I've been asked by a neighbour to see if I can find any contact details for a mortgate broker called Key Consultants, who I'm told provided advice and / or an intruduction prior to her obtaining a secured loan and PPI from a company called National Home Loans. She's been advised she may be able to claim PPI compensation, however the mortgage company has rejected her initial approach and stated that a 3rd party provided advice upon which her application was based. I've serched for 'Key Consultants' online and on the companies house website, and come up with a large number of possibles, but nothing conclusive. Can anyone point me in the right direction ? Many thanks in advance.

Hi I had a credit card debt with Providian that was sold to Cabot a number of years ago. The last monthly payment I made on the account was in July 2012. In August 2012, I wrote a CCA request to Cabot using the CAG template from the library. They wrote back stating that they would attempt to get the information requested within 40 days. In October 2012, Cabot wrote that they had not obtained the info I needed under S77/78 CCA 1974 and as a result, the debt was unenforceable. In the meantime, they recommended that I continued to make repayments to the account. Obviously, no such repayments were made and I made no further contact with Cabot. Similarly, they have not been in contact with me in the intervening years until this month. Earlier this month, I received a letter from Cabot out of the blue, offering to write of the debt for around 12% of the apparent outstanding amount. The figure is a few hundred pounds. This “offer” to free me of the account as they called it, was valid for twenty days. The said payment would mean that they would no longer contact me about the account. I made no contact with them regarding the matter. This week, I’ve received what no doubt is the first telephone call from one of their call centre staff. Upon asking for me and revealing who they were, I said “All communication in writing only” and put the phone down. It seems to me I have two options here: 1. I could photocopy the October 2012 letter from them and write something like “still waiting for the documentation” on it and enclose a copy of their begging letter or 2. I could send them a Statute Barrred letter from the CAG library. Which of these would you advise or is there an alternative? I take it that as no payment has been made since July 2012, the entire debt is Statute Barred? Thank you very much for your continuing help

I stole from primark, stupid choice and will never happen again. The goods totalled to £53 and I was told that, because of this, the police had been notified but will not show up today. This leads me to believe I will hear from them - will this happen? Regarding RLP, everyone has said to ignore the letters which is exactly what I'll do. My only concern is the debt collectors - will they show up at my house? Or just letters? The security guard took my passport and photocopied it with my address and mobile number. The local mall security also showed up and took my details. I know I'm banned from this store and now on some sort of list that, if I'm seen, they have to keep an eye on me. Basically, will there be any outcome from the police for this matter? I'm 21, female. I have never done this before and I am extremely embarrassed by it. I don't want my family or other half finding out, so will the letters be it? Thanks

Hi.. Sent a SAR request last week to Lowell for a Vanquis CC debt and Halifax loan . Got a letter back today to say they have received and sending all paperwork from when they purchased the debts but if I require anything before that i need to SAR the OC. Surely as the supposed owner of the debt they should contact the OC or have all original paperwork such as statements etc sent to them once purchased ..or do I indeed have to contact OC ? Wanted to check before I send a curt reply letter back to Lowell

Hi all, First off, fantastic community here. I have spent a fair amount of time researching and it really is incredible how companies can act. I have a slightly different situation which I couldn't find anything comparable from searching the forums. I signed up for a 12 month Fit4Less membership where the first payment was taken October-2016. I cancelled the direct debit sometime about August 2017 where the last payment was taken August 2017, this was due to me moving about 1.5 miles away and wanted a gym in walking distance. Therefore, I have only paid 11 of the 12 months. I know I should have waited and paid the last month but didn't check fully. Subsequently, I have received the Harlands letters like many on this forum. What are my options? Should I offer the final payment while stating I refuse to pay any admin or cancellation fees? Thanks,

Please bear with me first accident in well over 10 years. Coming out of a junction last night saw a moped with no lights at last moment, so stopped. The moped skidded and fell over. The rider stated if it hadn't been raining he would have stopped okay. He said he was okay, but we exchanged telephone numbers and parted ways, and he said he would call as it only looked superficial. I'm not sure if he wants to pursue a claim, do I report it to my insurance now, or wait until he contacts to see what he wants to do. Realised today that even though there was no contact and he fell due braking sharply in the rain, could be seen as a non contact accident.

