Hi everyone, I have joined this forum for some much needed help. I bought a car from Available Car (i won't say which one or no doubt they will email me and kick off) with all cars they offer a 3k 3 month warranty. I noticed the car had a window fault and also a mechanic had noticed during the service the spark plug plug rail had a spark plug damaged. I contacted them and they told me it was no worry and i was covered under warranty so to bring the car in. I took the car to them in July and they diagnosed it did have a fault and they would repair it once the part came into stock. I asked them to put this in writing, they did do this. They then did not call me for 4 weeks and so I chased them, i was told to bring the car to them on July 31st as the part had come into stock. I took the car to them on July 31st and left it with them to repair. Now my car for road safety purposes and also car insurance purposes has a transcend dashcam which records inside the car and the exterior. I left the dashcam in and gave them the keys, they then did a pre-check on the car for any dents/faults etc and only noted a driver side alloy wheel being scuffed. the next day I got a phonecall on 1st August to say everything was repaired. I went to the car and noticed damage to the passenger side door (a scratch) and a chip on the edge of the front bonnett and grill. I notified them of this immediately and also I discovered the window was not repaired properly. They told me they would rectify the issue and asked me to let them have the car longer. I then decided to take the dashcam out of the car and look at the dashcam footage to see how this damage could occur. When I got home i found quite a bit of footage I would deem shows they did not take reasonable care of the car. One clip shows a gentlemen cleaning the car with a dirty cloth, another with his sweatshirt and in one clip a gentlemen who seems agitated he has to take the car to their workship for repair and is muttering words like *** sake every few minutes or so. In this clip I also believe you can hear stones hitting the car so hard that the camera has caught it which may have caused the chip/damage to the grill and perhaps bonnett. I also noticed they drove the car around without seat belts on and using mobile phones. As soon as i found this footage I contacted them and their branch manager contacted me and told me the cars are kept in a rocky compound and stone chips could happen but that they would rectify this (he rang me). He also asked for a copy of the footage I explained this was 50gb of footage and over 50 clips stemming throughout the day i would have to put this on a file sharing site like youtube for him to view . He said that was fine. I waited until 4th August and rang them again they told me the grill would come into stock on 5th August as it needed a whole new grill and that they would touch up the bonnett area. On the 5th I heard nothing and rang them, they told me the grill had not come into stock and I could collect the car and they would ring me once the grill had been ordered. I went to go and get the car on the 5th August and noticed they had polished the passenger side scratch down however the damage to the grill and bonnett was still apparent. I then got into the car and noticed my USB had been stolen and also some cigars which were from Bulgaria alongside some glasses had been damaged. I didn't leave site and immediately reported it to them, with it being a Saturday the workshop had closed they helped me search the car for the items and some of the staff but we could not find these. I was told they would investigate and call me back. I was so angry that I rang the police and reported it as theft as the usb was a 64gb drive which had my music, images of my family on and also navigation maps and connected to the vehicle you see. The police gave me a incident number. I then said that the branch manager was waiting for the footage and explained I found it very unusual that i had filed a complaint about the treatment of the vehicle in their care and now items had been stolen/damaged consequently. I also told them that I wanted a copy of their car signature sheets for hand over to them as it had no disclaimer about leaving property in the car neither did their premises. They gave me this. I then got a spare 8GB usb and went to try and copy the footage onto a USB so their manager had it, unfortunately the one to two clips were bigger than the whole usb, i put screenshots on there and a video of the dashcam and how it should sound without stone chips hitting it. i gave it to a gentlemen at available car whos name i took and he promised it would be handed over to the branch manager. I was furious and went home and did upload the clips to youtube, youtube told me I had to blur out people's faces so I did that using their blur tool. Admittingly I shouldn't have put the footage on youtube and exposed them, but I was so angry that one of their staff had stolen my stuff that I did lose my cool. 3 weeks and have gone by and I sent them two letters and these are copies of the letters- this letter i sent on the 4th august directly to the branch manager via email(when i was furious)- Dear Avallable Car Reference: XXX On 31st July 2017 I took the above vehicle- XXX into your garage for repair of two window faults and a snapped