Hi, A few years ago I regrettably took out a payday loan with Wonga. Unable to repay the full amount (after interest had been added) I ended up taking a loan out with Quickquid. Things spiralled out of control until I literally had around 6-7 payday loans on the go at once. It got so bad that I had to join a debt management company (Fresh Start). Now I'm reading that companies are having to pay customers back who have a loan currently with them. What about customers who took loans out with these companies when their affordability checks would have still been in disrepute? I find it extremely unfair that I've had to find a way to pay these companies back and struggle for years, when really I shouldn't have been allowed to take these loans out, to then have it highlighted in the news that companies are paying people back! Do I stand any chance in being paid compensation or do I just have to suck it up and move on? Kind regards

Just a quick question. I currently have a series of complaints against Lloyds being looked at by the FOS. In July I had a letter from Lloyds apologising for not responding to a letter I had sent along with a cheque for £100 by way of compensation. I returned this as it didn't sit comfortably with me to accept. Yesterday they sent another letter returning the cheque I had returned and another apology along with a further cheque for another £100 !!! What are they up to? The letter they enclosed says that it in no way will effect any further claims or the FOS complaint. I could really do with the money but should I accept it. I just don't trust them !

Hi, was hoping for some advice on the best way to try to get some compensation. We had a 'homecare' maintenance agreement with BG for about 5 years, they came out for an initial assesment and have serviced it every year with some additional visits for the odd breakdown (so far so good). On one occasion the engineer stuffed some tissue around the flue exit hole behind the boiler and told my wife 'the next time your husband does some diy with cement, get him to fill that opening in'. We have recently swapped companies and the new company engineer arrived to do an initial boiler inspection. He shut down our boiler and said 'it is too dangerous to use'. The reasons are that the flue is not sealed inside at the exit hole (just behind the boiler where the tissue is), and also not sealed outside the house at the external exit hole. He also told us if the wind is blowing in a certain direction it is possible that the fumes from the flue will blow back into the house. He explained that these could blow back into the cavity wall space and exit in the kids bedrooms (where we have loft conversion storage space). We do have a co2 monitor outside the airing cupboard but he said it may not activate until it's too late. We were horrified at this, a Gas Safe engineer has also been and just sent us his finished report which completely agreed that this is a very dangerous situation. I know BG are not at fault for the installation of the bolier but surely they should have alerted us to this state of affairs at the initial inspection or subsequent service visits. Not sure what the best way forward is, we contacted BG customer care and they assured us someone would get back to us, but that was 2 weeks ago. Any replys greatfully appreciated.

We're renovating our home, but we hit some issues with the supplier of the windows (which cost around £20k). The windows turned up on the agreed delivery date (a Friday) without the fixing materials required to install them. As soon as the order arrived, I notified the company and they sent out the fixing materials, which arrived early Tuesday. As a result of the delay, we incurred the following costs: - £3000 - 3 days downtime for window fitters, as they had nothing to do until the Tuesday - £2000 - emergency repair work to re-weather property where the windows were due to be installed (severe weather was due the next day). From what I understand, I am entitled to claim the above in compensation. Here's one of the articles I've researched: http://www.adviceguide.org.uk/wales/consumer_w/consumer_common_problems_with_products_e/consumer_problems_with_delivery_e/delays_in_deliveries.htm The key passage: The extra outlays has meant we now cannot afford to complete the renovation work. I believe I am entitled to compensation. Indeed, we've already received £1500 from the window company because they changed the delivery date with one week to go (we still had to pay the window fitters wage for that period). It gets really complicated, however. The window company contest that the fixing materials were never included. Indeed, on the final quotation it clearly states they weren't included. However, on the actual confirmation of the order (a later document), it states (with emphasis) that they are included. I also rung up to check and was given verbal confirmation that they were included. Their final position is that the order confirmation was a mistake and earlier documents stated they weren't included - they also have no record of the phone call. My position is that I was told both verbally and on the order confirmation we were due delivery of the items and this should have precedence over the earlier correspondence. Just to clarify events: We receive the final quote, stating fixing materials aren't included We receive the order confirmation, stating the fixing materials are included. I am given confirmation on the phone the fixing materials are included when asked. I have two questions: Am I actually entitled to compensation for the late delivery of the items? Do I have a case for compensation? Thanks for your time! It's not a great position to be in. I've self-built a lot of the house and am now unable to complete because of this.

