Hi there. Writing this on behalf of a friend who is experiencing problems with her letting agents (who operate on behalf of private landlord). Basically has not had hot water for 3 months since she reported it in November 2013. She does however get hot water from the shower. She was finally able to get hot water today but because the water tank is so small she had to heat it twice as she wanted to run a bath. (not enough hot water for the bath) She asked her letting agents if she was due any compensation for being without hot water for such a long time despite her phoning them about it multiple times. She was told that she had hot water via the shower so no compensation is due. Is this true? (Shes based in Scotland if this makes any difference) Another thing the letting agents do is let workmen etc into my friend's flat without letting her know....i thought that they had to give notice of this? thanks for any help

Job Centre Plus have put me on "course" with Ingeus starting on Monday from 10am-4pm and lasting two weeks. All I've received from Job Centre Plus is a badly printed out sheet of A4 paper with a google map of where their location is on one side and on the other side an address, travel options and "lunch options: McDonalds" (surely lunch option!) printed on it! All I've been told about this company by my advisor is "they're good, they get people into work" I thought Job Centre Plus were there for that purpose? :/ I live with my father, who is in his 70s, in his house and received a phone call which my father, as he usually does answered, with a confused look on his face he handed the phone to me 30 seconds or so later to which I heard "...appreciate confirmation of your attendance" He heard the word "Ingeus" and knew it was for me as I had told him I was going there Monday. An 30/40 second automated computer phone call in which someone else in your household could answer and be met with a quick burst of a phone number and other information to "confirm attendance" hardly speaks volumes of their boasts on their website which says "Excellence with integrity - The principle of excellence with integrity is the foundation of our organisation, and informs every decision we make." They effectively called me to tell me something yet their automated system kicked in when someone else answered the phone call! Does this automated phone call from Ingeus not break the Data Protection Act? I've also noticed from their website they say "Once you are referred onto the Work Programme by Jobcentre Plus, you will receive a phone call from Ingeus,followed by a letter confirming the date, time and location of your first appointment." Job Centre Plus referred me to this programme over a month ago but all I've received is this automated phone call and no letter. Starts on Monday though! Is this a taste of the incompetence I'm going to have to sit through for the next two weeks? I've also found out through my own research online that I may be expected to sit beside ex-offenders who could be on the same course for the two weeks, nothing against ex-offenders, but surely I should be told these things before I actually get there? Can anyone on this helpful website please give me some info on what to expect and what I'll be doing for the next two weeks?

I have a question regarding wills in Scotland. My father was made trustee of a will of a family friend in 1998. He has recently passed away. Since his death, another person has came forward to claim to being a trustee. However, the solicitor dealing with his estate had claimed there was no will. What steps should the solicitor be taking to check if there is indeed a will? Also. it has been brought to my fathers attention that the other supposed trustee has been sen taking items from the deceased persons home. Should he be doing this at the present moment? Also, a good friend of the now deceased person has contacted the solicitor saying he had made a will in Australia. How much influence does this will in Australia, if in order, have on the estate in Scotland?

Hi, I'm self employed and live near Sheffield and I've carried out some work for a customer near Aberdeen. They have made a part payment, but are holding back just short of £1000 as they believe I haven't fully completed the work. I believe I have completed as much of the work as I can and have explained my reasons via emails and recorded letters. I have also offered to go to a mediation provider, but the customer has made no response. Should i consider issuing court proceedings? and if so, would I use the English or Scottish Courts? Many thanks in advance.

OK. A friend using his girlfriends' car parked in a hotel car park after dark in Scotland in December 2013. Visiting a friend from work, stayed for over an hour, not having seen any notices. His girlfriend has now received various notices from parking Eye, and now Debt Recovery Plus forms. Where does this friend stand as I am given to understand Parking Eye has no legality in enforcing such parking charge notices in Scotland?

