatic. The government are encouraging other operators to roll out similar schemes nationwide. http://www.bbc.co.uk/news/business-34424729

Hi All, You normally see myself talking about debt related issues but throughout end of 2013 to summer 2014 I have been put through hell via another matter. I’m trying to find out if I can claim anything back or get some form of compensation / charge removed completely. Background to the case. One Friday in August 2013, I left work and decided to travel into an area close to where I work as I had seen a car for Spares & Repairs on GumTree (My sun roof leaked and it was going to cost in excess of £200 to repair). I travelled into the area and must of spent 45mins looking for the street, about to give up I saw a police van approaching so I flagged him down and asked for directions, of which he gave and on my way I went. Got to the street, but the car was not there so I made my way home, going back the way I came into the area (as I didnt know the area at all). I was then pulled over by the same police officer. Being of nervous disposition I started to panic and wonder as to why I'd been stopped, had i been speeding, did I cut someone up? Nope.. He asked me to step out of the car and proceeded to tell me that there had been an incident of indecent exposure in the area and "I matched the description", that scared the hell out of me, and he asked if I would come do a voluntary statement - which I did as I had nothing to hide. At station answered the questions fully, cop asked why was I heading back towards work when I live the other way, not knowing the area was'nt a good enough reason. He asked me about my car, I stated it was a Renault Clio that is Bluey Green in colour. He begins to argue with me stating that the colour was just Blue and no way can be green, but I stood by this.. after 40mins, he asked would i be prepared to do a ID parade, again I had nothing to hide and agreed.. He then took down my details: Eye Colour BLUE, Shaved brown hair, light stubble not a beard, local accent, height 5'6". Clothing I was wearing: Black T-shirt with a Red V-Neck (no collar), Light blue denim jeans, black shoes. I then left, done the ID parade a week later.. 23rd September - I get a call from my solicitor stating that I need to return back to the station as I had been picked out on an ID Parade (wtf etc etc came out) and bring the top I was wearing, which I did with him that day. Back at the station I gave the officer the t-shirt, and my solicitor advised me to say "No Comment" as I had already gave details in previous statement. I was charged. Now I was not given any details as to the witness statement or anything. Waiting game commenced with the case going to the CPS for their decision, 26th Dec 2013, they decided there was enough evidence to take to court – again something I was completely shocked about, I then had to appear to a hearing in Feb 2014 which gave me a court date of 1st April 2014. Mid of Jan, I finally plucked up the courage to ask someone I had fancied and deliberately went into her place of work just to see her for 18mths!! and to my surprise she was head over heels about me – a perfect & blissful relationship commenced. 26th Feb 2014, I met with another solicitor from the firm, whom was assigned to my case. Without going through the paper work with me he stated “Prepare yourself for the worse!”. Stated I should not have said “no comment” in second interview, to which I replied that I was advised to by his colleague (he shook his head). Told me that the witness (17yr old girl) had stated the man in question was driving a small RED[b} car, also said that the man was wearing a black polo shirt and black trousers! Viewed my car on car park and asked questions about interior confirmed colour was a blue green but not metallic or even red yet did not write anything or take pictures (something that the magistrates asked if there was any). After this meeting – I told my girlfriend straight away, as to the whole details.. “Don’t look so worried, it’s clearly not you, I believe you.” That made me happy, “I’ve watched you since the first day you came into the shop, you don’t drive a red car, and your too damn shy!” and she stood by me all the way & came to the court with me on 1st April. From 26th Feb to 1st April, I had no contact with the solicitor despite leaving endless messages. On the day of court he said to me and my girlfriend “I do not want to put pressure on to the girl due to her age as it would look bad”, yet Prosecutor questioned her fully over the incident. He never once questioned the girl on the description of the man, only focused on the colour of the car. Though the girl was adamend it was “Red.” It was “Shiny Red”, every other question put to her was “don’t know”. The only thing that was going for me was the coppers description of me and that my car was not red. The magistrates then deliberated and came back and said “We cannot take into consideration the colour of the car or clothing as Miss X, was clearly distressed – therefore we find you guilty”. I looked straight at my girlfriend (now ex as you will see why) and was informed that I was to be placed on the Sex Offenders Register. My Girlfriend and self returned back to hers, and we said the appeal will prove the correct outcome. 