How do I （人命などを）奪う，主張する for pothole 損失 to my car on a 私的な road? DEAN DUNHAM replies

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I recently drove 負かす／撃墜する a 私的な road which was in poor 条件 and my 前線 wheel caught a pothole. It’s 損失d my car and now I 直面する a big 修理 法案.

How do I make a （人命などを）奪う，主張する to get this money 支援する?

J.K. Ipswich, Suffolk.

The growing number of potholes are 原因（となる）ing more and more 損失 to 乗り物s, but if it happens on a 私的な road, can you （人命などを）奪う，主張する for any problems they 原因（となる）?

消費者 権利s lawyer Dean Dunham replies: In most circumstances when you 損失 your 乗り物 after hitting a pothole you will direct a （人命などを）奪う，主張する for 補償（金） at the organisation with 責任／義務 for the public 主要道路 in question.

This is often the 地元の 会議 or 主要道路s 当局. The 法律 in this 事例／患者 is the 主要道路s 行為／法令／行動する, which 始める，決めるs out the 義務s a nd 責任／義務s when it comes to public 主要道路s.

However, when the pothole is on a 私的な road these 当局 耐える no 義務／負債, and the 主要道路s 行為／法令／行動する does not 適用する.

Instead, 責任／義務 for the 私的な road lies with the person or （独立の）存在 that owns the road. The 支配するs for 私的な roads are 始める，決める out in the Occupiers 義務／負債 行為／法令／行動する 1984 for England and むちの跡s; the Occupiers’ 義務／負債 行為／法令／行動する (Northern Ireland) 1957; and the Occupiers’ 義務／負債 (Scotland) 行為／法令／行動する 1960 in Scotland.

Under both 法律s, the basic 合法的な 原則 is that the owner of the 私的な road has a 義務 to keep it 安全な. And if there is a danger 現在の (such as a pothole) and the owner knows or せねばならない know about it, there is a 責任／義務 to either make it 安全な (i.e. 修理 the pothole) or 供給する 適する 警告s for 使用者s of the road.

Your first port of call here is to find out who owns the 私的な road and to 令状 to them 特記する／引用するing all the 関連した （警察などへの）密告，告訴（状）. 含む the date and time the 損失 was 原因（となる）d, 正確に where on the road the pothole is, the size of the pothole and the cost to 修理 the 損失 原因（となる）d. You should also 特記する／引用する the 関連した 法律 above.

いつかs these （人命などを）奪う，主張するs are straightforward if the 私的な road is owned by a supermarket or 所有物／資産／財産 developer and therefore leads to a public shopping area.

However, when the road is owned by a 私的な individual and leads to or past their 私的な 所有物／資産／財産 it can be more tricky. You should, therefore, also consider whether it would be easier to make a （人命などを）奪う，主張する on your car 保険, although this could 影響する／感情 your 賞与金.

My bank's 詐欺 team 封鎖するd a 支払い（額） when I tried to buy a sofa ― by the time it was 許すd the sofa had sold out ― now I can only find it for £100 more

Can I ask for 補償（金）?

C.C. Epping, Essex.

封鎖するing 処理／取引s has become an everyday practice for banks and is perfectly 許容できる in most 事例／患者s, 令状s Dean Dunham

Dean Dunham replies: Banks are becoming ますます careful with money 移転s in a 追求（する），探索（する） to 戦闘 the 増大するing 量 of Authorised 押し進める 支払い（額） (APP) scams, where 消費者s are tricked into transferring money from their bank accounts to fraudsters.

Most banks are also 調印するd up to a voluntary code (the 次第で変わる／派遣部隊 Reimbursement Model Code) in w hich they have agreed to take steps to 増加する 顧客 認識／意識性 in relation to scams, to do more to 妨げる these scams and to reimburse 顧客s in 確かな circumstances.

As a result, 封鎖するing 処理／取引s has become an everyday practice for banks and is perfectly 許容できる in most 事例／患者s.

A bank 一般に should 過程 支払い（額） requests within 24 hours unless there are good grounds to take longer. Interestingly, new 法律制定 存在 introduced by 政府 will give UK banks the 力／強力にする to pause 支払い（額）s for up to 72 hours if they 嫌疑者，容疑者／疑う a 顧客 is 存在 scammed.

This is a （疑いを）晴らす 指示する人（物） it is みなすd 許容できる and reasonable for banks to 延期する 支払い（額）s while they 調査／捜査する.

In most circumstances it will therefore be ありそうもない that you could （人命などを）奪う，主張する 補償（金） from a bank for a 封鎖するd 支払い（額）.

However, banks do need to 行為／法令／行動する responsibly and if you can show that a) your bank took more than 24 hours to 過程 a 支払い（額） without good 推論する／理由 and b) you 苦しむd a loss as a consequence, it could give rise to a （人命などを）奪う，主張する.

If you find yourself in this 状況／情勢, the first step to take would be to complain to your bank and ask for 補償（金）.

If it says no (and in most 事例／患者s this will be the 返答 to a （人命などを）奪う，主張する such as this) your next step would be to 宿泊する a （人命などを）奪う，主張する with the 解放する／自由な 財政上の Ombudsman Service. But be 用意が出来ている, your circumstances will need to be extreme to be successful.