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Claiming for housing disrepair damages



housing disrepair damages

What Is Housing Disrepair?

Housing disrepair refers to the procedure of claiming compensation from your housing association if disrepair has impacted you or your possessions. In almost all cases, the housing association is obligated to ensure that repair work is carried out wherever necessary and in any circumstance where this is not adhered to you are legally within your rights to claim compensation. It’s important to know if you can claim on housing disrepair damages if your housing association hasn’t been looking after repair work in your home.

Can I Claim?

You are entitled to claim compensation for 6 years from the point at which the repair should have taken place, or 3 years in the case of a personal injury claim. It is also possible to request that the court orders your housing association to carry out the necessary repairs, however it is important to note that you won’t be able to take legal action if the problem is not reported during the period of your tenancy.

It is also possible to claim compensation if you’ve suffered inconvenience as a direct consequence of housing disrepair, for instance if you are unable to use certain functions of your home for a particular length of time or if you have been disrupted in any way.

What Can I Claim on Housing Disrepair Damages?

There are a number of different features which come under the umbrella term of ‘housing disrepair’, and for this reason you are entitled to claim for a variety of issues related to yourself or your home. You can for instance claim if any of your possessions have been lost or damaged as a result of disrepair, meaning that you will receive some form of solution to your problems one way or another if your housing association fails to meet the necessary requirements.

You are also entitled to make a claim if housing disrepair damages have had a negative impact on your health, both from a physical as well as a mental perspective. If you are able to provide proof of how you have been affected by the disrepair, for example a doctor’s note which we will discuss in the next section will significantly bolster your chances, then you are within your legal rights to make a compensation claim against the housing association.

How It Works

Housing disrepair damages can cause a great deal of distress to yourself and your family. It is well worth noting that if you keep track of things such as photographs of the issues, doctor’s notes, receipts for your damaged belongings and even records of your correspondence with your housing association you will have a much greater chance of completing a successful claim.

It is possible to request a reduction in the cost of your rent or even a refund in certain circumstances. In the event that you are only able to use a certain section of your home the court may deem it necessary to bring down the cost of your rent to accommodate and reimburse you for the difficulties you have had to face. It is also important to note that this is still possible even if you have been covering the cost of your rent through housing benefit or universal credit.

How To Find Out More

Apply Online: Fill out our quick and easy contact form here on Consumer Rights

We Contact You: We’ll be in touch to discuss your situation and your options with you

Make A Claim: If you are eligible we will help you to make a claim for housing disrepair

Benefits of a HDR Claim:

  • The ability to claim if you or somebody you live with has suffered a decline in health.
  • You might be able to successfully claim a reduction or a reimbursement of your rent.
  • You have up to 6 years in which to make the claim.
  • The court can order your housing association to carry out the repair if you are still a tenant.
  • Full support with making the claim and throughout the entire process.
  • If your claim is unsuccessful you won’t have to pay a penny.

About Us

We boast a team of fully-trained experts in handling housing disrepair claims, and we are confident that we can successfully carry out any genuine HDR claim.

How We Can Help:

  • Peace of mind
  • A speedy and favourable solution to your problems
  • Highly-trained team of industry experts
  • No win no fee


Flight Delay Entitlement



flight delay entitlement

Having your outbound or return flight delayed can really put a dampener on your trip, as well as potentially being highly disruptive to your business plans. This is not something you need to simply accept and you may well be entitled to compensation depending on the circumstances surrounding your delayed flight such as the causes and the length of the delay. Flight delay entitlement is something which is well worth looking into if you have been the victim of a delayed flight in the past six years, and can go some way to perhaps covering the costs incurred as a result of your delay or simply making up for the inconvenience you have suffered.


Flight delay entitlement doesn’t exclusively apply to delayed flights. You are also well within your rights to claim for a cancelled or even overbooked flight should that match your situation, and the claims process is very much the same.


Flight Delay Entitlement Explained

Here we are going to discuss in more depth your flight delay entitlement. Even if you have suffered a significant delay, you may not always necessarily be entitled to be compensated in the form of money. Your airline will, however, be required to help you out in other ways such as food vouchers to account for the additional time spent in the airport, as well as arranging and paying for overnight stays in hotels should the situation require it. All of this depends on the length of extra time you will need to stay in the airport as well as the reasons for which your flight got delayed.


