Train delays, cyber-attacks, bank fraud, flight delays all seem to be increasing and costing us dearly.

But too few of us get redress even though compensation is readily available.

It is estimated that around £100m available for delayed rail passengers was not claimed last year despite the number of delayed and cancelled trains increasing.

Every day we hear about cyber outages with bank customers unable to access their wages, pay direct debits and incurring penalties and interest charges into the bargain. Any additional costs should be covered by the banks involved and if the outage caused distress or embarrassment they should make that good as well.

Too many of us do not claim when we suffer poor service. And the companies get away with it and do not feel the need to improve their systems.

The more they pay out the more likely they are to invest in providing a better service or to avoid regulatory penalties and public scrutiny.

You can help them to offer better services.

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