Hi, I am considering making a small claim against a company in Scotland however I reside in England and am hoping someone can advise me how to proceed. Background. I had a financial agreement with a company who is based in Scotland and as far as I am aware do not have an office in England. When this financial agreement was set up I resided in Scotland however I no longer live there but reside in England and this financial agreement came to an end in 2012 and I was resident in England by that time. For reasons I do not wish to divulge I now wish to take this organisation to the small claims court as the usual letters have not resulted in a satisfactory response. Now the problem arises in that the organisation has offices in Scotland yet I live in England. Referring to the English small claims website https://www.gov.uk/make-court-claim-for-money/overview to make a claim through the English courts the organisation needs an English address which as I mentioned above the organisation does not have. So I looked at the Scottish law courts website and on the face of it it looked as though I could make an application to a court in Scotland. Because I do not live in Scotland I thought (by reading through the Scottish law courts website) that I should apply to the court nearest the defendant. To check this is the case I phoned the court and spoke to someone in the small claims court and explained my scenario. Unfortunately this is where I became confused. The person just asked me (words to the effect) 'under which jurisdiction' do I want to make the application. I stated that I did not understand what they meant re-iterating that I do not live in Scotland. They then replied that I would have to pursue the defendant through the English courts to which I countered that the English courts (apparently) will not allow this because this organisation does not have an office in England. At this point I got the impression they were becoming irate with me because I did not understand the phrase 'under which jurisdiction' (again I am para-phrasing somewhat), so they just pointed me to links on the Scottish Law Courts website where I can get in touch with Citizen's Advice etc. So my question is can I make a small claim against this organisation which has offices only in Scotland yet I live in England? which legal system do I use? Unfortunately speaking to the person in the Scottish court I became more confused. I realise that the court cannot give me legal advice but I would have thought they would have been able to clearly state whether they could accept an application for a small claim given the above scenario. Many thanks for your help.

In the past few months I've been receiving letters from a company called Past Due Credit Solutions, in relation to an old debt with British Gas. The default date was 21/02/2008 and there has been no contact till recently; during this time I have made no offer to pay and haven't even acknowledge the debt. I recently sent them a letter regarding the alleged debt now being statute barred, the content of which was suggested to me by a very helpful CAG forum member, and which has done the trick with other old debts. Past Due Credit Solutions have just written back and stated that 'the account is still within the 6 years collection period and can still be pursued for payment' The account will be held for 28 days for a response to this letter'. That confuses me, as I'm in Scotland, they're in Scotland, so I assumed the 5 year time-frame would apply in this case? I'm not sure if they're just chancing their arm, or if that's a genuine mistake. I realise that it's now very close to the 6 year mark anyway.. .and if they've put a 28 day hold on this, that would take it to just about to the day of the 6 year period. I've drafted another letter reiterating that it's 5 years in Scotland, and asking them to cease and desist (all the while clearly stating that I'm not acknowledging the debt). But... .if they ignore this letter... can I assume that once it hits the 21st February 2014, that the matter will then be dropped once and for all? I always feel that my posts don't make much sense, and are a bit disjointed and rambling, so I hope all of this makes some kind of sense to someone out there lol

Hi friends, I wish to ask if there is a way of finding out if PPI was charged by lenders that I have not held a bank account with. I am a Barclays customer and have borrowed from MnS and Bank of Scotland and many other lenders in the past. I have a clean credit history and have managed to pay back all the loans. But am unsure if these lenders made me pay a PPI. Thanks Autumn

Hi All, I'm looking for some advice on how to start putting my life back together after spending the last 6 years looking over my shoulder! To cut a long story short after a relationship breakdown and some other personal issues my flat was repossessed in 2008 and Northern Rock sold it on at auction. The flat cost me originally £38500 on a together mortgage and I also took out an additional £6K loan on top of that to clear some debts as well as a £10K loan from Blackhorse (secured) a few years later. I now have NRAM chasing me for a shortfall of £29500 and Blackhorse £17985 both of which I have paid nothing towards since the repossession. I received a letter from Mackenzie Hall last week offering a settlement figure of £8800 for the NRAM shortfall (which I don't have!) or a £40 PM payment. I also get occasional letters from various DCA's about the Blackhorse sum. I am based in Scotland and I know the law is slightly different up here.

quick one for you guys. ive had a read over some advice on here - my inlaws got a £60 parking ticket at a airport hotel in glasgow. sent by post. Then upped to £150 Now a letter from debt recovery plus LTD. Vehicle was in the car park for ( and i'm not giving the exact time) but less than 30 minutes. they never left the car. After speaking with a few mates, i told them to ignore the whole thing, as they all told me nothing would happen in scotland..... Is that in fact correct, Or incorrect. If incorrect, can someone will point me in the right direction......... Thanks once again!