Now you can sue over flight delays: Landmark ruling will mean payouts for hold-ups over 3 hours Families who have their holidays ruined by long flight delays will at last be able to claim compensation. A landmark ruling has opened the floodgates for hundreds of thousands of claims, and could cost airlines millions. It demonstrated that Britons have the right to compensation of up to £480, plus expenses, for hold-ups longer than three hours. Last October the European Court of Justice ruled that delays caused by airline failures, such as technical faults or a lack of flight crew, merited compensation. This week a judge in Staffordshire implemented that decision for the first time. He awarded a former teacher and his wife £680, after their flight home from Tenerife with Thomas Cook was delayed by 22 hours. The decision is a major reversal for airlines, and consumer groups say it will ensure they treat travellers more fairly in future. Historically, critics say, the firms have rejected most claims as a matter of course. Airlines will still be able to deny payouts where delays are outside their control, such as during bad weather or strikes. But, in theory, travellers can now claim compensation for flight delays dating back to 2005. More than 200million passengers use UK airports each year. Crude estimates suggest that two million of these are delayed for more than three hours, with at least 400,000 eligible for compensation. The Staffordshire case relates to Jeff and Joyce Halsall, from Kidsgrove, who took Thomas Cook to court in 2009. A judge initially rejected the claim after the holiday company, which runs its own airline, said the delay was due to an ‘exceptional circumstance’ beyond its control. In fact, the flight, on October 31, 2009, was delayed by a mechanical fault. Mr Halsall, 58, appealed against the decision after learning of the European legislation, which allows people to claim between £200 and £480 if they are delayed for more than three hours. On Monday the couple won the case. A judge at Stoke-on-Trent County Court awarded 800 euros (£680) in compensation and expenses incurred in pursuing the legal action. Read more: http://www.dailymail.co.uk/news/article-2270725/Now-sue-flight-delays-Landmark-ruling-mean-payouts-hold-ups-3-hours.html#ixzz2Ktvq8nql

Hi all Was just after some advice about a situation I have found myself in with my new flat. Around a week before I was due to move in I was informed that for the first week of the tenancy there would be no water supply due to a mix up with dates between the council and the water company as to when the pavement / road could be dug up to allow connection. I was due to move in to the flat on the 28th June, and the water was to be connected on 6th July. I was offered and accepted a fixed sum in compensation which covered that weeks rent and a little extra, this is to be in the form of a rent reduction for month two. I arranged to stay at a hotel for a few nights and spent a couple of nights with friends. There are also two other flats in the same development in the same position. Now the 6th has been and gone and I still have no water supply. I have been in daily contact with the managing agents who are firmly pinning blame on the water company (Affinity Water) who apparently are having trouble locating where to connect the flats to the water main! They are now saying they need to make a bigger excavation and to do so they need permission from some authority or other. To me this sounds like it could take a while, and in the meantime I'm having to use toilet facilities in a local shopping centre and take showers at work. Plus, of course, I can't prepare any food at home so I'm having to eat out. If this drags on I will have to arrange to stay with friends again. The managing agent is full of apologies but doesn't seem forthcoming with any further compensation and when I mention it just says she'll contact the landlord and get back to me. My question is... am I entitled to further compensation as the no water situation has extended beyond the initial agreed period? If so, what level of compensation should I be seeking? Just a rebate on the rent, or perhaps a little more for inconvenience? Surely I shouldn't have to be paying rent on a flat that is essentially not habitable? Any input would be gratefully received. Ben

Have been following the Durkin case, and now have a query: In 2006-2008 HSBC applied excessive bank charges after DWP stopped my DLA payment (in error) but later paid the arrears. I had been very ill and the local branch had said they would be sympathetic as it was not my fault. Charges were inflated to £1315 and although I requested a review as a priority case they started putting DCAs in touch (four of them in all). Eventually I got fed up and issued a MoneyClaimOnline, last month, and have now filed Judgment. The last of the four DCAs also registered the "debt" with CRAs, so I sued them jointly. They however sent the file back to HSBC and therefore I cancelled my claim against the DCA, and asked them to remove the CRA entry as they had surrendered the matter. They haven't removed it, and it is now the only remaining "debt" on CRA files for me. My credit score is low and quotes the debt as a factor. Is there any guidance somewhere on quantifying compensation in this situation?