bolt in the spark plug rail which were on the vehicle when I purchased it, which under your warranty agreement and the Consumer Rights Act 2015 and Supply of Goods and Services Act 1982 you agreed to rectify. While in your possession for these repairs the car was damaged/missing items as follows: Car was scratched on the door with two scratches in a t shape on the passenger side door. This scratch remains on the vehicle and has only been partially rectified although has been lightly polished off by Available Car there is still a slight line/mark remaining now in a straight line. Stone chips were marked on the front bonnet’s edge of the vehicle where it is lifted and opens and in the chrome grill surround area of the front bonnet Car Headlights was left on which may have caused battery damage and require replacement/drain/inspection. Two items went missing from the vehicle. One item was returned damage to me (some designer sunglasses were bent) Your staff’s pre inspection of the car stated no bodywork faults with the vehicle except wear and tear on the car’s alloys, before it was handed in, which is evidence they were not on the vehicle before it was handed to you. You were under a legal duty to take care of my car while it was in your possession, this did not occur. When you take your car into a dealership like Available Car, it's protected under the law of bailment, which says that anyone you entrust with your property has a responsibility to take reasonable care of it. If they fall short of this, they're responsible for any damage or loss incurred while your car is in their possession. In addition, the Consumer Rights Act (which replaces the Supply of Goods and Services Act from 1 October 2015) says that your dealership must provide its service with reasonable care and skill and will be responsible for any damage/loss caused if it doesn't. Dealerships might display notices denying responsibility for loss or damage to vehicles in their possession however I note that I have checked the paperwork shared on drop off to you, photographic evidence of the documents I signed and also photographic evidence of your premises you have no notices/disclaimer regarding this. Photographs have been taken and stored to verify this. Under the Consumer Rights Act, which replaces the Unfair Contract Terms Act 1977 and the Unfair Terms in Consumer Contract Regulations 1999, the Availble Car sales agreement terms and conditions- these can't be used to try and take away, limit or restrict my legal rights in any of your contracts terms and conditions for your responsibility to duty of care of the vehicle. Therefore I am within my rights to ask for my car and the missing items to be replaced and repaired or be reimbursed. Whatever the cause, it’s very unlikely that a court would uphold any claim from your company that you are fully or partially to be exempt from all responsibilities here, espically in this case where there is dash cam 1080P HD footage of your staff and an independent garage/s who can confirm that my car’s bodywork was free from damage. I was informed that the car was repaired on 1st August. I checked remote access dash cam footage which showed that car did not go to an Audi dealer as I had been led to belief by your staff it may do if they can't rectify the issue. There was no evidence that any repairer saw my car as if they had they would have had to check the automatic window which would have caused the dash cam to start as soon as the vehicle is started and just that it was in the workshop to have the spark plug rail fixed, which the images on the USB provided to you show. The window can not be operated without the car starting. I asked to see proof that a mobile mechanic had been and no paperwork was supplied. The Consumer Rights Act 2015 and Supply of Goods and Services Act 198 requires you to use reasonable skill and care while carrying out work.- THIS DOES COVER MISLEADING CUSTOMERS OVER THE REPAIR. The fact that the vehicle was damaged while in your possession is evidence that you failed to take reasonable care. The dash cam footage shows damaging stone chips/excessively forceful driving and noise whilst the car was moving from site to site and this may be due to your site being untarmaced and worn access roads but in this instance seems to be as your staff member was upset he had to repair the vehicle. If your grounds could cause marks or chips, there should be a disclaimer again which you do not declare to customers or have any legal disclaimers to warn customers of. I have now had the car back to me on 5th August, a light scratch remains on the passenger side door and the chrome grill is still not rectified as ‘the part has not arrived’ and I have found contents have been stolen from the vehicle. The car head lights were also left on, which I have photographed and may have caused battery loss. A USB stick which is a 64GB unit is missing and I am informed your workshop deny to have it alongside expensive cigars which were purchased from Bulgaria on my recent holiday. Your staff have helped search for the missing items and been unable to find them in the vehicle when I reported this whilst the vehicle was on site. They have told me they hold no liability for personal items left in the car during when it is in your care for repair. I have taken photographic evidence