Claiming for belongings ruined by damp and mould in a council or housing association home

Mark Blundell

Published on: 04/11/2026

You can claim compensation for belongings damaged by mould, but only if you can show the damage came from a repair problem your landlord knew about and did not fix within a reasonable time. In practice, the claim usually sits inside a wider housing d

Complaining about payday loans taken out more than 6 years ago: what the time limits really mean

Mark Blundell

Published on: 04/11/2026

The payday loan complaint time limit is usually 6 years from the date you took out the loan. If more than 6 years have passed, the Financial Ombudsman Service can still look at your complaint when you make it within 3 years of realising, or when you