And Hello everyone, I have just registered on the Forum and this is my first post! I was hoping to pick your brains a little regarding a similar issue I have found myself in. I have travelled from St Pancras to St Albans on the Saturday just gone. My partner and I have stupidly used my bank card - thinking that St Albans was still covered by the London zone! It's a complete mistake on our part which I have admitted to the staff at St Albans station, and apologised. I have asked if it's an option for us to purchase a ticket now (hoping they would exercise the discretion) which they have not. In fact, the first officer said that I ought to pay the penalty of £25 which I thought was too much (given the standard penalty is £20). I have simply asked him to explain to me why it is more than £25 pounds. At the same time my partner was speaking to the second officer who said to him that he can pay the amount £11.80 now, and the rest he can appeal later. When I heard this, I asked "my" officer if I could pay the same to which he said no. I asked why that was the case but he just said that was up to him - essentially charging me more than my partner, and for the same offence. I though it was not fair, and refused to pay the £25. He automatically started filling in the MR 11 notice (the "witness statement"). I had no idea what that was, and asked if he could explain which he just said - this is a legal document. I asked if he could please confirm that he is indeed entitled to serve this to me - I asked for his employee reference number and to show me a badge with his picture on. He told me his employee number, and refused to show any documentation to support it and said that I would just have to believe him. At this point I said I would rather pay the £25 penalty fare (I did not understand the MR11 but it sounded scary), but "my" office said that it was too late. I suspect I will be receiving the notice to prosecute very soon. My question is whether I should wait for it to arrive, or should I contact the Prosecutions department now, before the notice arrives. I never not wanted to pay the penalty fare, I just wanted to be treated in the same way my partner was - i.e. pay £11.80 penalty fare rather than £25. I still want to pay for the journey I made/penalty fare, but I can't do that via Thameslink Customer Department (because Penalty Fares Department is independent to GTR). I would be grateful for your thoughts, Many thanks in Advance Majka13

Hi, I'm in am unusual position, I think. Back in 2003 I had a cracking salary and mega limits on my credit cards (46k) I was made redundant after I became mentally unwell and so went back to uni. I *asked* the credit card companies to reduce my limits (not wanting to get rid of my cards altogether) but they refused. Point blank refused. Later that year I became ill again and was diagnosed with bipolar. I managed to spend £21,000 in 3 months, with very little to show for it (or take back!) The banks refused to help. I paid back just under 1/2. I now have a limited income and only really my benefits to live on. I stopped paying when CCCS went under. I was given a CCJ in absentia. On one of the debts. Another, who CCCS weren't actually paying off, are continually chasing me. They seem to have now passed it on to Restons solicitors. I know they *can* apply for a CCJ. But if I don't contact them, will the debt be statute barred after 6 years, which is 6/2018. What is the best thing to do? I'm usually an upstanding citizen. But - I can't afford to pay anything, I didn't run up the debt other than as part of my illness, and the banks refused to lower my limits! I think after 14 years I need a life I can live and keep well - depression being a major problem. I just live within my means. I had paid a huge amount off all the debts, before I joined CCCS. They've had their pound of flesh, so to speak. Can I now hold on for the remaining 14 months for statute barring, given a solicitor is involved??? Or has anyone else any helpful advice? I just long to be the responsible person I am without this cloud hanging over me. Thanks.

Blemain changed its name about a year ago its now called Together Finance the address is Lake View, Lakeside, Cheadle, Cheshire SK8 3GW.