of your building and premises alongside the car repair paperwork and this lack of liability is not in writing anywhere, therefore you are liable. This theft/damage has been reported to the Leicestershire police force and they will be investigating this matter as I intend to fully prosecute who has stolen my property. I believe they will be in touch with you shortly and are interested to see the dash cam footage too, specifically the mobile phone usage whilst driving. Since reporting this to you and speaking to you, you informed me and implied to me from my understanding that your impression is that my car’s bodywork was poor condition originally when it was bought to you and it is implied none of the damage was caused by Available Car however you will rectify this anyway, which I believe to be untrue and unjustified. C J Bull Motors in Arnold, Nottingham CHECKED both the front and back bumper on Saturday 29th July (these were the areas resprayed) and I have receipts to prove this alongside photographic evidence as I constantly check my car and care about this car so I have it checked the bodywork regularly as part of its regular valet/maintaince. Both the AA, C J Bulls Motor Bodyshop and Pitstop Garage Mechanics do not agree the car’s bodywork was ‘poor condition’ and rated it is as good/excellent on their inspections of the vehicle. There was no scratches or damage to any panels of the bodywork as per the photographic evidence I have and witness statements these professionals have agreed to provide. If the car’s bodywork was poor when it was purchased as implied by Available Car then I was mis-sold the car which is a breach of the Sales of Goods Act as at no point was this mentioned to me or put on any paperwork. Whoever removed the USB device had to go into the glove compartment where the USB ports are to remove the USB drive and none of your staff had any reason to go into this area, therefore I do believe this was a intentional theft. I have invested money into the vehicle in both servicing and bodywork costs to rectify the ‘used’ condition of the vehicle and ensure it is well looked after, so this is not a lack of care on my part which I can provide evidence of. I strongly believe the missing USB was removed by someone from Available Car to stop the dash cam recordings from reaching management after I contacted them on 3/8/17 as the thief believes it holds the camera footage of them from 31st July/1st August, however sadly they are wrong . The packaging for the 64GB USB that is missing and was stolen, is now in your possession as this was in the vehicle at the time and handed to XXX under CCTV at your branch. The spare USB you hold images of the clips from is only a separate back up 8GB USB to be clear which your IT team can verify. As a result of this theft I am now left with no USB devices whatsoever for my vehicle to use. I have also lost personal images of my XXX, music, videos and all my paid navigation content which were on the USB stick including purchased navigation maps. The reason I believe someone stole this USB on your premises is as the dash cam caught footage of staff driving my car whilst answering and using their mobile phone without wearing a seatbelt. This is an illegal motoring offence (the police have confirmed it is as your area has a public road and public access and it not thus deemed as private property). The dash cam footage also showed a member of staff swearing inside my car and where it was moving about several times causing paintwork damage and not using proper cleaning equipment to clean the car which may have caused scratches. I have been left upset and angry that now the final straw for me is my car being returned to me with my Rayban Sunglasses bent, USB stolen and cigars stolen..in essence property being stolen and damaged. Because of this I no longer wish to enter into correspondence with you via telephone until you rectify this matter immediately as I am very upset about this all, so you can contact me just via email as I refuse to discuss this matter any further with anyone from Available Car via telephone- your branch have had numerous oportunities to rectify this and failed. You can email me your resolution. Youtube video links- REMOVED These links will be removed when the matter is resolved and for now have been kept private. I look forward to receiving, within the next 7 days, your written proposal to agree a satisfactory repair, at no cost to me and at a garage of my choice as I no longer have faith in you at Available Car. I also look forward to receiving a cheque for the missing items and repair of my Rayban sunglasses that were damaged alongside a form of compensation for the upset and inconvience this matter has put me at. If you fail to respond in that time or to do the above, I shall exercise my common law right to employ another garage to carry out the work and look to you to bear the cost. Any attempt to resist paying such a bill would leave me with no alternative but to issue a small claims court claim against you in the county court for recovery of the money without further reference to you. However, in accordance with the Civil Procedure Pre-Action Protocol, I would be willing to refer my case to the Motor Industry Code of Practice for Service and Repair, as I understand they have a free conciliation and low