Credit reference agencies have warned that late payment of bills can make it more difficult and more expensive for consumers to borrow money in the future and that people will have to be able to prove any payment problems were caused by the banking glitch. James Jones, head of consumer affairs at Experian, said: “It is perhaps yet to sink into the public, the potential ramifications in terms of adverse data about repayments. “If any payments are delayed, you really need to have a conversation with those creditors.". “Many organisations now share data. It’s not just traditional lenders but mobile phone companies, utilities, broadband providers, mortgages, hire purchase agreements.” Mr Jones added that lenders should allow seven to 10 days before recording a late payment. Meanwhile, Neil Munroe, executive director of Equifax, said the agency was anticipating “more disputes” about missed and late payments. Experian can be contacted on 0844 481 8000 0844 481 8000 or at experian.co.uk Equifax can be contacted on 0844 335 0550 0844 335 0550 or at equifax.co.uk Callcredit can be contacted on 0845 366 0071 0845 366 0071 or at callcredit.co.uk Make a list and keep receipts The Financial Ombudsman Service (fos) has warned that the knock-on effects from the computer meltdown could take some time to rectify. FOS spokesman David Cresswell said there would be a “ripple effect from the original problems”. He urged consumers to keep a detailed record of all their transactions, including receipts, late payment penalties and overdraft fees. “What you need to do is make a clear list of how you have been affected, so you can go back to your bank and say: ‘This is the complete picture, how can you help?” he said. How to complain to the Financial Ombudsman The FOS advises that complaints should be made first of all to the bank or company concerned. They have eight weeks to look at the problem. The FOS can contact the business on the customer’s behalf. It added that it may be able to provide compensation to some consumers if the bank is unable to resolve all disputes on its own. The Ombudsman can be contacted on 0800 023 4567 0800 023 4567 or at financial-ombudsman.org.uk. Beware of e-mail [problem]s Many of the NatWest, RBS and Ulster Bank customers affected have reportedly been targeted by fraudsters following the banking calamity. According to the Government’s Action Fraud centre, phishing e-mails are in circulation, claiming to be “security upgrades” and asking people for their account details. People are being urged not to click on any links or attachments in suspicious-looking e-mails. The RBS Group said it would never contact anyone in this way to ask confidential details. Bank contact details Customers experiencing problems can contact RBS and NatWest on: 0161 931 9959 0161 931 9959 0800 656 9639 0800 656 9639 0845 777 7766 0845 777 7766 If you’re calling from overseas the numbers are: NatWest +44 (0) 8705 88444 +44 (0) 8705 88444 +44 (0) 8705 88444 +44 (0) 8705 88444 RBS +44 (0) 13154 98888 +44 (0) 13154 98888 +44 (0) 13154 98888 +44 (0) 13154 98888 Ulster Bank customers can cal: l Republic of Ireland 1800 205100 Northern Ireland 0800 231232 0800 231232. Remember you demand that your credit file is cleansed of ALL entries. If you found a late payment on your credit report, take it up with the lender and if they refused to remove it, you could of course add a statement to your report (called a notice of correction) to make sure anyone using the data in the future is fully aware of the circumstances. .