Hi Looking for some advice. I have written to Lloyds Bank 4 Times now regarding claiming back our packaged bank account fees. Sent them recorded. I have had no replies at all. Wondered if anyone has an address for this process please. Do not seem to be getting anywhere with them as yet. Thank you.

hi I recently finished a full time course at the end of january and started signing on to job seekers allowance while looking for work. At the first meeting at the job centre before anything else was discussed i was told that at the start of all new claims there is a mandatory 12 weeks of daily contact. After questioning this i was told that this is a national policy for all new claims. although im not attending every day i'm getting appointments to attend 2 or 3 times per week and must email my job search activity, jobs applied for, and forward all email responses from applications. i was told this was to help me find work but after almost 2 months all it has involved is keeping them updated on my work search activity with no help whatsoever towards finding work. after searching online i cant find anything about a mandatory 12 weeks of daily contact for all new claims so suspect that it is just some local thing. can anyone let me know if this is a national or local scheme? i expect that things like this are intended for people who who need help or encouragement towards looking for work rather than everybody, and as i was placed on this before anything else was discussed they have no reasons whatsoever to suspect that i might need this extra attention. Is there any national criteria to determine who gets placed on this daily contact which i could use to complain & be placed on the normal fortnightly signing?

Does anyone happen to have a contact email for Aqua and marbles? Im aware its the same company but i cant find one? A colleague of mine had to take some time off work due to various personal issues. He's now back in work, but is behing with other more important bills and wants to arrange a reduction in payments, a payment break or even better stopping interest for a couple months. He refuses to deal with them by phone, as for the last 2 weeks, marbles has been attempting to contact him 8-9 times per day, going by his call log. Anyone able to shed some light on the elusive email?

Good evening one and all. I have, over the past several weeks received several emails from these companies chasing a debt. As I have never heard of these companies, nor received any letters, etc. from the original creditor I have told them that I will not deal with them as I have never signed anything with them, no contract, nothing, indeed until the emails started arriving I had never even heard of them. The Zinc Group emails are pretty straight forward, however the CRS ones come with an envelope in the email to click, like opening an attachment. I do not open attachments from anyone I do not know. Can any of you give me chapter and verse on where I stand with these companies legally as I will not provide personal details to anyone I do not know. I appreciate that these two companies have been mentioned in the Health and Fitness forum but that doesn't really cover my issue. On another note, when a company rings me up and asks me to confirm details I tell them to tell me what they have, and if correct I will confirm. This usually results in "data protection" getting mentioned by the call centre operative, and an ending of the call. Where do I, indeed any of us, stand in such a situation? Do we have to provide details and what can happen if we refuse? Again chapter and verse if you have it please. Apologies for the long post. Best regards The Teacher.

Hi, Recently stubbled onto the site and wondered if anyone could help me. I currently work at a supermarket and have done since August 2016, I started on a 12 hour contract over three days (per week) but have never actually worked only 12 hours. I am consistently working above and beyond these hours ranging from about 24 to something 38 and occasionally entering overtime at above 39 hours per week. This is great, an I am not complaining but I am wondering there were grounds on which I can ask for my contact to be raised so I will be guaranteed more that 12 hours pay per week. Does anybody know if there law or legislation that I could use to back my case when i eventually ask for my contacted hours to be raised? I have read a discussion on here refereeing to holiday pay in a similar situation.. .as I have a weeks holiday booked will i be paid my 12 hours or the average of the last 12 weeks work hours? If I am entitled to the latter if I only get paid the basic 12 hours can i appeal this somehow? Thanks in advance, any information anybody has would be of great helps Thanks a lot Justsaying

An interesting one that could end up with severe consequences if found out to be true.