cost independent arbitration scheme. This would be a way of successfully resolving my dispute without resorting to legal action. Please confirm whether you are a member of the Motor Industry Code of Practice for Service and Repair as I will be also be passing this matter onto them. Yours faithfully, I rang them since sending the above letter and have recorded the phone calls, they constantly fobbed me of telling me it was being investigated for a few weeks and I got fed up so sent another letter shown below This letter was sent via email and post to available car and the branch manager- Dear Available Car Ltd Reference: Damaged Vehicle & Stolen Contents NOTICE: Intentention to commence Legal Action As it has not been possible to resolve this matter amicably an you have failed to respond to me since August 5th, it is apparent that court action may be necessary, I write in compliance with the Practice Direction on Pre-Action Conduct to warn you that I intend to take legal action against you. As you are aware my car has suffered damaged to the front bonnet, front grill and passenger side door whilst in your care. The car has also had numerous contents stolen and damaged whilst i in the vehicle has shown that your staff did not take reasonable care of my vehicle and did not clean the car with adequate cleaning equipment. I gave you since the 5th August to rectify this matter and you have failed to do so despite contact from myself to chase the matter. From you I am claiming the full cost of the repair to the parts of the motor vehicle you have damaged and replacement costs of the stolen/damaged items in the vehicle which total £1018.97 I have calculated this sum based on three quotes from three independent garages I have had inspect the vehicle and damage occurred. The cheapest quote I have obtained was of £802.18 including parts, paint and labour. The value of the stolen and damaged items totals £136.79. I have also occurred bills in telephone call charges and time equivalent to £80. Listed below are the documents on which I intend to rely in my claim against you: Pre Inspection Report of the Vehicle taken on 31st July by Available Car. HD 1080P Video Footage Evidence Footage clips taken from Vehicle’s Dash cam of Exterior and interior of the vehicle. Pre inspection quotes of the vehicle’s damage taken from 3 independent garages. Photographic Evidence taken of premises of Available Car which show no disclaimers regarding damage/stolen contents. A copy of Leicestershire Police's report into the theft/damaged contents of the vehicle which is being investigated by XXX In accordance with the Practice Direction on Pre-Action Conduct I would request that you provide me with copies of the following documents: A copy of all mileage logs you took at each repair A copy of every pre-inspection report of the vehicle that Available Car have taken every time they have attempted a repair and had the motor vehicle left with them. A list of employees who worked on the vehicle and had access to it CCTV footage of where the car was kept on 31st July-5th August A full list of their procedural investigation and what action has been taken since the complaint was logged with Richard Kennedy. I also note that Available Car Ltd have attempted to contact the file sharing site that some of the clips are being hosted on to claim a privacy infringement breach against me. I have responded to this with the site’s host and the host site has agreed no breach of privacy has occurred and has kept the clips up. I would like to remind Available Car that attempts to hide evidence like this are not professional and will not resolve matters. This footage was recorded in a vehicle which legally belongs to me and is my legal property and therefore the law only refers to video content being illegal if it causes ‘intent to distress’. These video clips are not all of the evidence to hand therefore do not cause any intent to distress and are done to help warn and prevent future consumers from having their vehicles damaged like mine has been. I am allowed to host this footage under Article 19 of the Universal Declaration of Human Rights, adopted in 1948, which states that: everyone has the right to freedom of opinion and expression; this right includes freedom to hold opinions without interference and to seek, receive and impart information and ideas through any media and regardless of frontiers. Regardless, I can confirm that I would be agreeable to mediation and would consider any other system of Alternative Dispute Resolution (ADR) in order to avoid the need for this matter to be resolved by the courts. I would invite you to put forward any proposals in this regard. In closing, I would draw your attention to paragraphs 15 and 16 of the Practice Direction which gives the courts the power to impose sanctions on the parties if they fail to comply with the direction including failing to respond to this letter before claim. I look forward to hearing from you within the next 14 days. Should I not receive a response to my letter within this time frame, then I anticipate that court action will be commenced with no further communication to you. I've since had a call off the plolice asking for the dashcam footage stating they will investigate that was on Sunday, but have heard nothing since. I then got this letter from the