Would anyone be kind enough to give me some advice. My husband had recently been seriously ill. I tried to keep up with the mortgage payments but found it very difficult. My husband is a very proud man and would not let me ask for any help from the government. When he was recovered he accepted a very good job abroad and I was left to sort out the arrears with the bank. They insisted on taking us to court. The Judge said pay the usual amount and £200 a month extra. I paid £712 on the date that was arranged and again the second month. A week into the second month I received a letter saying they were going to repossess. But I paid it I have the receipts. I studied the paperwork and realised that the amount of the loan in March 13 had been £92,000 then another paper said the amount of the loan in March 13 had been £106,000 I could not believe it the bank had capitalised the arrears the month before the court hearing and told the judge that the £106,000 + the arrears was the amount owed. Really it was £92,000 + arrears. Correct me if I have got it wrong but once the arrears had been capitalised and the mortgage payment had been raised then at that point there were no arrears?? I asked the bank of scotlands solicitors “Shoosmiths” and they said oh yes we've had that complaint before you are paying twice. You will have to ask the bank about that. The Bank of Scotland Capitalised the arrears in March without telling me. My husband started his job in June 13 so payments started in June so does that mean the arrears were actually for April/May £1024 I could pay that off in a few months. What right do they have to repossess even though I paid what the court said and what right do they have to lie to the court. The banks are disgusting and the courts are allowing them to get away with it. I have to try and stop this repossession but the bank would not even speak to me they referred me to Shoosmiths. Would anyone be kind enough to point me in the right direction because I am doing everything by the book and the big bullies are winning. Kind Regards Guilain

Hi All, I'm looking for a solicitor who specialises in the Sale of Goods Act for Car Purchase. I have already tried to fight the car dealer (major problem 20 weeks after car was purchased) and got no where. Trading Standards gave me wrong advice after they were handed the complaint from Consumer Helpline. I got OFT evidence and challenged them. They backed down and said I was correct, then he rang me back and said the law is based on a book by Cowan Ervine, so i wouldn't win as I am not a professional, I don't know what I am talking about, where as the dealer is a car mechanic. CAB have been good since this, but I need someone with headed paper. there is also many other things. CAB think we were miss-sold the car due to not being given the full information about various points. There has been a replacement engine installed, but Log Book still says old engine number, and the replacement engine is presenting itself as an engine from a scrapyard according to other garages. Garages will not touch it as they know nothing about the engine. the replacement engine came with no details to even verify the mileage on it which he told us it had. He never gave us the new engine number. Even the receipt states the old engine number. The car is an 08, currently sitting on SORN, can't go anywhere, and now because of all of this, has just ran out of MOT also. The car is on a personal loan, not credit. Was paid for by cash and debit card. All of the information the CAB and Consumer Helpline is excellent, they have thought of far more things than we had even ever considered and built a case. But apparently they have taken advice from the local Trading Standards, the same ones that gave me the wrong information and deliberately directed me into the wrong direction. need help please Thanks

I have been asked to post and request information regarding Parking Charge Notices issued in Scotland Collated information shows that PPC's are issuing charges in Scotland that make specific reference to the availability of the POPLA appeals service. This is extremely misleading as it suggests that regulations introduced in England and Wales under the protection of Freedoms Act apply in Scotland. It has been noted that inaccurate invoices have been issued by Total Parking Solutions at Edinburgh Royal Infirmary and by Parking Eye at Aldii's in Westhill Aberdeen In order that further information can be gathered and acted upon please post up any invoices issued Scotland offering the services of POPLA. Many thanks