4th April, my girlfriend told me how she had spoken with her 16yr old son that she wants me to move in with them so we can start a life together properly, and we agreed that I was to move in at the end of the month. 10th April, we both sat down and wrote a complaint to the solicitors at the poor representation. She was also not happy to wait that long as said “I want you to move in this weekend” as she was truly happy (something her friends have said before) 11th April, after spending most of the day with her, I return home and at 9:30pm, she informs me that the social services have been round – they had told her (not knowing she was at the court) that I had been found guilty of two offences and have previous. She informed them this is not the case and that “WE” are appealing.. The social worker stated that “he has no grounds for an appeal, you are deluded as you do not know what has happened. Therefore we have no alternative to ask you to break off the relationship OR we will take your son (16) into care..” Of course she did the right thing, and put child first. They also said there was a no contact order in place! 17th April 18:30pm, I get a phone call from the solicitors whom stated that they can no longer represent me any further (for the sentencing & appeal) as they were professionally embarrassed at my complaint sent the 10th. My sentencing was 24th April – I only had 2.5days to find a new solicitor due to it being the Easter weekend. They couriered the paperwork (witness statement / officers statement and mine) to me to hand to new solicitors on the morning of the 24th. (I quickly took copies of all of theses) 24th April – I was instructed to pay £500 compensation, £350 court costs, placed on the offenders register for 5 years, instructed to do 120hrs community service, and attend a sexual offenders rehab course! – whilst at the court new solicitors quickly read through the statements, and was shocked when I told her I had never read them through and that it was clearly not me the witness was talking about. Details contained in the paperwork: Witness stated the culprit had a New RED shiny Car, he had Brown Eyes, Birmingham accent, he looked like he was 30 but had a beard that probably made him look older than he was. Wore a black polo shirt with a black collar and black work trousers. Incident took place at 16:30 and lasted 5.5mins (she knew this by messages on her phone). The incident happened 0.8miles away from where I stopped the cop, he confirmed it would take about 3mins to drive that distance and that I flagged him down at 16:45. So that meant in 6.5mins I was able to change my car, change my clothing in broad daylight, change my eye colour and have a shave?? Both myself and solicitor drew up 8 A4 pages of differences. I was turned down for Legal aid for the appeal twice, and ended up obtaining a loan with the help of my parents and paying £3,500 reprensentation!! The Appeal took place 11th July 2014, (exactly 3mths since being forced to split). At the appeal, despite having the witness statement in front of her, change details of clothing, location (put it further away) and what she actually saw. As for the officer, when my barrister questioned him about the colour of the car, the two magistrates agreed it was Bluey Green and judge stated he would settle the argument and say it was turquoise… When my barrister asked to confirm the colour the accuser had said, he went “red” the Judge shook his head in disbelief. The officer even knowing the difference in colour could not provide a reason as to why he pulled me over, only said “for another reason that I do not recall”.. Barrister asked what bottoms did the witness say the man was “Black Trousers” and what was Mr X wearing “Light blue denim Jeans” he held up my jeans and said like these “Yes” again judge shook his head. After 15mins of deliberation, the judge said that it was clear that it was not Mr X and therefore uphold the appeal. I was immediately taken off the register. THANK GOD!!!! I apparently have no grounds for compensation or can not recover anything back. Costs was awarded of which I have been notified today that it is a grand total of £349.47 yes Three Hundred and Forty Nine Pounds Forty Seven Pence. That I will receive within the next 90days!!!!! So as a result, I’ve lost the woman I was in love with (her son now 17, is being a ****, but I do understand why - as it is a protection for his mom as it’s been them two for so long - which i do admire), I’m £3.5k out of pocket – well more cos it’s a loan that was taken out, and have had my good name dragged through the mud. I’ve recently found out that the charge remains on my file so I now have to declare this for jobs and also have to pay for visa’s to goto USA. I took this to my local MP whom, is a complete to55er, he’s basically said deal with it – it’s the law, despite showing his support for another MP to get all of their funds back? I’ve also been told that there is an organisation (charity law firm) that would take on a case of compensation – but they did not know the name of the firm. Is this true? Is there any thing else I can do as I have been well and truly screwed over on this? Thanks – and sorry it was a long post.