Your flight delay entitlement may also be impacted by the actual length of your delayed flight itself, but all of this will become more clear as we explain the flight delay entitlement process.


If your delayed flight totals anything under 2 hours you are not eligible to receive any form of compensation, however anything above this means that you may be able to claim reimbursement. For those who’s flight delay was between 2-3 hours you will not be entitled to a financial reimbursement, but you must receive food and drink from your airline, access to a phone or at least some mode of communication and even overnight accommodation if necessary. If your flight is delayed by more than 3 hours you are legally entitled to everything we have already mentioned, as well as actual financial compensation provided that the delay was caused by a fault of the airline. Circumstances such as inclement weather conditions or security issues will mean that compensation will be unlikely. The amount you are likely to gain in compensation typically varies depending on factors such as flight distance, how long your flight was delayed for and whether or not your destination falls within the European Union. You can find out more about the precise amounts which you are entitled to depending on your circumstances here.


If your flight delay totals more than five hours then you are faced with a number of options. You can choose whether or not you wish to still board the plane, and if you choose to do this then you could claim as much as £600 as well as all of the additional benefits we have touched on for flights with a sub-five hour delay. If you decide against taking the flight, which you are also well within your rights to do, then you are entitled to a full refund for your ticket as well as any other flights on your trip which may have been affected as a result.

If you would like more information about the flight delay claims process click here for our comprehensive guide to flight delays and how you can go about claiming what you are owed.

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Were You Mis-sold Your Home?



mis-sold house

Were You Mis-sold Your Home?

Moving house is a testing but exciting time in your life and it comes with its own list of challenges that can be difficult to overcome. The last thing you want to happen is for further unnecessary complications to make the process more difficult than it already is, but unfortunately this is often the case for a number of people and being the victim of a mis-sold house is becoming more and more common.

A mis-sold house might be a concept that you are unfamiliar with, but it affects more new homeowners than you might imagine. Thankfully there are specific requirements which must be adhered to when selling a house and if you are misled in any way during the process of buying a new house then you may be entitled to make a claim.

What Does A Mis-sold House Mean?

An instance which could be classed as a mis-sold house could be when you purchase a new-build leasehold home only to find out further down the line that there are clauses within your lease that you were not made comprehensively aware of. The ramifications of a lease must be made explicitly clear to the individual concerned as it can leave buyers unable to sell their home further down the line due to what they have been tied into.

It can be difficult to prove that any wrongdoing has been made by the organisation that sold you the lease and so it is important to keep a log of any misrepresentation you have been subjected to in order to be able to form a valid and winnable case.

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Was I Mis-sold An Endowment Policy?



mis-sold endowment policy

What Is An Endowment Policy?

An endowment policy is essentially a life insurance policy which is obligated to pay out after a set time period or upon the death of the policy holder. The time frames can vary depending on the age of the individual and the policy itself, and in some cases these policies may pay out upon diagnosis of a terminal illness.

You may be entitled to claim if at any point the terms of the policy weren’t clearly articulated to you when you took it out or if the information you received was inaccurate in any way. Your advisor is obliged to make a full assessment of your financial situation and the levels of risk involved in taking out an endowment policy of this nature, and they must also make the fees and charges involved clear to you as well.

Mis-sold Endowment Policy Claim Time Limit

It is important to note that there are often time limits to consider when attempting to lodge a claim for a mis-sold endowment policy. Typically you will receive a warning letter informing you that there is a significant risk of shortfall, and from this point you will have three years with which to officially make your complaint. You will also receive a letter six months before your end date, and any complaints submitted after this date will be dismissed as being simply too late.

The first step is to contact the company who sold you the endowment policy themselves. There are some scenarios whereby the company who mis-sold the endowment policy actually no longer exist, and if this is the case then the best option is to get in touch with the Financial Services Compensation Scheme to discuss your options in further detail.

Once you have submitted your complaint the company should respond to your query within approximately eight weeks. You may be offered compensation within this response, and if that is the case then you will be able to personally determine whether or not you feel that this is sufficient. If you are not satisfied with what is being offered then you are within your rights to complain to the FOS (Financial Ombudsman Service) in a further 6 month time frame for an independent review.

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