Hi This is my first time so please be kind! In June 2012 I had an accident at work, injuring my shoulder whilst lifting steel beams off a lorry which my Manager demanded was done when we are not normally allowed to manually lift. I have been off work since then. Initially I was paid under my companies sick scheme then SSP for the first 5 months. After attending an Occupational Health Assessment arranged by my employer who advised that I would need an operation which would take sometime on the NHS and them 3 months recovery, and the threat of making a claim against them; the HR Director decided that I should be paid basic pay and they kindly gave me Private Health Insurance. To cut a long story short the operation in April 2013 didn't work. My pay was stopped in May 2013 and I was dismissed for medical incapability in Sept 2013, thus taking away access to my health care! I have had another operation in Feb 2014 through the NHS but this too has failed. My consultant has now advised that no other treatment is advisable and to wait 18-24 months to see how it gets on. This could potentially take my time off work to 4 years (3 unpaid). I started a no win No Fee claim after they stopped my pay and it has been going for some 14 months. Things are currently held up by the Doctor who assesses for the courts, but it seems he is having difficulty in linking my accident to my medical condition from my records, so am extremely stressed and am awaiting an MR Athrogram at his request! My solicitor is rather reluctant to give out much information, but I am enquiring as my ex employer has admitted liability what is the likelihood of actually claiming for the suggested extra 2 years on top of the year I have already lost out on? Also if this continues to be a much longer or permanent condition, when or how do you calculate loss of wages etc? Any advice or info much appreciated!

Hi Everyone, I am new so please forgive me if I am posting in the wrong area, I have been getting lots of fantastic Information from you guys that has really helped me claim some of my PPI So thankyou so much, However please could I ask if someone could help me work out PPI compensation on a loan, I am sending a 21 day letter to DAF and need to know exactly what I can claim here is some info: took loan in 1 Sept 2002 (first Payment October 1st 2002) until last payment 3 July 2005 whole amount of PPI as per agreement was £1446.49 plus 26.5% APR but I made only 31 payments as I gave the car back. I need to know how much compensation I should go for my figures are: £1181.55 plus £549.21 = £1730.76 Compensation, this is how I got to this £934.03 PPI 26.5% interest plus = £1181.55 then £1181.55 divided by 31 months =£38.11 per monthly £38.11 x 2/300= 0.25p for the 8% Grand Total £1730.76 Is this correct? If some could help me I would be eternally grateful Thanks in advance

Hi, I have a problem with my left foot which is being investigated by my Doctor, I have to have x-rays to establish if I have a Fracture or another problem. My doctor has not signed me off work and I have told my employer that I can drive or walk fine, however my employer has decided that I am sick and unable to work until I can prove otherwise. They have told me I'm to stay off sick but this is something which I really cannot do as I don't get sick pay and have a family to support. Where do I stand with this? Can they determine I'm unfit for work even though I've seen a Doctor and he didn't think it necessary to sign me off, or are they making their own rules up and have no right to insist I stay off sick? All this was decided by my manager last night at 6pm so it was too late for me to speak to HR or get back to the Docs for a fit for work certificate and as I'm due to work today I'm already missing out on a days pay. Thanks for any advise