Myself and three other students currently occupy a privately rented property in Southwark, London. The flat is pretty run down and we seem to have been stuck with a landlord who doesn't want to shell out any money despite the fact that we are paying £145 a week each! As soon as we moved in we noticed the washing machine door was bent and didn't catch properly, so we immediately informed the lettings agency who informed the landlord on or behalf that it was damaged, however he declined to have it looked at or repaired. After one initial breakdown that I managed to repair it packed up for good 02/10/15, so I immediately got onto the lettings agency again who informed the landlord that day that the washing machine had totally broken and there was nothing we could do about it. A couple of days later, instead of taking our word for it he sent a repairman round who took one look at it and said it was beyond repair and would have to be replaced, which was communicated to the lettings agency that day. After several more days we had heard nothing more on the situation and with mounting piles of washing I again contacted the lettings agency who said that the landlord was ordering the white goods (the engineer also recommended replacing the freezer) that evening - 12/10/15. After hearing no word from the company for three or four days I emailed them again, to which they replied that they would chase up the landlord. Now finally after weeks of pestering the landlord has finally ordered the goods to be delivered this Sunday (25/10/15). We have gone over three weeks without a washing machine simply because the landlord was too lazy to sort out a replacement despite being given several reminders, and we have had to pick up the cost of that. The house was furnished with white goods as part of our tenancy agreement and it is the landlord's responsibility for their maintenance, would we be entitled to ask for compensation? As essentially the landlord has failed to provide a service that we have been paying a huge amount of money for. All help would be appreciated, Cheers!

Hi to anyone that can help My Fiance and I have been awaiting her Decree Absolute to arrange our wedding and it has come to light that her previous marriage of 10 years wasn't lawfully carried out due to an administration error of the Registry Office. We have been told her case is to be heard before a DJ this week to confirm that the marriage wasn't legal, and that the registry office will send out a form to complete regarding compensation that will go before a DJ to award compensation accordingly. Does anyone know how much compensation is awarded in these matters and what can be taken into consideration at all?? Many thanks Hadituptohere

We have been chasing Capital One since March 2012 trying to get PPI money back but to date no success. Because of my ill health and poor postal service in my area, even the FOS has decided not to help us Everything was down to time limits and when I got ill, all timings got put aside. Now, Neither Cap One or FOS want to help. Cap One have been charging us PPI since 2002. Has anyone got any good ideas or should I just forget the whole thing

http://www.mirror.co.uk/news/every-little-helps-supermarket-giant-5461757

Delayed airline passengers are potentially missing out on millions of pounds of compensation, according to an investigation by Which?. The consumer group found that between June 2014 and May 2015, 37 million passenger journeys to or from the UK were delayed by 15 minutes or more. About 900,000 people could be eligible for compensation, but only around 38% of them ever claim, Which? found. Passengers delayed for over three hours are entitled to up to 600 euros (£422). Those protected by the Denied Boarding Regulation have to be flying with an EU-based airline or flying from an EU airport. More than 9,000 flights are delayed for three hours or more each year, the group said, with an average of 97 passengers on each flight. Which? director of campaigns Alex Neill told BBC 5 live: "We want people to assert their rights and hold their airline to account for those delays and claim the compensation that they are owed." http://www.bbc.co.uk/news/uk-33833059

Dear All, I am extremely unhappy with the way that Scottish Power have dealt with a complaint I had. My father lived in Scotland and my brother and I live 360 miles away in England. To cut a long story short, in 2012 my late father notified them that his meter was not working correctly from October 2012 to date, they were sending bills to him with the same meter numbers on . In September 2014, my father died and Scottish Power had still not changed the meter even though it was still showing the same readings as in 2012. My brother and I were left his property as part of the estate and I (and the solicitors in Scotland) have attempted to get them to change the meter since September 2014. We found a buyer for the flat and they wanted to move in on 10th July 2015 but obviously we had to declare the meter wasn't working so they threatened to pull out of the sale. Luckily, at the 11th hour, Scottish Power did change the meter on the afternoon of 9th July as I threatened to sue them because the Purchaser threatened to pull out and the house sale may have fallen through. This meant that all the paperwork didn't get done in time and we finally sold the property on 24th July 2015 to the same person. The bills have now been sorted out and luckily my dad did keep making payments to Scottish Power until he died as he was afraid that he would end up with a large bill once the meter issue had been sorted out and I now have to pay them £12.09 to finish everything off. As you can imagine, this was extremely stressful for my late father who was very ill during this whole period, fighting cancer and going through radiotherapy and chemotherapy. He involved the Citizen's Advice throughout the whole time but nothing was ever resolved. I then took up the fight after he died because I knew it needed sorted before we sold the property. My dad did not let the situation go, but didn't get anywhere and I have now spent hours trying to sort it out even though I lived 350 miles away from the property . I feel that we deserve some sort of compensation but don't know where to start. I know that my solicitor in Scotland has written and called them on numerous occasions up to the date they changed the meter and I was constantly calling and emailing them to try and resolve everything so the sale went through. Does anyone think that it is cheeky to look for some sort of compensation? I spent at least 2 hours on the phone to them, then phone calls to my solicitor in Scotland, plus the bill I will receive for the solicitors letters that were sent to them? I wouldn't even know where to start in calculating such a thing? Any advice from anyone would be appreciated as the last 3 years have been very difficult dealing with this and the loss of a parent? Many thanks for reading. Worstutility