A bit of background, when I got my first job after being a student circa December 2008 I got my first CC - a Barclaycard Platinum. Within the space of 2 year they'd thrown a £9,500 limit at me and having something of a love for travel back then it got used up. At the time I was living at home with the parents and therefore regular payments of £600-700 were not a problem to keep the balance going down faster than it went up. Roll forward to 2013, I move out and start renting, the Barclaycard becomes my only source of 'offset' spending and the payments I'm able to make drop down to the minimum amount of around £200 which when combined with interest barely shifts the balance and it slowly rises and hovers around the £9000-9500 mark for about a year - some months it crept over the limit and I'd have to find the funds to get things back in check. In 2014 I admit defeat and go on a payment plan, they refuse to freeze the interest but do reduce it and my monthly repayment goes down by around £100. I keep to that plan and when it expired I renew for another year. When that second plan expired they refused to offer me a third agreeing only to an informal arrangement of £110pm but with frozen interest which I've kept to. The months on the informal plan appear on my credit file as months of sustained arrears. On November 28th I received a letter saying my debt - which has now reduced to £5700 has been transferred to Link Financial who I've yet to hear anything from. The letter from Barclaycard says I should go on paying them until I have details for Link and any funds will be passed along, my informal agreement will also be honoured for at least a further 6 months. Since the debt is no longer with BC, should I continue making payments to them or stop payments all together until Link get in touch? if the answer to that is yes, will not paying anything in the meantime put me at a disadvantage when it comes to them continuing to honour the informal arrangement? will I in a sense forfeit that arrangement. I've also read horror stories about Link and they're love for CCJs, how likely are they do this if payments to a debt are being maintained? the thought of a CCJ fills me with horror as I work for a company who deals with Pensions and as part of that I get credit checked every other year - I don't know what affect a CCJ would have on that check and I'd like to avoid having to find out! Am I stuck in a state of limbo until Link eventually pipe up? I've seen people speak of full and final offers, were I in a position to make such a proposal in a few months time - assuming they bother to get in touch - would a history of paying a decent chunk per month go massively against me compared to someone who has paid £1 for instance? would they see I'm good for more and try and rinse me for every last penny? Thanks in advance for any advice, it's stressing me out no end.

hi all, I have a ccj with Cabot for over £7000 which I have been paying regularly for atleast the past 10yrs. i have started receiving letters from them stating:- "We need your attention - potential legal action", "your credit file indicates that your situation may have changed", The ccj relates to a loan from Bank of Scotland, my situation has not changed, my only income is carers allowance (all other benefits go direct to disabled wife). i do have other debts and pay them off at the same rates per month £5 each, at least one of these debts is held by cabot. at the bottom of the letter there is a brief explanation of what legal action could mean but that refers to a ccj. any thoughts on this would be gratefully recieved sorry if this post is a bit rambling volac123

There is a tree on the side of a path runs past my house that is overgrown to the point it is coming into contact with the side of my house, the roof and is also hitting the windows of my property. I have contacted the council about this previously in 2011 when it was dealt with by way of a crown reduction, however 4 years later and its bigger than so i again reported it last summer and was advised that it would be cut back in 6/8 weeks. However 16 months have passed since my local borough council made that promise and despite several calls and emails nothing has been done about it and today i received an email from my local county council telling me that they were going to do nothing more about it. Would appreciate any advice, if there is anything i've left out that i should have included please let me know and i'll update. Thanks

Now old Tawnyowl has moved into the import market,sometimes a little exporting after buying a few goods from China. I did not think I ever would but I cannot resist their prices. Watches and other articles on a small scale,just in case the Taxman is watching i did say small scale.You never know where they are these Tax Men from what i have read. Then i sell to my friends,online or on the car boot. Now of course i want sales and even compete the Chinese if possible out of business to win sales from wherever. But no matter how i try am convinced that i am on an unfair playing field.In one way. How can the Chinese businessman or lady ship goods half way across the world so cheaply when i try to sell items but sometimes the postage makes me frown when only going to the next town.Postage costs are holding me back. Now a year ago i did say to my postmaster who had done the job for decades.Hey Mr Postmaster how come your parcel delivery service over 1 or two kilo say is so damn expensive.Do you not want to compete,do you want to let competitors take your business away. He said it is the cost of Pensions,that is why they are so high.But surely you have to compete not let that part of the market be ripped away. I thought when people pay pension contributions the money goes into a pot and the wise ones invest so plenty is available when employees retire. Now of course he may just have been trying to calm me down,there was a big queue by then behind me. May have just been saying anything to get rid of me,but always found him truthful and a pleasant chap. Another thought out of my head.Think what you like about my one thought for today.And say what you think. I am sure there are many wise ones out there want to put me right. Carry on, i do not mind.My skin lately has got a little thicker,i can take it. Tawnyowl.