branch manager yesterday- Dear In response to your ‘Live Chat’ transcripts, customer feedback, calls emails and letter. Available Car Ltd do not accept any responsibility for the ‘stone chips’ on the bonnet and front grille of your vehicle. Your claim that we have caused these by driving your vehicle is not accurate, this ‘damage’ has not occurred whilst the vehicle was in our care and we will not cover the repair of these items, as we are not responsible for them. You claim that the video content that you have uploaded to YouTube is private, this is a blatant lie and illegal. The videos you have uploaded are in the public domain and can be viewed by anyone at the present time, it is important that you understand that our team members have not given their permission for you to ‘record’ them and did not give permission for you to leave your dashcamera on for them to be recorded when you left your vehicle on our private property, nor has any consent been given by them or Available Car Ltd for you to record on private property or post the footage. The individual employees are very upset that you have recorded them and they have begun raising complaints regarding the footage, that they were unaware of and had not given their consent to you, to use or share. I would remind you that individuals and/or employees do have rights and you have no right to record individuals without consent. You have shown no respect for the individuals privacy and these videos need to be removed immediately. This is illegal and we can have you arrested for posting these videos on Youtube. We intend to get a court order against you to remove the videos. Your video clips do not support your claim that we did not apply ‘reasonable skill and care’ whilst your vehicle was in our possession. You also claim that we have stolen items from your vehicle and damaged your sunglasses, your accusations are strongly refuted by us. You claim that members of the Available Car Ltd team have stolen cigars and a USB stick from your vehicle. A claim of theft is a serious allegation and I am pleased that you have notified XXXXX Police regarding your claims of theft, we will be happy to engage with them. Your claims are pathetic, Available Car Ltd employees have not stolen, damaged or removed items from your vehicle. Our Vehicle Technicians are all accredited within their profession, Available Car Ltd are not subscribers/members of the Motor Code of Practice for Service and Repair or any Alternative Dispute Resolution scheme. I accept your refusal to speak to me, and as a Final Response, we will not be paying you or any third party any money or ‘compensation’ regarding your ‘accusations’. I think the above letter is very unprofessional and for Available Car to go to the extremes of calling me pathetic is ridiculous. I want to now sue this company as I now they did damage my car but with only the pre-inspection report as evidence next to the 3 quotes I obtained am I really in trouble for leaving my dashcam on and following THEIR instructions to post the footage on a file sharing site such as Youtube? I feel like their manager set the whole thing up and strung me along to fob me off with the above email. They prior stated on the telephone the grill was on order but I now get the above? I did end up removing the clips in worry to be honest. In terms of me 'recording them' with out permission, the car dashcam is inthe middle of the car, its plugged into the cigarete lighter and shows display..i didn't physically go there and record them and surely they could have unlugged the camera if they didnt want to be recorded? I now want to seek some legal advise on my case really from you all?

Hi there, does anyone know if the DWP can refuse to allow you to audio record meetings with a work coach at a Job Centre Plus? I have contacted my local Job Centre Plus office to ask for permission to audio record all future appointments but they have refused . Is there anything i can do about this?

Hello. My second post, I think. I bought a matinee ticket to see Lisa Dwan at the Old Vic. I live in Yorkshire and bought an Advance Return train ticket to London - non-transferable, of course. About a week before the performance OV emailed me to say, without any explanation, that they had had to cancel this matinee and would be refunding my ticket shortly. I immediately emailed them to explain that they also owed me for my train ticket and why. They said - and this is core - they were not liable for any loss sustained by this cancellation other than the ticket money. "Pay up in full by four days' time or I'll see you in the County Court", I said." There will be no more discussion on this". They then said that "in this special case" they would refund my train fare too. "Some time soon". I told them - "You now have two days' to have that cheque in my hands or I'll see you in the CC." They paid without demur. The cheque was with me next day. BUT - had I not insisted, threatened, kept to a very tight timetable, in short if I'd not been bloody-minded, they'd have got away with this. Maybe this was a "special case". But if it wasn't, shouldn't it be better known by the public that all financial losses incurred by failure to fulfill a contract, in this case putting on a show in exchange for money, are to be borne by the party breaking said contract?