Credit reference agencies have warned that late payment of bills can make it more difficult and more expensive for consumers to borrow money in the future and that people will have to be able to prove any payment problems were caused by the banking glitch. James Jones, head of consumer affairs at Experian, said: “It is perhaps yet to sink into the public, the potential ramifications in terms of adverse data about repayments. “If any payments are delayed, you really need to have a conversation with those creditors.". “Many organisations now share data. It’s not just traditional lenders but mobile phone companies, utilities, broadband providers, mortgages, hire purchase agreements.” Mr Jones added that lenders should allow seven to 10 days before recording a late payment. Meanwhile, Neil Munroe, executive director of Equifax, said the agency was anticipating “more disputes” about missed and late payments. Experian can be contacted on 0844 481 8000 or at experian.co.uk Equifax can be contacted on 0844 335 0550 or at equifax.co.uk Callcredit can be contacted on 0845 366 0071 or at callcredit.co.uk Make a list and keep receipts The Financial Ombudsman Service (fos) has warned that the knock-on effects from the computer meltdown could take some time to rectify. FOS spokesman David Cresswell said there would be a “ripple effect from the original problems”. He urged consumers to keep a detailed record of all their transactions, including receipts, late payment penalties and overdraft fees. “What you need to do is make a clear list of how you have been affected, so you can go back to your bank and say: ‘This is the complete picture, how can you help?” he said. How to complain to the Financial Ombudsman The FOS advises that complaints should be made first of all to the bank or company concerned. They have eight weeks to look at the problem. The FOS can contact the business on the customer’s behalf. It added that it may be able to provide compensation to some consumers if the bank is unable to resolve all disputes on its own. The Ombudsman can be contacted on 0800 023 4567 0800 023 4567 or at financial-ombudsman.org.uk. Beware of e-mail [problem]s Many of the Natwest, RBS and Ulster Bank customers affected have reportedly been targeted by fraudsters following the banking calamity. According to the Government’s Action Fraud centre, phishing e-mails are in circulation, claiming to be “security upgrades” and asking people for their account details. People are being urged not to click on any links or attachments in suspicious-looking e-mails. The RBS Group said it would never contact anyone in this way to ask confidential details. Bank contact details Customers experiencing problems can contact RBS and NatWest on: 0161 931 9959 0800 656 9639 0845 777 7766 If you’re calling from overseas the numbers are: NatWest +44 (0) 8705 88444 RBS +44 (0) 13154 98888 Ulster Bank customers can cal: l Republic of Ireland 1800 205100 Northern Ireland 0800 231232 0800 231232. Rememeber you demand that your credit file is cleansed of ALL entries. If you found a late payment on your credit report, take it up with the lender and if they refused to remove it, you could of course add a statement to your report (called a notice of correction) to make sure anyone using the data in the future is fully aware of the circumstances.

Just very recently got the dreaded letter from Halifax. I know it's been in the news but it must have got under my radar so the letter came as a mighty shock. Been away a while so I have less than three weeks to sort something. I have written to Halifax explaining pretty much what is recomended by the contributors on these various theads and explaining that in an ideal world I'd like their insurance to carry on so my dog would be covered for its existing problems. Assuming this isn't going to happen them I need to consider the "compensation" route if it comes to it. How do I calculate compensation? My dog Ellie is a rescue Rottie x Lab. Between the ages of about twelve months and thirty months she suffered kennel cough (never recurred), catarract in one eye (operated on twice and not recurred), pancreatitis (treated and never recurred) and mega oesophagus (treated and never recurred). Age about four years she was rushed into the RVC where she was diagnosed with pneumonia and almost died. She is now five and still going strong. She is on long term steroid treatment; not ideal but she is alive. Are all or none of these ailments going to recur and how long is she likely to live? This is why I would prefer the insurance to continue running as opposed to compensation. Compensation would need to cover worst case scenario as her treatment has been expensive so I would need say five years at £6000. Clearly this is over the top (hopefully!). In an ideal world Halifax should lodge this money (and everyone elses) in a compensation fund. If your dog needs treatment for an existing condition then the new insurer should be able to draw on it up to the value you were insured for. £6000 p.a or whatever. As an aside in other threads the 20% "co-insurance" has been mentioned. This clause appeared in my renewal contract last year for dogs of six years and over. Finally I was offered insurance with Petwise in my letter from Halifax. It doesn't cover existing condition cover. It has a limit per condition of £5000 and is about £35 per month (from memory) which is seven pounds more expensive than what I am paying Halifax at the moment. I went to the Petwise website and got a quote and it was about the same as I'm paying now. Halifax have been working hard on this alternative deal - for whose benefit I wonder?

Hi everyone and happy jubilee weekend Sorry if this is in the wrong category, I wasn't sure where to post it. It's really a general court question. I had to attend court twice earlier this year due to my lettings agent claiming I owed 3 months' rent, of which I was trying to prove it was only 1 month's (I had bank statements showing I'd paid). I paid the 1 month I knew I owed, as I was moving house and didn't want a crappy reference - the agent then stopped the claim, as I was due to go back a third time (their solicitor and supposed evidence was a joke so the case kept getting put back). Anyway, I have a shop which I run on my own and so was unable to open whilst I had to attend court. Can I claim compensation and if so does anyone know how I go about this?