I need some advice. I am dealing with a small estate. There are two executors and the two executors share the estate. There is still money to be collected before the estate can be settled but the other beneficiary is getting impatient and raised a writ for her half. I have responded to the writ and there have been a couple of adjustments. There was an Options Hearing a few weeks ago and the other side asked for a continuance. I did not agree and stated that I wanted to proceed there and then. The Sheriff looked at the paperwork and noted that I had submitted a note in support of my preliminary plea. However, there was no preliminary plea in the "record" therfore the Sheriff could not entertain any plea from me. My case would have failed therefore he suggested that I accept a continuance for four weeks to sort it out. I forwarded my preliminary plea again to the pursuer's solicitor and expected them to update the "record" so that when we meet again the Sheriff can consider my preliminary plea. However, I received, yesterday, a MOTION asking for:- 1. to grant a decree against the defender for half the estate; 2. to find the defender liable for expenses, and 3. Quad ulta to dismiss the craves of the writ I suspect that the pursuer is not going to include my provisional plea therefore the advice I need is - How do I ensure that my preliminary plea is included in the record, or maybe the question is - How do I lodge my preliminary plea so as to ensure that the Sheriff takes it into consideration?

Hi I had fell behind on my council tax a good few years back, however I had arranged a payment plan with Debt collector for the council and was paying it as agreed. Whilst I was on holiday a payment came out of my bank that I wasn't expecting and this meant my agreement with the debt collectors wasn't paid and they cancelled the agreement, I didn't know this had happened until a week or so later when I arrived back in UK and had a earnings arrestment waiting on me. To be honest I was relieved and this meant paying my debt off quicker that it would have been. That was back in July and 3 payments have now been taken from my wages. I am now moving job into a small family firm and don't want them to be aware of the arrestment. I am more than willing to pay what I have been paying through the arrestment or possibly a bit more but is there anyway around paying it direct and not through your employer? Sorry for the load of info this is my first post! Many thanks Dee

Hello, I'm looking for a bit of help or guidance please. my brother got a letter today from cabot telling him that his cc debt has been passed on to Optima collections. He's at his wits end as he thought all this had 'gone away'. He lost his job a few years ago (2008), through depression and marital break up, and asked the CC company to take reduced payments as he did not have much money coming in, they said no. Then he wrote and asked them to confirm they had a CCA and said the account was in dispute - they never replied and he assumed the lack of response meant they did not have one. He wrote to them again in Dec 2008 asking if they would take reduced payments as he did not want to 'shirk' the debt but still no answer. They passed the debt on to cabot as they wrote to him last year but he simply ignored the letter. Anyhow he has received another today telling him it's been passed on to Optima and they will be in touch but he's worried sick that they will come to his door! Can anyone tell me if there is anything he can do? is the debt statute barred now? he's made no payments since Aug 2008 and no contact since Dec 2008? Should he write and tell them the account is in dispute?

My charge is from 09/06/2013 and now I've received a "demand for payment" from Debt Recovery Plus Ltd. I parked in some place in England but actually bought something with cash but lost the receipt and then got the parking charges over the next months. I ignored them all but am unsure now if I should start appealing as I feel I am in my right. I live in Scotland and brought one of the letters to my local police station where they told me to ignore them until I get an official letter from a Scottish court. Is this the correct recommendation and thing to do? The letter says that if I don't pay £150 by the 15th they will forward the case to their solicitors who will try to take me to court. Thank you for any advice.

Hi I have been following this forum for a while and need some advice. Last year after a sales call from mbna, I asked verbally for no further calls to be made and for them to stop phoning. This year due to the current market, my income fell and I could no longer afford payments. I started receiving a number of calls from mbna. Each time I asked them to stop calling on my phone, and to put any correspondence in writing. On the 27th April I wrote to them using the data protection subject access request. I also asked them in writing to stop calling. I have since written to them and asked them again to stop calling after one of their representatives stated that they could call me anytime on my phone despite my request for them to stop calling. They wrote back and asked for £10 to provide the information requested under the data protection act. They finally sent thistome on the 1st of July 2009. (Outside the 40 day legal requirement) I have logged a complaint with the information commissioner regarding the fact that they refuse to remove my contact details and have passed it on to aegis. I issued them on the 10th June (received and signed for on the 11th) a request for a copy of my credit agreement and relative documents under the consumer credit act (sections 77- 78). In the information they sent me was a copy of my application which they claim is the credit agreement. I have attached this, along with a copy of their reply to my complaint about my contact numbers not being removed. There was no oriiginal terms and conditions or anything else relating to my consumer credit act request. Any advice or counter letter would be appreciated. To date they still keep calling me and sending me their postcards saying they will be calling me.