Hello, Sorry, I really tried to keep the description as short as possible: On 03/03/2016 we called some conservatory companies in Devon and finally made appointments with two of them for the next day for a viewing. In the afternoon we sent them a floor plan with detailed measurements and other information about what exactly we wanted. BTW We had even searched the web for reviews about the companies and found nothing negative - just one positive review. On 04/03 an employee of the first company arrived in good time, and we noticed he had the document (which we had emailed the day before) printed out and ready for discussion! Because the negotiated price was acceptable (£8,060), and because he confirmed that they could complete the conservatory within a month, we decided to enter into a contract immediately. In the contract was stated: "Installation date: 18/03/16, 09.00" As advance payment 1/4 = £2,015 had been agreed: On 04/03 we paid £2,015 by bank transfer. On the same day another employee arrived to carry out a survey (as specified in the contract). He examined the house, took measurements and discussed with us and wrote down the exact positions for the doors, opening windows, roof connection etc.. We mentioned that we had already paid the advance, and he said the required parts would be ordered IMMEDIATELY! 17/03: Since we hadn't heard anything from the company, we sent an email and asked if they had received our advance payment and also asked them to confirm that the works would start on the next day as provided in the contract. No answer. On 18/03 we waited at home the whole morning, but in vain. No one came. No information. We called them after lunch: the secretary said she would talk to the builder responsible for the groundworks. On the same day we were informed that the builder would begin on 22/03, 9.00am. On 22/03 no one came, but the builder called us to tell us he would come one day later, 23/03, 1.00pm. On 23/03 he came, examined the ground, and asked us additional questions regarding the groundworks. Since it is a hillside situation, he recommended insistently to build an additional retaining wall (the rain would wash the garden down to the conservatory), cost around £2,000 (making it much more expensive than other offers we had received before signing the contract with this company). He seemed to be a skilled and competent builder, and to avoid further delays, we agreed in principle and asked to calculate the exact additional costs and inform us asap. We asked when the groundworks will begin finally, but he could not give us a concrete date. On 24/03 we sent another email to the company to declare in writing what had happened so far. We wrote that because early installation was VERY IMPORTANT to us, we were happy that they could offer us that early installation date (18/03). This was the MAIN REASON we decided in favour of their company, cancelled another appointment we had later on 04/03, signed the contract, and immediately paid the advance - just to avoid any delay. We asked them to inform us immediately in writing about when the works would begin and what exactly the extra costs for the additional work (retaining wall) would be. 29/03: Since they hadn't answered, we sent another email in the morning. We reminded them that during our initial discussion on 04/03, before signing the contract, it had been confirmed that the project could be carried out within a month, so we already made plans for the time after the installation. We stated again, that we really needed the additional space, provided by the conservatory, as soon as possible. 30/03: Since there was no reply, we sent another email, stating that it's urgent. Then the secretary called us and said she would send us an email regarding the starting date. 01/04: Again, nothing happened. We sent another email: we asked what had happened in the meantime and why there were further delays. We reminded them that we were waiting for 9 days now to get an answer regarding the costs for the additional works. 06/04: After many many attempt we finally got the manager on the phone. He told us that the groundworks will be carried out "next week". We were very relieved about that. He said he would call us back to tell us the exact date. He didn't. 07/04: We sent another email in the evening: We wrote that we tried to call him several times during the day, but in vain. Furthermore we reminded him, that we would also need to know what would be the costs*for the additional works. 08/04: The secretary called and informed us that a skip will be delivered on 13/04. We asked again, if they would already know what the additional costs would be. She just answered "not much". On 13/04, as announced, a ridiculously small skip arrived, and one worker, without any machines, dug out some earth and moved it into the skip. A day went by, but this method was not suitable to make progress. On 14/04 the employee who visited us on 04/03 for signing the contract came again to let us sign an additional contract about £2,000 for the extra works, and we were asked to pay this in advance, because more work needs to be done, so they would need more money in advance for material and the builder: On 14/04 we paid £2,000 by bank transfer. On the same day or a few days later, a larger skip had been delivered, the required machines and an excavator arrived, and intense working finally began. Great! (we thought) On 28/04 a lot of work had already been accomplished, The manager visited us and tried to persuade us to accept that the project would cost another £1,600 (!!) more. He admitted it had taken a bit (!) longer, but he had selected "quality workers" in order to get the job done as good as possible. (Later it turned out that this builder and his men had been commissioned by him for the first time - he never knew them before!) We reminded him that we have a contract plus the additional costs of the second contract, and that we can't pay more than was agreed in these two contracts (all together £10,160). He accepted our objection, but asked us politely to pay another £2,000 in advance + £100 which we had agreed with the builder for a minor modification of the retaining wall, so that he could speed up the remaining works: On 28/04 we paid £2,100 by bank transfer. Until 05/05 (with some interruptions of several days) the builder had completed the groundworks and brickwalls, however