Hi, Apologies as its my first Post. I wrote to BOS regarding a PPI claim on a mortage from them dating back to 1995, the only info on my mortgage account No was found on a letter to them just before I transferred it to Standard Life in 1999. I had mentioned the address of the "Mortgaged" property and the number in me enquiry. They responded with a letter saying it was an unverified Account No and wanted more Info. I called them up and had the runaround, but was eventually told by a chap to contact Section 77, Completion Center, Premier House, Chester and they would carryout a search for a £1? Does this place exit? And what else can I give to BOS? Many Thanks

Good Morning All, My dad took out a couple of loans and credit cards in the early 1990s with TSB (Later part of Lloyds). He was advised at the time that he could not take out the products unless he also took out PPI. He did not need the PPI as at the time he had a very good job which had an excellent sick pay/redundancy policy. He recently tried to claim this PPI back through a claim company. The claim company were eventually sent a Data Subject Access Request showing basic details of the accounts my Dad held with the TSB. Lloyds (TSB) claim that my Dad did not have PPI on any of the loans or credit cards. He knows that he did but has no way of proving otherwise. The Loans and CCs were taken out so long ago he has no proof. The claim company have since sent him a letter along with a copy of the DSAR stating that they have rescinded their contract with him. My first question is this, where does my dad go from here. He knows he was mis-sold PPI but has no way of proving this. Secondly, If there is a way of proceeding and he was successful in his claim, can the Claim company demand any of this money from him? Thank you so very much to anyone that takes the time to respond to this post. My Dad and I will be most grateful for any advice.

Hi guys well heres my horror story. Girlfriend wanted to go away really bad so we went to Thomsons. In store my girlfriend got talked into buying a holiday to Tenerife and it sounded good so we booked it. When we returned home the hotel had bad reviews and people had said it was based on a huge hill that was unbearable to walk, especially if you had kids and we did have a 2 year old son. So I asked the travel agent if the hotel was far from the town centre and she said its not according to Thomsons website. I have the call recorder app so I guessed that as the call was recorded and I had nothing to worry about, at the worst i could complain in resort if it was very far as per the numerous reviews. So I took her word on it and we flew. When we arrived in Tenerife our son's pram didn't come through. I contacted a rep there who I recorded the conversation with and he said that Thomson's agent and not Thomsons had lost the baggage and I would have to call the airlines agent Iberia in the morning and in the meanwhile hire a pram and get reimbursed when I got to the Uk from Thomson. I immediately questioned this and asked what Thomsons would do and the rep just said they couldn't do anything in resort/at the airport and it would have to be dealt with by Thomsons in England, which i have the whole conversation recorded. Anyway the hotel did not have any prams to hire as the agent suggested and so we were left for the first 72 hours without a pram. The hotel also was on a very very long and steep hill which wasn't described and was so bad that whilst we could walk down it, walking back up it was extremely gruelling and tiring. The room we got was damp and had condensation and when I did attempt to contact the resort rep they were never in resort and we were told messages would be left with them but none were. We decided just to clean the room the best we could and I continually rang the agent on a day to day basis - Iberia, who 72 hours later found the baggage and said it was never put on the plane thus the delay. Iberia had the pram sent to our hotel reception. When it did arrive it was damaged and stained with mud and the wheels would not properly allocate and move. I immediately took photographs and thought that I would complain when back to the UK. When I returned back to the UK I wrote to the store I bought the holiday from outlining my complaint with photographs and also prove that on travel republic (another site) they mention different km distance from the same town centres that Thomsons did on their site and brochure. I never received any response from the store and so i complained directly to Thomsons through their website. A few weeks later i got a response from 'Sky Tours' who as far as I knew were not even who I booked with..anyway they said they could only pass on my baggage claim to a department in Crawley who they would get to contact me. As for the loss and misdescription they put it down to 'opinion' and said they couldn't do anything more. I then got a telephone call a few weeks later from Thomsons again who in the end told me they'd investigate only to tell me in the end that they again could do nothing as the mis description was 'opinion' ( i.e. it could be debated if a hill is 'steep' to one person to another's version of steep..etc') and saying that now as Thomsons could not pin point where the damage occurred they would not repair or issue a new pram or any compensation and as I did not take out travel insurance I breached their terms and conditions and am not protected. I have found this to now be the final draw to me and I am seriously considering taking the matter to ABTA and even the small claims court. In my opinion Thomsons breached their duty of care as they and their agents lost my bag and were negligent, They have failed to address my clear evidence of misleading distance in their brochures and information provided by evidence and photographs of the rooms which is different to that of the brochures which as this was a package holiday is covered by the Package Regulations Act from my understanding.. so what would you do next?