Hi There i am doing a SAR for a relative. they are looking at the Bank of Scotland for PPI. Here is the letter i am helping them with for their sar, is tihs correct what do i need to change. thanks in advance. Bank of Scotland PO Box 761, Leeds LS1 9JF Data Protection Act 1998 Subject Access Request Dear Sir/Madam, Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:- 1. Any original signed executed credit agreements and any terms and conditions that applied to any account at the time that account was opened. 2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company. 3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account. 4. Documents relating to any insurance added to any account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable). 5. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers. 6. Specific details of the fees/charges levied by any other agency in respect of an account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied. 7. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998 8. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed. 9. Copies of statements for the entire duration of the credit agreement(s). I enclose the statutory maximum fee of £10. You have 40 days in which to comply. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROCECTION.

:???: am looking for some advice, as to where i stand with a gift certificate as a present, i have gone on to book this and received email from them, which was my experience boarding pass copy and pasted on here Voucher number: EXP669-******** Participant name: STEPHEN SANSUM Experience: The Tank Driving Experience, Stirling Booking date: Sunday, August 4th, 2013, confirmed Booking time: 2:00PM - 3:00PM, confirmed Location: Stirlingshire Participants: This voucher entitles one person to the experience Experience duration: Experience duration 1 hour, drive time over 20 minutes Weather: Can be done in most weather conditions Restrictions: Minimum age 16. Driver height over 5 ft. Season runs April - November Spectators: Welcome to observe from the viewing gallery. Refreshments available onsite. Spectators can ride in the tank for £5 (payable on the day) Validity: This voucher is valid for one year from the date of purchase Important Notes ** Location This event takes place at Absolutely Scotland, Gateside Road, Cambusbarron, Stirling. ** Directions Please see this map link to the exact location: tinyurl.com/abscotland. Please DO NOT use sat-nav to find this venue as the postcode is approximate. Please familiarise yourself with the location using the detailed directions at http://www.giftexperiencescotland.com/tankdriving_directions.pdf ** Time Please arrange to be at the venue no less than 15 minutes before the booking time stipulated. Failure to arrive on time may result in you missing your booking slot. ** Clothing Please wear sensible, flat shoes for this driving event and dress warmly, even on sunny days. Please bring one form of ID with you on the day. ** Weather Should this event be cancelled because of weather then we will email you. Please check your emails before departing to the event. Experience Supplier & Venue Absolutely Scotland Tank Driving Absolutely Scotland (Tank Driving) Castle hill, Cambusbarron By Stirling Stirling FK7 9QU Please make sure that you are familiar with the location of the experience venue. Get driving directions by following this link. i have read this and the important notes box, then under this box is another with the address and a link to follow for getting directions, although in the important notes section it has an address, which has to be copied and pasted to get to, i have just presumed the link they have enclosed for the directions is the same thing, so i have followed their link and printed out the directions, directions through google maps, and i have followed them online right to the destination end, where you see some 4x4s training ground, and these directions have pointed this out to be the location, on arriving here their is no clear signs for the driving experiethere isnce, and their fore i have gone to the club shop and they have explained the woman is further down the road on the right along a dirt track, needless to say i never found this gate or dirt track, after an hour trying to find this place i have given up, a couple houses i have stopped and asked at knew it went on somewhere in the area, but were not sure where exactly it was. when i have copied and pasted the address in the important notes it is different instructions, where it does take you to the same spot where the 4x4s were, but a closed gate has to be opened then down a long dirt track, although at this spot there is no signs or indications to this, i have found the boarding pass a bit confusing as it does tell you to follow this link for directions, maybe my own fault for not coping address and pasting, as they now say i missed my slot and nothing can be done, therefore my voucher is now spent, anyone know where i would stand on this, thanks for any advice