I've just received an offer of compensation from Lloyds on a Credit Card I held from 2000-2004. The offer is for £970 plus just over £1000 interest. ... (this being 3 years after they said I didn't have PPI on the card) I'm thinking that this is very much south of the actual figures involved, seeing as, when I closed the Credit Card Account in 2004, (by re-mortgaging), the balance was at £21,000, which was systematically built up over the 48 months, so roughly by £500 a month from account opening. Any thoughts as to whether I should attempt to get CC statements for the period and refuse this offer ? Many thanks

So I just spent the better part of the last year healing a dislocated shoulder and two days ago I decided to go cycling, and so I cut through an old disused golf course, which as far as I can see is open to the public. It's in Scotland so there are freedom to roam rights and stuff. There were no No Entry signs and plenty of people use it for walking. There was some carpetty turf on the path which is old and rotten, and so I went to cycle down a slope not realising it had no grip whatsoever and was like an ice rink. It looked like it would have grip, however as soon as I went to cycle down it, not going very fast at all and I applied my brakes my front wheel gave way and I came down hard on my side, the same side I recently dislocated my shoulder. This has left me with bruising on my shoulder and my hip, however my shoulder did not dislocate. The point is though it could have since I'm now 30-50% likely to sustain the same injury in my life now. I COULD have seriously injured myself! Nonetheless, I still did sustain an injury and I am not happy about it one bit. So I am raising this with the local authorities, not sure who is in charge of this land however, whoever it is I am going to argue a case for negligence. This surface should have been lifted, as it is evidently a serious hazard to walkers or cyclists. Am I wasting my time then? In any case I am still going to have whoever own the land address this. If I was to put in a claim though do I need witnesses and doctors and all that? Is it worth using any of these no win no fee companies if the land is privately owned?

Hello, I'm new to this site and can't find where I need to search or post regarding an issue I have Thanks

