u/Excellent_Koala6841

Back in June I raised a credit card dispute with NatWest regarding a £191 charge from a motorhome rental for damage (a plastic clip was broken). I have photo & video evidence showing I did not cause the damage.

I have been told they are closing the case because they never received my response providing evidence. However, one of the emails I received from them stated they couldn't accept videos as evidence, meaning they have already received part of my evidence as well as a statement of account.

The evidence I provided included the following:

Photos from check-in and check-out showing no damage.

Stills of the video

Evidence of my unanswered emails and phone calls to the company

A screenshot of the live chat stating this damage is normally covered by the additional insurance which I had purchased

Link to the insurance terms

Contact I had signed with the company I had hired from before they were sold to the new company. A new contract was never provided so all the documents are with the original hire company name.

The checkout report which I received 11 days after returning the vehicle, highlighted incorrect details. For example, the mileage stated 90k, but I received the van with 60k miles. Additionally, the report indicated 210 miles were driven upon return, but we had only driven 99 miles.

The email I received from the hire company stating they would withhold my deposit until I posted a positive review on various review sites, which I did not do.

I received an email confirming they had received my request and that a conclusion could take 45 working days.

After 50 working days, I reached out for an update and subsequently received all the evidence provided by the merchant.

I responded by showing that the photos provided by the hire company differed from mine; mine showed the wall was wood-panelled up to the corner while their photo showed a small section of wood panelling followed by a cream-coloured wall.

I had asked for time-stamped photos because the photos provided to me were unclear: they were a screenshot attached to a PDF document, occupied about 1/16 of an A4 page and were low quality and the time was just typed underneath

The link to the insurance had since been updated to exclude this damage from coverage. I pointed out that a live website that can be updated should not be used as evidence, as I never received a copy of this insurance as it stood at the time of purchase.

During the initial checkout, the staff member who checked us out took photos of the van and stated she could not see any issues. These photos have not been provided but they would show the van's status at the exact time of drop-off.

I also pointed out that if the time stamp is correct the checks were done over 24 hours later and there is no evidence I caused the damage, as it is unclear who else might have accessed the van during that time.

I had also requested a breakdown of how they arrived at this amount as the only evidence they provided to the bank was that the charge resulted from their internal estimates.

6 days after I sent all this over I called the fraud team because I saw the charge had appeared again. This happened two days before the deadline for my reply. I initially thought the hire company was charging me again, which other have reported happing to them via online reviews.

The fraud team said the case has been closed but they reopened it and added a note stating I sent over further information.

6 days after this phone call I was told the case had been closed because they did not receive any evidence from me.

Apart from asking for this to be turned into a complaint, can I do anything at this point to get my money back as I think I cannot raise this any further with Mastercard.

I work within a small company of 30 people and I work directly with a woman who has been taking in my opinion excessive breaks. She is my equal and I do not have any seniority over her.

We have a set lunch time of 1 hour or we can choose to use 30 minutes for flexible shift e.g attend appointments. Many people in the office use this flexible time for smoke/vape breaks and those who wish to have the full lunch hour will start work early to make up for these breaks.

The woman I work with has been with the company for about 18 months and at first she was vaping in the toilet to avoid having to make up the time until people complained and I was asked not to bring it up to the boss as people were worried they would lose their smoking breaks but I had to have the conversation with her even though it not my role.

For the past 8 months she has been going out to vape and I had noticed these breaks were 15 minutes plus as she screen would go into energy saving mode and the past month I have been keeping a log on how long she is outside vaping and it is on average 1.5 hours. She does not make up this time as she is always just on time or a few minutes late coming into work and will take her break dead on time and usually come in late from break.

She also will spend a lot of time on her phone which will account for another 30-45 minutes a day

I have spoken to her about it and she will then come in early for a week or two by about 15 minutes and then back to no extra time.

Part of her job role is to assist me with my work but it can go 2 weeks without any input yet she will log 9 hours a week so I think she is hiding her extra breaks knowing that I complete the work she doesn't do and our client won't notice.

A few of the smokers have come to me to complain as they have started to notice how long she is outside and it's not fair on them as they put in the extra time to have these breaks.

I want to raise this without potentially impacting the other smokers which make up 1/3 of the office but my attempts to resolve this issue has not worked.

What is the best way to tackle this on a professional without sounding like I have a personal issue with her.

At 8am I purchased rail tickets Off Peak day return but with a reserved seat on a 5pm on the LNER website for travel in England. 29 mins later I had to cancel due to the person travelling with me becoming ill.

The tickets were QR codes and had not been used, I went on the website and it gave the me the option to request a refund.

I have since been told I am unable to receive a refund due to the changes as refunds are up to 23.59 day before travel but their website states the following.

Changed your mind about booking

If it is within 2 hours, just head to My account to select the ticket you wish to refund.

If it's after 2 hours, Advance tickets cannot be refunded, but can be changed for a £10 admin fee plus the difference in price.

There is a section about purchasing before 1st April 2026

It then states this about after 1st April 2026

Unused Off-Peak or Anytime Single tickets can be refunded up to 23.59 before the date of travel. An admin charge may also be made, which will not exceed £5 per ticket. Head to My Account to claim your refund. Off-Peak or Anytime tickets purchased on the day of travel can't be refunded.

I have taken this as unused tickets are refundable within the first 2 hours of purchase and then it only become unrefundable once those 2 hours have passed and is a off peak or Anytime Single.