We are currently living in a wonderful house, however weather damage caused the conservatory to begin leaking. It was reported in March last year, and on every agent inspection since then (every 3 months). As the year went on, the leak got worse and worse, eventually leading to the laminate floor coming up, and water damage to the electrics - the breakers to the house were tripping an average of 2-3 times every time it rained. When we told the agent that both the light switch and wall mounted induction heater were drenched, and that the light fitting had filled 3/4 with water, along with 1/2 an inch of water on the floor, they sent electricians out to disconnect the conservatory from the mains - the breakers tripping had resulted in the loss of a freezer full of food, on the lead up to Xmas To add insult to injury, wind damage destroyed part of the fencing to the back garden, leaving it inaccessible from the outside. The conservatory was used at night to house our dog, but recent weather has left her water bowl frozen - the conservatory is the same temperature as outside. This in turn has resulted in the temperature in the kitchen dropping, rendering it ususable for my partner & baby unless the hob is running. And since the kitchen leads directly onto the stairs to the 2nd floor, the temperature throughout the entire house has dropped to the point where the thermostat for the central heating is having to be set at 25 degrees to maintain any sort of comfort. In the meantime, the agency has sent out builders who have in all fairness attempted to rectify the problem, however with it being so long term, water has been blown into the cavity, and can be seen leaking out through pointing during rain. We are at the end of our tether with this, since as far as we are concerned, we are paying a high price for a home which is partly unusable. The garden (and view) - one of the main selling points for our decision to rent is inaccessible, and the conservatory (another of the main selling points) is unusable - water damage has now started to effect our furniture in there as well. We have discussed all the above, at length with the agents, and have pointed out that we are paying rent on unusable features - We did say that under the circumstances, a rent reduction until the repairs were complete would be fair - however our agent just keeps repeating the same line over and over. "It can't be repaired until the weather improves", disregarding the fact that the initial problem was reported nearly a year ago, and that no action was taken until 2 months ago. Is there any grounds for compensation/rent reduction - as far as my research has found, the same agency is letting houses of the same size and location for up to £100 a month less than we are paying.

Hi all, Firstly thank you for reading and thank you for any help or assistance you can offer! I've been having a very tough time at work most recently which has lead to depression and me basically wanting to leave...after all my health is more important than my job. its a shame since I've worked for the company for over 3 years...worked my way up from Graduate level to a fairly senior position. Prior to this I loved my job and the company is a well known operates throughtout the UK. Firstly I have had ongoing 'issues' with my boss for some reason he has a dislikely to me...he has only recently started and problems have only occured since his arrival. I have tried to speak with him directly about this but frankly he couldnt care. Since this time he has been almost picking on me and I believe trying to tarnish my personality and character at work. Firstly aquisations were made that meant my suspension from work (this was was dissmissed as there was no evidence backing his claim), 2ndly a written warning against me (as part of initial investigation obnomialies were found) and the management thought it was evidence enough to give me a written warning. Clearly something needs to change and given his seniority above me I believe his word will always be stronger than mine...If I leave would I have a case for compensation against either him or the company?? my ace is a recorded conversation which in a nut-shell paints in a terrible light and has him saying some terrible things to me.. Does anyone have any thoughts?? thank you!

My electricity supplier is nPower though I think that Scottish Hydro are responsible for the infrastructure. Last Thursday, 8th December at 12.50pm, like many in Scotland that day, my electricity supply was cut off by a falling tree caused by the strong winds. The power was not reconnected until 00.55am on Sunday morning, so I was without electricity for 60 hours. Am I entitled to compensation from either nPower or Scottish Hydro or can they claim that it was a force majeure?