Evening, it's been awhile Just a heads up in case it helps, apologies if posted before, but I was dealing with Lloyds today near Aberdeen. Having explained the problem my step daughter was having with a certain "my loan", to the branch manager, he very diligently rang Lloyds TSB Visa Debit Disputes. He waited patiently for the next agent to become available (25 mins), explained the problem and then let them speak to my step daughter who was present. The phone call then ended after approx. 1 min, so he asked what had been said, she told him and he uttered an expletive and immediately hit redial. He, not so patiently, waited a further 10 mins, explained the situation all over again and that he wasn't happy with the previous phonecall outcome then sat with the phone while the new agent investigated the situation. Hands up who can guess what happened next ? Pardon was uttered more than once ! ................... as was "FFS" when the call ended ! THE CRUX OF THIS POST IS ! It appears there is a differentiation between call centres for Lloyds TSB Visa Disputes and Lloyds TSB Scotland Visa Disputes that even Branch Managers weren't aware of. This is after Lloyds TSB Scotland became a company in it's own right, so I would suggest any calls start with questions about the date of your complaint and whether that is the call centre that can deal with it. TBF the Branch Manager was clued up as to our rights and was as miffed as I would have been had I called from home. Right, off to start a thread with some detail on ongoing step daughter issues

Hi, Another newbie here, and I never thought I would become this desperate but having thoroughly read through a lot of people's own issues I get the sense that I am in the right place. I really need help to understand the options I have - So I will give you a bit of background. I lost my job in September 2012 and it has taken till June this year to start a new job. In between that time being on benefits for the first time in my life, all my bills became a nightmare - I have the following debt: LloydsTsb Overdraft £1224 - which I have a reducing overdraft payment of £13 per month LloydsTsb Credit Card £17,471 (was £15,000 but couldn't pay the minimum and it has stopped at £17,471) LloydsTsb Loan: £14,977.33 unsecured - now with Wescot as of today 20/07/2013 as a letter has arrived with the 'instructed by our client to collect the outstanding balance on their behalf' When I lost my job I went to my bank manager to see what she could do and it turns out she joins the same foreign call centre queue I would have - after 30 mins we agreed the reducing overdraft payment of £13 - but the rest they wanted £200 for the loan £200 for the credit card - and I was on JSA of £307 per month so that was never going to happen I wrote to the LoydsTsb Credit card and loan sections saying I would come to arrange when I had employment - they have never written back until Moorcroft got involved - I filled in their online Income/Expenditure sheet and of course being on benefits it didn't help them - that was in March 2013 since then nothing until today with the same loan but Wescot - I have got a very good job now (in 2nd month) and would be happy to be in some arrangement however my brilliant landlord has rent arrears with me of £1,800 and I have given him priority as well as my retired parents picking up the slack from benefits of £3,000 over 8 months so I wish to pay them off first. I really do not want to put my new job in jeopardy as my new employers are brilliant but they would not take any CCJS or debt letters well in fact I know that if they felt I couldn't manage my debt and it came to their notice I would loose my job. I rent my my house - I have had to open a monthly paid ThinkMoney account as my all my (empty!) accounts are with LloydsTsb and they originally notified me that if I had any money in any of their accounts they could take it to pay down my debt. I really would appreciate advice on how to reach a satisfactory conclusion keeping my debt within my control rather than it going to court and having my employers involved - I have no real assets except for bits of furniture and a 12 year car - and I earn £1,800 per month net as of last month's first paycheque

Hello, I just wondered if anyone had any advise on how i could deal with debt problems re Bank of Scotland Loan £7439 default balance which has now passed to Robinson Way Collectors halifax Loan £3288 default which has now passed to Westcot collectors There is no PPI on them but there would b some late payment charges Halifax froze interest for a while to get me bank on my feet but I cant yet secure employment. Bank of Scotland would not freeze it just kept sending letters has anyone had any communications with Westcot or Robinsons way? I really want to try and get back on my feet and repair my credit its just I have no disposable income atall at the moment. very grateful for any advice given thankyou in advance

This is the link to this article: http://www.eveningtimes.co.uk/news/tenant-wins-extra-150-in-deposit-fight-129899n.21525792

http://www.mirror.co.uk/news/uk-news/halifax-bank-scotland-fined-7500-2034517