hi My husband had an accident in dec 2009. The medical expert say my husband would of became disabled after 1 year regardless of his accident so my husbands accident claim was just for one year which was december 2009 until december 2010. He has been given loss of earnings for that period only plus the other compansation parts from expenses, mobility etc covered one year only. We were happy with that and the DWP only wanted the benefits paid to him in that year period which was dla from sep 10 - dec 10, and Industrial injuries from july 2010-dec 2010. They didnt want any esa back as that wasnt claimed until Feb 2011. However just before the claim was settled while we were exchanging offers a week before court the CRU came back and said they wanted the IIDB back from July 10 until October 2013. I argued this with the solicitor but was told it would be paid regardless and we would have to try and claim it back ourselves from the DWP as court date was looming. I thought that would be ok so once everything was settled i sent a letter explaining that as my husband was entitled to full ESA for the dates and the IIDB was taken out that i found it unfair that the IIDB could be taken back but rather it should of been offset by the ESA we would then be underpaid. I also explained that my husband had not been compensated for 2011, 2012 and 2013 so we shouldnt of had to pay benefits back from this time. I dont seem to be getting anywhere. Am i right in the way i am thinking? thanks

Hi All Not sure if this is the right place. My son was assaulted last May in an unprovoked attack which resulted in him losing one of his front teeth and having to have root canal treatment to the other. The lad responsible was caught and subsequently convicted of assault. My son was advised by the police to apply to CICA for compensation as not only did he have significant damage to his teeth resulting in almost 12 months of dental treatment, but it also meant him having to have time off college at a crucial time in his course. Although the treatment is now complete, he can't now eat hard foods like apples as it is uncomfortable. He also ended up splitting with his girlfriend as he was struggling to come to terms with what happened and hated the way he looked. He has just received his award which is the minimum of £1000. Is it worth us appealing against the decision? £1000 seems a small amount to get for the pain and suffering he has been caused over the past 12 months and the fact that he will have problems with his teeth from now on. Or should we just accept the award and be grateful that he got something? Does anyone know how successful appeals are and whether it's worth it? Thanks for reading.

Please does anyone have an experience of claiming compensation for breach of data protection act? My insurance company sent me a letter claiming a staff of theirs sold my accident details to injury lawyers. I WENT through a hard times in the hand of the lawyers. Can I therefore claim for compensation from my insurance company for distress? Thanks

hi i am trying to claim compensation from my landlord, let me tell you a version of my story, i was renting a room in a four bedroom house last six months. all that days my landlord always threatening and harassing me like when the rent is due two days before he start asking until i pay the rent and i never paid late always pay before time. not only this issue when i took the room he said all bills included but after three months he sent a text saying now the rent is not included all the bills and he put the room heater in timing mode only three hours in a day. like this he did many stuff. finally i decided to leave the house the main reason for this is i normally pay rent every 29 of month but in February there is only 28 then i thought pay him next day but he ask me to pay 28 and that day he enter my room and took all my stuff away and i called the police and police get me all my stuff back and in front of police we made agreement that i am leaving the house by 29th march but today 26th of march he enter my room and physically move myself from the house as i paid him a rent until 29th march and he having my bond £200 i really want to claim a compensation for my sufferings because of him and one more thing i have a video that he is threatening me Can anyone advise me what I should do next ?

This is quite a story Think it best if I do it in bullet points Sorry for the long post... Been supplied with Electric by Npower since 05/07/.08 Always paid up on Direct Debit Always had large bill Sept 2013 Bill was so huge they wanted a monthly duel fuel sum of £274 Sept 2013 Asked if Meter was wrong the y said very unlikely Oct 2013 spoke to energy Advisor and kept daily records of consumption using more at night than daytime!! They kept saying that cost £90 to do a meter check (trying to dissuade me) but decide to go ahead. Guy comes twice to install a check meter but cant due to a black circuit breaker. Meter is housed in box outside and in January 2014 display disappears. On third visit meter deemed broken and new one ordered. New Meter installed and I monitor it only using 9- 12 units a day. N power after struggle agree to pay refund of over metered amount will total £2000+ My online account all bill prior to 2012 deleted although I have some going back to 2009 on computer Complete mess of online account as repeatedly recalculated Special bill of £700 paid by me in 2009 as we had high bill. I just paid it although needed to go to family for financial help I am disabled with many health problems and paying my energy bill has always been a struggle Should I get compensation for worry stress and suffering from N power in addition to my refund??? The excess consumption should trigger a flag system on the computers so any large consumption for size of property can be evaluated and also vulnerabilities of customers should be flagged. Advice please should I take this all the way to the ombudsman? that will make a refund on the electric and I will accept that but I really think they need to be brought to book over this.