Hello everyone, I am new here so please bear with me if I get some of this a bit mixed up. My case against this odious little bank now goes back over 2 years and I am looking for ideas and / or help to take the bank to it's knees - and I have the ability and information to do just that - it's just I feel a little "alone" in my fight and could do with some help. Right - a VERY brief description of the case to date. In October 2008, I was running a number of very successful businesses here in the West Country and, by anyone's standards flourishing. I have been a Lloyds customer for over 12 years at this point and had done many "deals" with them - all of which had been repaid in full and had a platinum credit rating (so far so good - in short, I know what I am doing). In that month, the bank agreed a further £70K cash injection to fulfill orders from one of my companies (from "blue chip" companies I must add). To "cover this" (and the,then total of £135,000 in other loans and the like - all up to date and perfectly serviced), they had over £500K in free equity on 2 of my 7 properties - in short, even they agreed that all was well "geared" and working fine. The new injection was agreed (in front of witnesses) with my business manager and we were told that the funds would be available in the next few days. I should say that I had worked with them on MANY occasions in the past in this way and had had no problems whatsoever. So - ahead we went (based on this) but, after a week, the money was NOT there. I then phoned the bank and asked what was happening and was told not to worry - so I didn't. After 3 weeks, I called the manager back in to find out what the hell was happening and he said "I don't know" (truly useful) - so I said, just let me know the amounts on the accounts and I will get the funds elsewhere (as I then easily could have). Cutting a VERY long story short, after 6 MONTHS of writing, phoning and pleading, these figures were still not produced (and, in fact, were not produced until 2 months ago - over 2 YEARS after being asked for) and one of my businesses had been closed down. During this time, I also tried to raise funds to clear the second charges on the properties (so that I could either sell or actually use the capital I had tied up in them) - but the bank simply IGNORED all requests for details of these charges (details I still do not have to this day). Early on, I wrote to each and every Group Board member and involved Eric Daniels personally (in fact, for 6 months, he was the ONLY person I would deal with - and I did - often), warning them that, as they were now PERSONALLY aware of the situation, that I held them PERSONALLY responsible for any subsequent losses - not one of them even replied!! Sadly, during this time, I also broke my back and, because I no longer had BUPA cover (I could not access my capital because of the bank), by the time the NHS found the new break, it was too late and I am now confined to a wheelchair for life. This would NOT have been the case (according to my spinal surgeon) had I been seen at once. Our situation now is that our credit rating has been destroyed, we still have most of our assets (but cannot sell or use the capital tied up), I am crippled for life and my health has collapsed along with my 20 year marriage. I have had several "without prejudice" meetings with Lloyds and their solicitors (I have had to change my legal team twice now after the bank, locally and without knowledge of head office, have threatened to simply withdraw banking facilities from them if they continue with my case - which is "perverting the course of justice" - a criminal act). Our situation now is that they will accept a lower figure, at terms that are linked to when I sell the properties (it will still leave me sufficient - but .....) or I commence litigation based on Estopell and their clear breach of contract. The Daily Mail have already carried my story (and are keen for part 2) and Channel 5 wish to do a documentary about my treatment. In short, I probably have enough to make the front pages at the very least and do massive damage to the banks public standing (if it has any left) and that of it's ex-chairman and board of directors personally. I have detailed the entire history of all of this (there is MUCH more) and have copies of all letters, meetings and the like (which is more than the bank's solicitors seem to have been given) and am claiming that, not only do they write off anything they believe "owing" (I have explained that I am aware of fractional reserve banking and would ask them to prove their losses if required) but make payment in compensation of £250K for my losses and damages. All of this is all well and good but, as I explained, I am just a bloke, with a lot of "dirt" to dish, the knowledge of how to do it but am sat alone, exhausted and crippled. I could really do with some help here anyone. I have decided to commence litigation shortly BUT - I am not sure that I can actually survive doing it alone - and the bank is relying on this fact (and this fact alone) to prevent me from opening the flood gates of similar claims. To say that I feel vulnerable would be an understatement. Anyone "up" for giving me a hand with this thorny issue? I do hope so. As I said, this is a VERY "potted" history of the case to date - but suffice it to say, I have enough to severely damage the bank and it's employees and clear lack of proper local control - but- well, there is now only me fighting this. Cheers

Hi I have done application for renting a flat in Witney. I have paid reference checking fees initially and after my references are passed, Estate Agent has asked me to pay half rent as a holding deposite. Which I have paid then he comfirm me moving date 1/11/2011 and time 9:00 am via email. So I had handover notice to my current landlord and let him know that I am moving out. Trouble: Day before my Estate Agent has called me to tell that "I will not have flat on 1/11/2011 as landlord informed that the old tenants wants to stay there". I have really tough situation now, as my present flat is no longer available to me because I handover notice. I have to move out on 1/11/2011. I explained Estate agent it is not possible for me to move back from this deal. But he said that new contract is not signed yet and all our conversation done by emails only so I can't have new flat. I have also asked him do temporary arrangement for one month so I can have enough time to find new flat. But estate agent is not agreeing on this as well. Finally, I had started to follow his online complain procedure which is available on Estate agency's website. I have sent him complain email and still waiting for his reply. I need advice asap on this matter from group members about this unfair attitute of estate agent. I can't even sleep as I don't know where can I stay after 1/11/2011. Thanks Dhaval