there is still some work left for him to do, which he can't do before the other conservatory parts will be built up. That is the reason why material, some debris and the last skip (which has already ruined the lawn in front of the house in the meantime) had been left here at the construction site. (BTW: It turned out that the ground is solid ROCK, so the wall wouldn't have been required - according to horticultural advice it could also have been fixed with cheap retaining wire netting!) On 06/05 the manager called us and asked us to pay another £2,000. He said he had to pay bills for many skips, pay the builder and buy further material. Again, he said this would speed up the completion. Because it was already more than a month after the expected completion date, and we really wanted this project to be finished as soon as possible, we accepted his request: On 06/05 we paid £2,000 by bank transfer. On 09/05 the employee who took measurements on 04/03 came once again for more detailed measurements.
On the same day we sent an email and asked if the works would continue the next day. No answer. On 11/05 we tried to reach someone of the company on their various phone numbers. We could only reach the employee who visited us for signing the contracts. We asked him when the works would continue. He said in about a week.
Later we could also reach the manager via phone, and he claimed that the groundwork would require 2 weeks to stabilise! According to this we would have to wait until 23/05. (Later the builder confirmed that this isn't true at all!) On 23/05, we stayed at home and waited for the work to continue - again, in vain. We tried to reach the manager via phone, but in vain. Again, we could only reach the employee who visited us for signing the contracts. He assured he would contact the manager and call us back. He never did. On 24/05, again, we stayed at home and waited - again, in vain. We tried to reach anyone by phone. Since no one answered, we sent another email. No answer. On 25/05 we could reach the employee who took measurements. He informed the manager who finally let his secretary call us back. She said, the problem would be that the "roof takes longer to arrive"; estimated day of arrival: 31/05. On 26/05 the builder visited us privately on his own initiative and informed us that he hadn't received any money from the manager, though it was him who did all the work until 05/05. He warned us NOT TO PAY any more money in advance (what we hadn't done anyway). He said, the remaining work could be done within three days. It would NOT have been required to wait to let the groundwork stabilise! For many days we tried to contact the manager, but we had only been cajoled and put off by a new, young employee whom we had never known before. On 07/06 we reached the manager by phone! He said he would call us back soon or confirm via email to guarantee that the works will be completed from 14/06. On 08/06 in the morning he called and offered to complete the conservatory from 21/06 (about another two weeks later!).
Since we still wanted to get the earlier date (14/06), we sent another email reminding him what he had said the day before. We also tried to call him again, but there was just his answering machine! We sent another email in the late evening and asked for a confirmation for 14//06 again. On 09/06 we could reach him by phone in the morning. What he had suggested, he had also confirmed by email in the morning:
"Further to our telephone conversation this morning, I have been speaking to our manufacturers about a possible earlier delivery for your conservatory roof. As I explained in the telephone conversation, they will need a payment upfront to prioritise the roof which could lead to a delivery to us on the 13/06. We will need to payment of £1500 for the roof to get this prioritised and allow us to complete the conservatory sooner. I also would like to confirm that I have offered you a discount [£500] on the total left outstanding which I have taken off the contract."
We answered via email, that we had believed him that the 3 additional payments he had already asked for (£2,000 + £2,100 + £2,000) would speed up the conservatory works, and we had always paid! Nevertheless the project had been delayed by months, which caused many serious problems and financial loss for our family. At this point we couldn't take an additional financial risk. We suggested to arrange the delivery of the roof (direct to us) and the payment direct with the manufacturer. We wrote we would also pay the rest (£2,045 minus price of roof) after completion and that we won't make use of the offered £500 discount.
When we came back home we noticed that the manager had tried to call us back (caller ID), but he hadn't left a message. We sent him another email, that we had noticed that he wanted to call us, and that we wouldn't want further phone calls, but a WRITTEN answer in this case.
We waited the rest of the day for his reply, but again in vain. We sent another friendly email later in the evening and asked him to answer. On 10/06 we waited until the evening and then wrote another email:
Because he hadn't replied to our suggestion regarding the payment of the roof, we decided to accept his previous offer (which he made via phone on 08/06) to complete the conservatory from 21/06. Because in this case a prioritised delivery of the roof*wouldn't be required, we would pay the remaining £2,045 after completion. We asked him to confirm this in writing until 14/06. He didn't reply. On 14/06 we sent him a "Reminder with fixing of a period of time" As time limit for completing the remaining works we allowed 2 MORE WEEKS, until 28/06 (included). We had sent this as emails and as RM Signed for letter. On 06/07 the letter came back (undeliverable and not collected from the PO). In the meantime we found two extremely negative reviews on Google about him - unfortunately posted after we had signed the initial contract. The other customers got their work done, but with immense delays, and without obtaining promised discounts. We know we made mistakes: We waited too long. We paid too much in advance. Nevertheless, what can we do to get this solved? Offer him a bit more money? (Sometimes paying a bit more is better than fighting longer.) Go to a solicitor? Trading standards? We really need a fast solution now. Our nerves are on edge... Many thanks!