Hi I am wondering if someone could advise me how to work out a suitable figure from Citibank regarding an old credit Egg card started in 2003. This is not PPI. This involves Egg and Citibank incorrectly reporting on credit file for years an incorrect number of Egg Accounts. I only ever had one and they reported 3x all commencing in 2003. This incorrect information was not removed until 2012. They have asked me to provide a figure. Thank you

Dear forum members, I registered recently to this forum, I was browsing it for a totally different reason but I read an issue that someone has had with the Monarch airline http://www.consumeractiongroup.co.uk/forum/showthread.php?404211-Monarch-flight-delay-claim-are-they-stalling-(1-Viewing)-nbsp, in that thread I mentioned the issue I have had with Easyjet. As promised, I am putting here the details of the issue and the output. I am putting all the data together so it can help other people to deal with a similar claim better than me (even if we managed to get the compensation). And because it could in fact allow passengers from the same flight request a compensation, I have included the flight details. Case summary: On 8th May 2012, our flight 5270 from Venice, Italy to London, UK operated by EasyJet (duration 2 hours) was delayed of 14 hours. On that day, EasyJet was operating 2 flights from/to the same cities, 12:00 and 21:40. The aircraft used for the first flight suffered some technical issue which delayed the first flight. They chose to use our aircraft for the first flight (this was explained by the airport staff) and ... they let us down (flight cancelled at 00:40). We got a replacement flight for the following day (which was delayed of 1h30) but at the end we reached UK after a 3 hours night and 14 hours late. Case details: Attached Link is a copy of the letter I sent to the Telegraph, called "The Easyjet experience". I. Complaints to the airline: I wrote to the EasyJet customer service 4 times. I requested a 500 EUR compensation (250 EUR per passenger), as per European regulation only. They denied that they had to pay any compensation, and included responses which directly deny the regulation's content. My own response was that the law is clear, that they were disgusting, that a low cost company is low cost because they give you a 1 cm space for your legs and not because the law doesn’t apply to them, and therefore I seeked legal action. II. Complaint sent to UK Consummer centre, UK Civil Aviation, Italian Aviation and Italian National enforcement body: Dear Sir or Madam, We are seeking your help as a result of a dispute with the Easyjet airline. We are contacting you directly as advised by the UK European Consumer Centre today. We had also used the information explained on your website to complain to the company’s customer service. On 8th May 2012, our flight for 2 people from Venice to London, operated by Easyjet, was cancelled and our arrival to destination delayed of 14 hours. Not only it impacted our professional activities, but the behaviour of the company was incredibly awful. Full flight details are: number 5270, Venice Marco Polo to London Gatwick, departure 8th May 2012 at 21:40. Airline booking reference: xxx. We recorded a complaint directly to the company’s customer service on 15th May, describing the facts as they are. I have attached all correspondence with the company (you will find the first complaint in complaint.pdf), but as a summary the facts are as follows: - The flight suffered a overall delay of 14 hours; - The company used our flight’s aircraft for another flight - this was confirmed by the airport staff onsite; - The flight was cancelled almost 3 hours after the flight time; - The company moved the flight to the following day at 10:05; - The company didn’t provide any subsistence to passengers at the airport, including elderly or children; - The company wasn’t able to provide accommodation for the passengers until 3.45 AM (this is the time of our arrival to the hotel), and the passengers had to manage themselves their transfer to the hotel, outside of the airport; - The flight re-scheduled for 10:05 the next day took off at 11:45. As per European law, the company is supposed to at least pay us a compensation of 250 EUR per passenger (so, 500 EUR in our case). Indeed: - The flight was operated under EU regulations, - The flight was cancelled (please also see flightstats.co.uk), - The arrival delay was (far!) more than 3 hours, - The problem occurred because our aircraft was used for another flight, as confirmed by the airport staff itself, and therefore the delay is totally the airline’s fault. No exceptional circumstances applied to our flight, since no weather condition, no industrial action, no safety issue or air traffic justified that the company used our plane for another of their flight. However since then, the employee from the company’s customer service has constantly refused to recognize the facts. And the only response we have had is that there seems to be a lack of training of the company’s staff, and that "the company may consider issuing a refund for the meal/refreshment upon receiving the receipts as a gesture of goodwill.". Is your organization able to help us ? Kind regards, All these official bodies confirmed that we were entitled to a compensation as per the European regulation. However, after 7 months we had not received any output. The UK Civil Aviation chased the Italian bodies a number of times. It seems that my complaint was not processed at all, as they re-accepted the complaint and issued another confirmation. A few weeks ago however, I received from the Italian enforcement body a dubious copy of letter explaining that they had been in touch with the airline, and based on the airline’s data, our complaint was not successful. I honestly doubt that such exchange with the airline has ever happened. III. Advice requested to Mrs Charlton from The Telegraph. Question: See copy of letter above Response: Mrs Charlton advised to simply sue Easyjet in the court, based on the airline’s notoriety. IV. Court claim presented from a specialised lawyers group. We submitted the case details to these specialised solicitors, including all flight details, airline's responses and exchanges with CAA. They validated the claim. They tried to get in touch with Easyjet but no response was received. Therefore the lawyer moved to the next step. Easyjet recognised they owed the money and preferred to settle the claim. They however pretended to have already contacted us and sent a cheque, which obviously wasn't true. They said they would resend a cheque, but we never received it. Therefore the lawyer moved to the next step, i.e. pre-action disclosure and court proceedings pursuant to Article 7 of EC Regulation 261/2004. The company preferred to settle the claim. They were given 42 days to pay the compensation. The compensation has now been paid. It seems that the airline has tried to avoid contact with the court. I believe this is for 4 reasons: first, to avoid claimable interests based on a delay of payment of around 18 months; secondly, to try to avoid additional court fees that they would have to return; third, to avoid an extended claim by not taking only the European regulation into account; finally, to avoid the case being recorded as successful in the lawyers's database which means more passengers will be aware. I can only say that Easyjet will have been disgusting until the end. Best regards

