Dear Forum members, I’m new here, so please be gentle. I need some help/advice re dealings with a large bathroom supply company. They prepared some drawings for me and my wife for several bathrooms we needed. They were having a sale, and the salesperson said that if I put down some money, they would hold their sale prices for us after the sale. I put down £3000.00 on my credit card as a goodwill gesture and to secure the offer she had made. Later she gave us a quotation with a list of products they hoped I’d buy from them. My wife told the salesperson that she didn’t particularly like the selection of products made for us, and we would look into alternatives. She went to work on it and decided the drawings prepared weren’t to our taste and we went back to her own drawings done before we visited said company. The selections of products likewise, we could get better prices anyway from other local suppliers and on the internet. We had made no orders or purchases, or agreed any items. The salesperson wrote several emails asking for a deposit which we didn’t respond to as there was nothing on the quotation we wanted to order. My wife informed the salesperson we were changing the designs. There was no good reason to stick with this company for designs or product supply, so I notified the salesperson I would like my money refunded. The salesperson refused and said that on the back of their quotation were Terms and Conditions and they weren’t going to refund my money (I understand from this that they consider that I was/am in a contract with them). This was the first I had noticed of their T&Cs, and they had not been pointed out to me/us or even referred to in the meetings - but I hadn’t placed any order anyway, nor have I signed anything. Their T&Cs state that “no order submitted by the buyer shall be deemed to be accepted by the seller unless and until confirmed in writing by the seller”. The T&Cs also state: “Quotations are subject to withdrawal at any time before receipt of an unqualified order and shall be deemed to be withdrawn unless accepted within 30 days of their date”. The quote was in July 2016 and I still haven’t accepted it or ordered anything from the quote, or from the company. Further: "The Buyer may not cancel the Contract without the consent of the Seller which, if given, shall be deemed to be on the express condition that the buyer shall pay the seller for all reasonable loss, damage, claims or actions arising out of such cancellation unless otherwise agreed in writing”. Have I unwittingly entered in to a Contract without accepting the quotation, without having ordered any goods, without having signed anything and without having been shown the T&Cs (although they were printed on the back of the quotation)? Am I in a position to get my money back from them, or will I have to order goods to the value of the £3000.00 I am in credit with them? Am I under any legal obligations under these T&Cs or under any other consumer legislation?

1) My 'Actions for getting employment" doesn't stipulate a number of jobs to apply for per week (which is odd, when I claimed before I had to apply for 2). Obviously I don't want to display every single job I apply for (which would risk creating a baseline figure), but what is the minimum number that an Advisor needs to see in order to sanction me (for insufficient applications)? 2) They also included 'log into my UJM account daily' - I have NOT ticked the box that allows the DWP to view the jobs I've applied for, BUT can they still see how often I've logged in? Ta

Some time ago, when I was a studying in the UK, I had opened a personal bank account in NatWest. After I have finished my studies I have left the UK and I live in Europe now. I have not used my bank account since then until a few months ago when I have made one purchase. I have recently received a letter from NatWest where it says "We need your confirmation about where you're a tax resident". I have not received anything similar before. It starts by saying the following: "We've a legal requirement to identify your tax residencies. This is because the United Kingdom Government has signed international agreements to share information for tax reasons. This information can include name, address, tax number, account number(s), gross amount of interest paid/received and the balance or value of the account(s)." Then there is an individual tax status declaration form provided, which I have to fill in (I am not allowed to post links, hence you can find this form by typing Tax_Status_Declaration_Form_Individual.pdf in Google). I really don't like the third part of it where I must give my permission to share all the data NatWest has about me to any interested party. What can I do about it? Do I have an obligation to sign this form (in that letter it says "Can you please respond within 30 days.", so I don't see any direct obligation if I am understand it correctly). Can I just close my account to avoid signing that form? Can I do it from abroad?

I have never done this before so hopefully I am posting in the right place. Long story short (ish) 2010 a man came to our garage and asked our young trainee ( on his break) to have a look at his car on the forecourt, young lad did, car engaged, the man got a fright stepped back and tripped and fell and hurt himself. ( Told police / ambulance the same) The insurance company are unable to offer indemnity as due to it being on the forecourt it is covered by the Road Traffic Act and he was under 25 and not insured. The man did hurt himself - not disputed, our trainee should have refused to help, he was in charge of the vehicle - not disputed. We have heard nothing for 2 years, changed out broker in the mean time. Court letters and doctors reports etc from the man started to arrive, so I have gone back to our original broker and have been forwarded a letter they received in 2012 ( which they never passed on) saying that the insurance company do not think there is a good enough case to dispute liability so we intend to make an offer to the claimant under our RTA obligation. Subject to us signing an "Assignement and Agreement" This was never signed. ( We never received it) They also dispute that it is covered by our public liability due to it being outside. The insurance company have addmited liability and will pay for the claim and all costs. The letter for this has just come in the post and they will then want to recover the costs from us. I called and spoke to the person dealing with it at the insurance company and they don't thnk that it is worth me getting a solicitor as they are going to pay, just a matter of how much. COST REVOVERY???? Now for the question - how will they do that, we are a small 3-4 person garage, with assets no where near what they would want. A limited company, with a very small bottom line, no debts and no creditors. Is it worth their while to force us into insolvency / administration - there is very little they can get that way. Will they force a monthly payment plan? Do they request accounts and then make a decision if it worth hammering onto us. Would this be based on them being sure they can get say 50% of the claim repaid - The insurance has a figure of £51,000 against the claim. As you can imagine this is really causing a huge amount of stress as we have no way of knowing what they intend to do. Any help or advice would be so appreciated.