Hi I would be grateful for your help I joined them back in November 2014 and only attended for a month, due to having an operation on my hand. I didn’t know that I may have been able cancel then. I left it till December 2015 to cancel. I went online and followed their procedures and received an email, I also rang heartlands and told them I have cancelled, they told me not to cancel my DD and they had made a note of it on my records. in February when I noticed that they had still taken a payment I called them again, they told me they had not revived a cancellation notice from Exercise4less. I then cancelled my DD, got the standard letter from heartlands. I still have a problem cancelling my contact for the last two months I have been past from pillow to post by e4less and I still don’t know if it is cancelled. They say I am in arrears of £39.98. £20 admin fee and two months subscription fees. I have now been back online and filled out there cancellation form again and got two of the same emails back. Thank you for contacting Xercise4Less, your request has been received and we'll be in touch as soon as possible. Your request will start from the submission date. Please keep this notification as a receipt for your records. I am not sure what to do now and would be very grateful for any help you can offer. Kind Regards Strongdumplin

Hi all, Just in case any one is looking to make a complaint about irresponsible lending to cash convertors- I was helping a friend, follwing advice from here- and I have to say, they are the easiest company i have dealt with so far. The statement of accounts was there within an hour of requesting, and following an email complaint on Thursday, a final response has arrived today, with an offer of almost £1500. She is more than happy with that figure, and looking at the loan history, although she has paid more over the years, I really dont think she would do much better with FOS, so she is happy to accept it. The contact details i have incase anyone is struggling getting a reply- Without the spaces- Im not allowed to post email addresses yet! Good luck