The DVLA have just cancelled the driving test for my daughter on the day of her test. She was informed that this was due to icy conditions. However she had a 2 hour driving lesson prior to her test which she said there was no ice. So that lesson was a waste. In addition, being a student she only home during the holidays so rearranging will mean a wait until her next holidays and considerable expense to arrange more lessons. In fact, as she had to go to university at the end of last week this trip home was specifically to take the driving test. Are the DVLA (driving test centre) liable to pay compensation for the wasted lessons and the wasted travel? Thanks in advance

I organise events just for fun for myself and friends, I usually do all the travel arrangements for everyone. Twice before I've taken 30 people from London Victoria to Brighton for the day. Last weekend I took 20 people from London to Brighton and booked group tickets a month earlier online with my credit card and chose the option to pick up the tickets from the machines at Victoria Station. On the day I went to the station (approx 50 minutes before train was due to leave) all the machines seemed to be playing up, the first machine I went to had a massive line and everyone seemed to be having problems. When it was my turn the machine only printed my tickets from London to Brighton but seemed to crash before printing out the return tickets, I tried again and no return tickets were being printed. Then tried a different machine it would not print my tickets. I then had to go to the Southern Information Desk at Victoria Station and they also could not print my tickets - the only option they gave me was to pay another £149 for 20 single tickets from Brighton to London and told me to claim it back later. The Staff did not give me any kind of claims form or advise me as to how to go about getting a refund. I've hung on to all my tickets, credit card receipts and even got the staff member to stamp my confirmation email and stamp it with the Southern Rail Stamp to say the machines did not print my tickets and I was forced into paying £149 for 20 single tickets for Brighton to London. What would be the best way to apply for a refund? I rang the Southern Information Number and they said go back to the station to get a refund form - I'd have thought at the very least the form would be online so I could download it. It means making a special journey for me to get a form. That's added wasted time and money. What do people advise as best way to get refund and what kind of compensation can I ask for and whats the best way to get it? I'd be happy with travel vouchers if they were of high enough value to go somewhere other then Brighton. The entire incident ruined the start of my day, what was supposed to be a nice relaxing day at the beach in Brighton turned into a very stressful situation both for myself and the people I was meeting as I was unable to be at the meeting spot in time at the Station as I was rushing back and forth trying to get the tickets sorted out. It also meant I didn't have enough time to buy the food I wanted in the food court so starved for most of the day in Brighton as I couldn't take time off from leading 19 other people around the city.

Following the advice of the promotions for bank visa cards I decided I would use my cards for obtaining cash whilst abroad. My cards were stolen and when I asked Barclays bank to transfer money and or replace cards I was told if I wanted to transfer money abroad I would have to return to my branch and do the transfer from there, (14000 miles and £1200 airfares). They said they could only send replacement cards to my home address not much good if no one is there to send the cards on. I think that the banks attitude was obstructive and insensitive to my situation, (they in effect told me I would have to starve to death in a foreign country). I find their attitude tottally unreasonable particulary as they do not mention in their promotins that if you lose or have cards stolen they will leave you to starve. Barclays had a branch in the city I was in and there was also a visa branch. so I do not understand why a transfer could not have been made. I am now suing Barclays for negligence so any opinions or advice would be very welcome.

Hi everyone, I'm new here, so hopefully I'm posting this in the most relevant section - if not I would be grateful if it could be moved to the best place. Very briefly - I have been the victim of identity fraud with several companies, all of which were easy to resolve except Carphone Warehouse. Two fraudulent mobile accounts were opened online in my name but at an unknown address, one of which resulted in a CCJ against my name. Carphone Warehouse have been totally inadequate in their dealing of this, and only 9 months down the line after a great deal of my time, endless calls and emails and some expensive calls to courts, DCA's, Equifax etc have I finally today got the CCJ removed. I have not been able to get credit since July 2009 when I first discovered something was wrong, which has had an adverse effect both personally and for my business (not being able to re-mortgage, get a loan for house repairs or move house for example). Coupled with the shear incompetence of Carphone Warehouse this has caused an unbelievable amount of stress (definitely not needed as I am 6 mths pregnant). I want to approach CW for a substantial amount of compensation, but want to make sure that I go about it in the best way to maximise the possible payout. I have had a good search of the forums but can't find anything that is quite relevant to my situation. If anyone can point me in the right direction I would be really grateful, and if you need any more info just let me know - above is a very shortened version of events! Many thanks in advance.