On the 24th June 2015, I was part of a group of 17 family members that went on holiday through Thomas Cook to Tunisia Unfortunately, during our time in Tunisia the ISIS terrorist attack took place, which meant our holiday was cut short and we had to return home early. We had only enjoyed 2 days in Tunisia; and we returned home on the third day (28th June). On the morning of the 28th of June we were informed that due to the terror attack taking place, Thomas Cook would be sending out 10 rescue flights for UK tourists to return home. As we feared for our safety, and felt our lives were at risk; we decided the best thing to do would be to catch one of the rescue flights home. As mentioned earlier, we were a group of 17 people, however it must be noted that 10 of the group were in fact children that we had a responsibility for. Therefore, as well as keeping ourselves safe, we felt that it was imperative that we put the safety of our children first and return home at the earliest opportunity. Our holiday had been ruined; but we were confident that Thomas Cook would look after us, and compensate us for the experience we suffered. However, much to our disappointment, Thomas Cook contacted me on the 17th July 2015 and informed me that they would not be paying any compensation; but instead, were offering a ‘good will gesture’ which meant we would only be getting money back for the days we did not spend in our accommodation. My original holiday booking for 2 adults, and 3 children totalled £1527.96p. Yet Thomas Cook have offered me £436.56 back, (wait for it…) ‘in travel vouchers’, (and the best yet…) that need to be used by July 2016! Thomas Cook customer relations have told me that there is nothing I can do to appeal against this decision, and under no circumstances would they be offering the insult of £436.56 back in cash either. The most the lady could advise was for me to contact ABTA (which I have and have had no joy). I kindly told the lady from customer relations that I would not be accepting there so called ‘good will gesture’ of holiday vouchers, and simply told her that I would take this matter as far as possible until Thomas Cook offer me a full refund in cash; or at least in holiday vouchers so I can book another holiday for my family! The worst thing is that following the terror attack at the museum in Tunis in March, we as a family decided we no longer wanted to fly to Tunisia as we felt that our safety was under major threat. After researching the Government web site, it advised that if we were concerned about threats of terrorism in a country we would be visiting, we should seek advice from our Travel Operator, which we did. We expressed our concerns to Thomas Cook who did not show any concern or thought for our safety. We were told that the Foreign Travel Office had not advised against travel to Tunisia, and any amendments to holiday bookings done free of charge would be at the Tour Operators discretion. Although this was the case, our travel agents contacted Thomas Cook’s Head Office who clearly stated that we could not change our holiday free of charge. We were strongly advised that if we wanted to make amendments to our travel arrangements, we would have to pay a minimum of £150 per head, and we were told that this cost could total up to £500 per person depending on what changes needed to be made. For this reason, we felt as though we were being forced to go to a country wrapped up in terrorism as we simply couldn’t afford to pay amendment charges for 17 people. This was still the case after strongly emphasising our views and concerns as to why we did not want to travel to Tunisia.For this reason we feel that Thomas Cook did not act responsibly and that our health and safety was disregarded. Thomas Cook and the Foreign Office were aware of the high risk of terrorist attacks within Tunisia and still chose to send British tourists over there, resulting in 30 British Citizens losing their lives. Those same people that lost their lives may well have been in my same position, but like us were forced into a holiday they no longer wanted to partake in! I feel nothing but let down by Thomas Cook. They have in no way done us any justice as customers and in fact have robbed me of over £1000 pounds for a 2 day holiday to Tunisia that was cut short due to circumstances out of my control. Had Thomas Cook considered our fears in the first place, we wouldn’t be in the situation that we are in now. Furthermore, Thomas Cook could have given some consideration to the matter and at least offered another holiday for the same price we paid, if they do not want to give us a cash refund. How can they justify not compensating us, yet those people that were not in Tunisia at the time, but had a holiday booked to go there, have been offered a full refund, or a chance to amend their holidays free of charge, due to the Foreign Travel Office advising against travel two weeks after our holiday. Surely if the Foreign Travel Office have deemed Tunisia as too dangerous to visit following the events, then that must justify our decision to return home from our holiday early through fear of our safety!! What I am trying to do, is attract as many people as possible that are currently in the same situation as me. On the day we returned home, there were hundreds of people at the airport that were also returning home early due to fear for their safety. It would be useful if I could round up these people by bringing this issue to media attention, and maybe… just maybe… Thomas COOK (Potentially Defamatory remark edited - SS) will pull their fingers out and refund us our money that they have TAKEN I’m sure Thomas Cook profit by millions each year, so why not offer us compensation when they can clearly afford to do so. If anyone has any advice, or can signpost me to someone or somewhere that can help, please please do so. I refuse to accept this lying down!

Hi there, A while back in June i had a major water leak, basically 50 galls came through the ceiling at a great rate of knots causing significant damage to lounge and bedroom ceiling, subsequently I've had two new ceilings as the old was asbestos (apparently) ..a new boiler and other ongoing internal works.. as we speak. If It were not for that fact i was here at the time of the leak it would have been catastrophic not to mention the flat below, the firemen who attended were none to pleased and reported their findings to the HA as failure to reasonably repair previous damage and works to this property. .. yes the ceiling had been down two years previously.. I've been put out massively, moved my contents in and out of rooms/bedrooms, waiting in needlessly for workmen that don't turn up and been without ceiling x2, no hot water and cold water at various times. My actual expenditure has been 1 meal out due to the flat being uninhabitable literally, and paid for a few boxes i got to store all the clutter that comes with a lifetime, the HA has an online form that i need to fill out, any idea's please, I've lost three days unpaid hols, i definitely think these should be reimbursed. My question is how much compensation should i claim, if any? Thanks