Should letting agencies have an emergency telephone number? This evening I found water pouring through the ceiling at the bottom of my stairs...dashed up to the bathroom to find that the toilet was overflowing and the overflow pipe had become detached(another botched job!) and the over flow was caused by the ball cock thing in the toilet had come lose....me panicking trying to stop the water flow and reattach the overflow pipe! Asked daughter to switch off the water at the stop cock....its behind a panel that needs a screw driver to get to it! Rung the letting agency up... a few mins after they shut up shop...no answer and no answer machine

Hi all, Hope this is the right place for this. My partner recently picked up some weekly contact lenses from Boots. she wears them frequently, but her normal order had not arrived so she had to pick up a pair to tide her over from the store. almost immediately after she put them in, her vision began to go blurry and her eye felt discomfort. The Boots staff at the store were awful. first they wanted her to wait to see the optometrist, until she made a fuss, when it turned out one was free, then she had to ask three times for them to rinse her eye. Finally they sent her to Moorfield eye hospital, but didn't send anyone with her. She spent several hours in the Moorfields A&E, where the staff were shocked that her eye hadn't been rinsed sooner and more extensively. By this point she was in agony too. So the upshot was she had blurry vision and severe pain for a few days, had to spend the evening at Moorfield's A&E and had to take a hotel for 2 nights as her vision was too poor to take the train home. To be fair, after first saying they would only reimburse her taxi costs, boots did reimburse the hotel and medication costs too. Now, the problem is, after doing some research, we found that these lenses, made for Boots by Coopervision, had a similar issue a few years ago, where they were contaminated with silicon oil, causing horrific injuries for some people and leading to a recall. As my partner put the lenses in in the shop, she didn't keep the cases for them and allegedly neither did the shop, which seems like it ought to be included in some sort of protocol. Anyway, the reason we're here is 1.) Has anyone heard of, or is there somewhere that might know, if there are other recent cases like this? Our primary concern is that no one else suffers due to Boots' inadequate response. 2.) My partner isn't sure if she still has the lenses, but if she does they are in a fresh contact lens holder with fresh saline solution. I appreciate this would have diluted any contaminate, but is it possible, if she can find them, to have the lenses tested, perhaps with a Mass spectrometer, to see what the contaminant was? 3.) this si the most minor concern, but should we and could we seek any compensation from boots? We've accepted reimbursment for our out of pocket expenses - the taxi, hotel and medication, but all of our communication was without prejudice and we stressed that we weren't accepting this in full and final settlement. I know the impact didn't last very long, but she was in agony, terrified of losing her vision, had to spend the evening in Moorfields and was supposed to be chaperoning me following a medical procedure I had had earlier that day that involved sedation. And now, as someone who wears contacts frequently, she is very nervous about wearing new pairs. Thanks for your help

Dear All, This is my first post so please excuse me if it's in the wrong section etc. I had a property repossessed in 2010 & the mortgage was with Northern Rock. All relationship with them had broken down & I ended up leaving the property vacant before the repossession date & have never been back to it since. I locked it & walked away After a few months I checked Zoopla & the property had been sold at a ridiculously low price therefore leaving a substantial shortfall. I've never heard a word from NR until a strange letter arrived at my parents house (where I now live) yesterday stating that my file had been recalled from their external agent PRA & transferred back to their internal collections team. It is also asking me to contact them to discuss repayment. It doesn't give any other details & at first I wasn't even sure what it referred too. I have never had any contact from this PRA group. So what are your thoughts? I've obviously no intention of contacting them as I think they're just fishing for information plus it's taken them 6 years to find me. Thanks to anyone that can offer some advice.