Hi, I moved into my flat a year ago and was receiveing post for the previous tenant as you expect when you first move into somewhere. after about 8 or 9 months of returning post, I started opening the letters, the majority of which were from 3 mobile for the previanous tenant. I wrote to 3 (using their pre paid return envelope), and they replied telling me they were sorry for the inconvenience and that their records would be updated to reflect the change, however the bills from 3 kept arriving. Today I have had a letter for the previous tenant from scotcall, a debt collection agency saying they are going to visit the house regarding the debt (even though I know that they are not actually allowed to do this in Scotland - but thats not the point!). I also get alot of phone calls on the house phone from 3 for the previous tenant aswell, even though I keep telling them that she doesnt live here anymore. As you can probably imangine, I am getting pretty sick of this and was wondering if there is any way I can claim compensation from 3/scotcall for unecessary harassment (I have not yet notified scotcall that the person no longer lives here but will do tomorrow when their offices open). Thanks Grant

Hi everyone, Just some advice please. Some of you will know of my Employment Tribunal Case, but i have a question which needs an answer. If the claim is settled and agreed between the Claimant and Respondent at the Tribunal which then goes in front of the Employment Judge who oversee's what has been agreed and a date of 28 days is given by the Responent in which to pay the compensation or award. In my case the Judge directed that payment must be made no later than 28 days but if the claimant does not receive the payment i am to go straight back to court and report that no payment has been received. Now what happens if the employer does not pay up or is trying to sit this out so they won't have to pay up. What exactly would the tribunal do in such cases. Also if you had to take the ex employer to a County Court will the ex employer pay any costs in doing so. What are the options in such a scenario? There is very little i can find on this subject on the net. Thank you in advance.

Last week I was booked on a British Airways flight one morning - after being sat on the aircraft for well over an hour, the captain informed us that the technical problem holding us back could not be fixed, and that as far as the airline were concerned, the flight was cancelled. We were all offloaded and had to rebook later flights etc. As I ultimately arrived at my destination over 3 hours late, I thought I had good grounds for a compensation claim (after all, the delay had cost me money) under EU Regulation (EC) 261/2004. However, on using the on-line claim form at ba.com I was told the claim was not valid as the flight was not cancelled! Indeed looking at flightstats.co.uk, the flight is indeed marked as "Delayed 404 minutes". Sure, the aircraft would have been flown back to Heathrow (the destination) eventually, but by this tactic it seems they could argue there are never any cancellations! I will be writing to BA formally, but in the meantime, are there any views as to whether I have a case for compensation? Thanks, FtBS

Hi everyone, I hope there is someone here that can help me with this. Basically, I was booked onto an EasyJet flight from Glasgow to Bristol (EZY408 21:15, 17th Aug 2010). I checked in online and arrived at the airport in plenty of time. On passing security the boards were displaying a 30 minutes delay to the flight (I.e. A 21:45 departure). They still displayed that at 21:00 when I checked. I sat in the departure lounge coffee shop to pass the time. Although I was not in view of a departure board (there were none in the area), I sat directly beneath an extremely loud speaker, which was regulary updating passengers on flight details on airlines including easyjet. I thought I would be safe as any update would be apparent and I could make the short trip to the gate with plenty of time to spare. However, on finishing my coffee and heading to the gate 15 minutes before the rescheduled departure time. I was told that the gate was in fact closed and the boards had been updated at 21:00, when the delay was reduced. At this stage the aircraft was on the Tarmac with the doors open. There were no easyjet staff on the airport as all check-ins and boarding is dealt with by an external company. The agent from this company told me that there were announcements, which she did herself, and they would have been broadcast the the location u was sitting in. She said there was nothing else I could do apart from book onto a flight the next day at the cost of £43 excluding overnight accommodation. The lady at the check in desk could not offer any further assistance other than to say there were 50 seats available the next morning. She did tell me, however, that glasgow was a "silent airport" so only selected announcements get broadcast to the whole departure lounge. Does anyone have any experience in this area? Am I entitled to any compensation from EasyJet for failing to provide adequate notice of the change of departure time? The only assistance I was given on the day were an address to write to, a telephone helpline that was closed and an email address. Any advice would be greatly appreciated, Dan