Hello,I'm hoping I can get some insight on my current situation with my Local AuthorityI've been a Council tenant since 2006 (my agreement is secured) - the property is a house flat; I'm on the ground with a tenant above and below meIn Oct 2008 on returning from work my living room had sprung a leak from the drop down/ boxed in area of the ceiling - was reported to the repairs team, plumbers & surveyors came out took a look and I was told it was fixed.In Oct 2012 again on returning home from work the leak had happened again and again plumbers and surveyors came outThe Council had said that the cause was the tenants washing machine upstairs not connected properly and the plumber rectified the leak upstairs/ flushed out the pipesIn a series of letters back & forth mainly with my concern that the same place had leaked twice I enquired as to how they fixed it the 1st time (2008) and how they've gone about fixing it this time round. They were and have been very reluctant to open the drop down ceiling box where the water penetrated. Saying it was not necessaryAt one point they said that the leak was caused by the front canopy roof - that was not the case on my investigation as the front canopy roof covered the bay front window onlyIn the end I done a Subject Access Request (Data Protection) and a Freedom Of Information request to see what info is held in regards to all repairs on the flatMy paperwork received showed that their internal systems contradicted what I was in fact told about the repair of the leak. There was no actual evidence or a logging of a repair job to stipulate that the leak source was found and remedied. I actually found a job logged saying 'source of leak unknown'I believe that 1. The Council is stalling on fully carrying out the repairs to the property (due to possibly cost and inconvenience)2. That the 2008 issue was in fact never remedied and instead left open to abuse as so it leaked again 2013. They had not even patched up the ceiling from the 2008 leakThey have continued in letters to refuse and acknowledge any wrong doing instead repeating that I was told 'X,Y & Z' by the Housing Repair teamI mistakenly wrote a 'letter before court action' documenting everything from 2008 till this year (when they finally repaired the ceiling Feb 2013) showing all evidence collated that what they have presented to me is in fact falseHaving re-read the Councils Complaints Guide I am within my right to ask the Chief Exec to investigate - thing is do I initiate Stage 3? As the Council have always kept my letters at Stage 2 and where its carried over from Oct 2012 to now. They still insist in calling the letters 'Stage 2 - Follow On'. As if to prevent me from taking it furtherAn idea of mine was to Subject Access Request or/ and F.O.I the external contractors used - KIERS, as they submit the work back to the Council on inspection and the Council gives it the OK or not. I am convinced that there is a job that the Council refused Kiers to undertakeMy help needed there is to what is the best question to ask so that I fully cover myself as there is a £10 charge I want to ensure that I get it rightI have a catalogue of evidence/ information collected - photo's 2008 & 2012, video taken of the water cleanup (2013), video footage taken when it leaked again and a list of missed appointments which cost me wagesAll help is much appreciatedRobin