I bought a salvage vehicle earlier this year. Repaired it. It was a cat. Then later on the car was reversed into by a tesco insured driver. My vehicle was taken away to the body shop while i had a courtesy vehicle. Two weeks later i was told that as my vehicle had been involved in a previous accident and the damage had not been fully repaired. My insurance company offerred me £100 as salvage and told me the vehicle would be a cat c. I asked for the engineers report which stated that the damage was similar to the damage the vehicle had sustained in a previous accident and that the vehicles value was £1000 plus the mileage quoted was incorrect as the car had only done 68000. The engineers reoprt stated that the milage was 83000. I told my own insurance company about this and they said chase tesco who will be able to handle this claim . I then contacted tesco who have sent me from pillar to post. I.e Wanting proof of repair, Where the repair happened, How much i paid etc. Where the parts came from etc. I got a letter of the garage who repaired it. over the 3 months i have been given the run around. Something i found out earlier this week. My vehicle has had a cat c marker placed on it by my own insurance company who will not remove it until tesco place their own category marker on it. MY company is ageas and the policy underwriters for the third party are ? youve guessed it Ageas. Tesco came back with a offer of £290 after their own engineer came out to inspect. Then after waiting for 2 weeks for this payment to arrive which i was going to reject. i phoned up only to be told that i claimed major damage to my car where as there was minor damage to it. So now it is being further investigated. What do i do ?

Hello All. Just completed 2 yr battle with RBS for misold L & E loan guard PPI. Although I provided a copy of RBS statement showing D/D payments to L&E loan guard they say I never had PPI, Ombudsman agreed. The loan guard was applied to a loan 12 years ago. Does anyone know if there are any other steps I can take? thanks

My parents recently had their Council house renovated by the Council. They made a complete mess of their home which they have spent years and lots of their own hard earned money improving. They are Pensioners and have retired. Basically, during the renovations, their fridge had to be moved several times by workmen, which, in doing so caused damage to it. They were left without a Fridge for the best part of two weeks and had to fork out £300 for a new one. Albeit their old Fridge was some years old, but it was in excellent working order and was clearly damaged by the workmen moving it. Have submitted a complaint but the Council point out that they will not be paying up as they sent a letter out prior to work being carried out saying that they would not be held responsible for any damage. This I think is a complete farce and insult. They are clearly liable for the damage. Anyway, just wondering what is the best steps to take to reclaim cost for a new Fridge and the inconvenience caused by my parents not having a Fridge for 2 weeks. Personally I think the Council are complete and utter **** for doing this and my Parents are willing to take this all the way through to small claims court and the local media as this is totally unacceptable. The bit that got me was the fact they say they are not liable as they said so in the letter they couldn't be held liable for any damage. Next we are going to have burglars write letters to their prospective victims saying that they won't be held responsible for breaking in and damaging their homes. See where I am coming from, just aint right!