Hi I had an accident at work in 2011, 3 weeks later my contract came to an end and after recovery of sorts i applied for JSA income based and was given it. I then started a compensation claim which is still ongoing. The jcp advisor at the time said i should claim IIDB which i did and was granted it at 60%, this payment was taken from my JSA, which is fine.now i have received a part 36 offer and a certificate to say the IIDB must be repaid, but i really cant see why ? If i had not claimed IIDB my income based JSA would have remained the same amount in full. So if i have to pay the IIDB part back will the DWP pay me back the JSA they have taken to make it level again, or it means i will have paid the CRU twice so confused original income based JSA was £103.60 per week (i have a disability and age element) after claim for IIDB my payment was separated to £80.80 IIDB and £22.80 JSA advisor told me only last week that if my IIDB stops then my JSA goes back to 103.60 so if the CRU takes back the IIDB will i have lost all that money because it was due to be paid anyway without IIDB please unravel my brain

Hi Im looking for some advice. My husband had an accident in December 2009. The accident was at work so he claimed industrial injuries disablement benefit. He was also in receipt of DLA and ESA. The claim is coming to a settlement at last however the medical expert has said my husband would of became disabled anyway but the accident accelerated this by 12 months. The DWP has asked for benefits back for the first 12 months only apart from the IIDB which they want back in full upto settlement date. The ESA doesnt need to be paid back at all as he started getting that after the 12 months. Now this is where my query is. As its income based ESA the amount we got for IIDB was deducted from the ESA automatically basically making us no better off by claiming. Now my question is would we be able to claim back the ESA under payment once the IIDB has been paid back as it doesnt seem right that we have lost out. many thanks

Hi everyone - first post - asking for help (isn't that normally the way eh?!) Recently moved into a new build property, bought from a large developer which was obviously already connected to the grid. Suffered with a rather serious electrical fault. Assuming it was the in house wiring, we got the contractors out that wired the house up but they found no fault. Upon further investigation, they found that there was a problem with the incoming supply. The house had 'lost neutral'. This turns out to be quite an extreme problem as I found out. We have a few appliances that are now fried, and I also suffered an electric shock. Nothing too major (no burns showing), but a trip to A&E was needed. We haven't had an official explanation yet. The engineer that came out to fix assumed a break in the cable somewhere between my meter and where it 'T's' onto the main supply. This was incorrect. A bit of fiddling in the white box outside and he managed to fix it. I asked the engineer what was wrong, and he said "it was something very simple, I'm quite embarrassed, I can't tell you what the problem was" and he quickly got his team together and left! We are left assuming that someone hadn't tightened the Neutral terminal screw under one of there locked covers. A simple, but incredibly dangerous mistake - as I found out! Was wondering what kind of action I could expect Scottish Power to take? Is this something I should sort out directly with SP, or should I be going straight to my solicitor? Many thanks in advance, Matt

Good morning! In 1977 (yes, I said it was old!), my parents invested money that had been left to my sister and myself by our grandfather (his entire estate other than his house, bless him). They decided to put it into what my mother said were "agricultural bonds". Over the years, up to 1989, every now and then we were able to take out small amounts, and I remember one of these paying for a school trip, in particular. In 1989, I got engaged, and was very happy with the fact that I had Granddad's money to help me make a decent start to married life, namely on the property ladder. It was agreed, therefore, that the investment as a whole would be reviewed, and my share taken out in its entirety, to give me a deposit for a home. The initial investment had been £6000 each for my sister and me. Imagine my parents' horror, therefore, when they were told that all that was left to share between us was £2,300. Of course they had always understood that such investments can go up and down, but this seemed rather extreme, and they had had no advice that things weren't looking good, would they like to review the arrangements. It would have been better, ultimately, if they'd just put it all in a building society. At least we would still have had the initial amount. If I could find out the company via which they invested this money, would there still be a chance that we could seek some sort of compensation? I know it's also a long time since 1989, when the shortfall became known, but I don't think my parents even thought of doing anything other than writing to the Daily Mail's "Money Mail"! It's always made me feel really angry that it was just left as "one of those things", with my parents feeling very guilty that they'd made a bad investment, when in fact it might not have been down to them at all. Any thoughts on this would be really interesting! Thank you!

Hello, After getting a ‘dream job’ near my home, and hating to travel to/from work on my time, on my second day at work my employer told me they are moving me. I took this job because it was near my home. I wouldn't have taken it had they been honest and told me they were planning on moving me (they had known, they just didn't know where at the time). I took the job knowing there would be travel required to go to meetings. They pay for miles and allow for travel time for any of these meetings. They said my base is remaining as it is, but that I am expected to work four days a week at this new location ten miles away (travel is on a very congested road). They will pay me the miles but will not allow for the travel time. This is what the employment documents say about this: Person Specification document (on Job Advert): The post holder may be required to work at any establishment at any time throughout the duration of his/her contract, normally within the location of COMPANY. In Interview: It was not mentioned. On Offer letter: It was not mentioned. On Contract: Schedule 1-8: Base: Listed as my current base, near my home. Schedule 2: Your base is as detailed in Schedule 1 Section 8 2.1 However, you may be requested from time to time, to work at any of the Team’s premises although individual circumstances will be taken into account before such a request is made and such a change will not be made without due consideration. 2.2 Where the Team requires that your base is changed on a permanent basis and such a change requires a significantly greater amount of travel, or relocation to another area, then such a variation will not be made without due consultation. 2.3 Any costs incurred will be reimbursed in line with the COMPANY Terms and Conditions of Service. COMPANY T&C of Service: The Terms and Conditions of Service document refers to the repayment of mileage, it never mentions allowing for travel time. Questions: 1) Do I have the expectation of taking my additional travel time out of my work time per day a. If my official base remains at the original location? b. If my base is moved to the new location? c. Could they move me to a new official base if the offices are not theirs, not rented by them, but solely provided by the client? 2) If my base remains at the original location, and I should be allowed the travel time and take it, if they react by officially changing my base simply as a response, are they allowed to do this? Note: My employer has said that they are moving me as a trial for a few months and have no idea whether or not they will be keeping me there, moving me elsewhere, or moving me back to the original base. I phone the government’s employment contract service, and they said (I noticed they will not put anything in writing) that if my base doesn't change, and I am asked to work at another location, I must be allowed travel time. Thank you very much for your time! Sciamo

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Hi all this is my first post. I have a question on compensation for a default placed on my credit record from Cabot financial. Background. Cabot financial placed a default on my credit file for some Barclaycard account that was not mine. I pulled them up in 2011 and they said they would provide information so I could go to police and report fraud but refused to remove default. Emails went back and fore and basically they told so many lies, refused to stop using my information added interest placed nasty search information and increased amount owed but still would not provide information on this account. 20 months later after many emails finally get a letter and cheque out of the blue letter states . Please find enclosed a cheque for £100.00 as compensation in recognition of your complaint. I trust my response is sufficient to conclude this matter however once again may I take this opportunity to further apologise for any inconvenience this may have caused. Yours Sincerely The guys name Customer assurance adviser. This boiled my blood, £100 for 20 months of no credit company looking at me, no rented house applications and no job promotion (work in finance). What I ask you kind guys is where do I go from here for real compensation (I live in Scotland so am governed by Scottish law). Thank you in advance for your input. Paul