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    • Thank you both, I will make those changes. I have also downloaded the compensation list to add to the evidence and complete the protection bit off their website.  I am going to court next Thursday to deliver the bundle; I will confirm this on Tuesday. I have been to court a few times to represent the military when a soldier is in court, but I will be going. Thank you for all the additional advice. Once I have the whole bundle, I will email it to the admin email. Ill be honest, this is not about the money for me, I do not mind losing that, so I will not be signing a confidentiality agreement.   You guys are amazing
    • Actually there wasn't a massive amount of work to do on the WS.  The "meat" was there because of the great work you'd already done. Here is a version which I think is nigh-on finished. However, with Easter there are a few days for the other regulars to suggest tweaks. Defendant WS.pdf
    • Hi all, We bought a part to fix our washing machine approx 13 months ago direct from the manufacturer of the washing machine via phone. This part then failed 13 months later, as confirmed by their own engineer, who was sent by the manufacturer (who is also the retailer for the part) FoC. The engineer actually installed a replacement part, the machine came back to life, but they then removed the part used for testing (and ours reinstalled) as "we would be charged for it". The retailer are refusing to replace the part, stating that they only warranty parts for 90 days. When I stated that I believed the Consumer Rights Act gives me longer than that, they insinuated that it did not, and this was repeated by many representatives. AIUI for goods bought more than 6 months ago, I need to get an engineers report to confirm the part has failed? Or that it has failed due to manufacturing issues? Or would the companies own engineers report suffice? Also, does anyone have any other decent contact details for Hotpoint (or the Whirlpool group)? Thanks, GH
    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
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Buildings Insurance... please help!!


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Hi All, Just got my buildings insurance renewal quote for £326.40 :o. I checked with my neighbours and they all pay around £216 for exactly the same cover, broker and type of property. We are all obliged to insure with the landlord's nominated insurer (leasehold properties).

 

I checked with the broker and they want me to speak to my landlord, my lanlords are not interested and either way they want me to pay that amount for the same construction.

 

Any views on this please?? :confused: HELP!!!

 

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It could be due to any number of other rating factors, your age, your occupation, if you have anyone else living there, their age and occupation.

Could be that your property may have suffered some kind of loss years ago like subsidence or flood and the other property's haven't.

The company will look at each property on an individual basis so for whatever reason, they have determined that yours is a higher risk.

I don't think you'll ever really know as the broker cant discuss your neighbours policy's with you due to the data protection act.

 

 

DA

If you find the advice I give is useful, then please feel free to click the scales :)

 

"It is better to keep your mouth closed and let people think you are a fool than to open it and remove all doubt" :)

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But how do I start this... I can not pay this amount without knowing why I have to pay more.

 

Surely the property above rests on mine and if there are concerns of risk, why the others pay less?

 

What can i do?? I can't afford this premium

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As i said, its down to the underwriters to determine the risk and therefore the premium they charge for your policy. The only way to find out is to speak to the insurance company and for them to compare your policy to a neighbour with the same property/postcode etc and see why there is a discrepancy in the premium. However, due to the data protection act, they wont do this.

 

I genuinely cant see any way you can deal with this other than to log a complaint with the company and see what they say then.

 

DA

If you find the advice I give is useful, then please feel free to click the scales :)

 

"It is better to keep your mouth closed and let people think you are a fool than to open it and remove all doubt" :)

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I wrote to them asking for a detail breakdown and information of any previous claims or concerns, lets wait and see.

 

If i get no where i'll be back to you all... thanks for your replies.

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We are all obliged to insure with the landlord's nominated insurer (leasehold properties).

 

Any views on this please?? :confused: HELP!!!

 

 

Although I haven't dug into this, I think that it will be illegal just as it is with travel companies, airlines, banks and financial institutions.

The landlord could insist on a certain level of cover, but not the company you go with.

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  • 2 weeks later...

We managed to make some adjustments to my buildings insurance premium and now I'll pay £266 from £326... the sum insured was higher than requiered.

 

The new thing is, can claim back the overpayments made for the past 3 years on this policy?

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We managed to make some adjustments to my buildings insurance premium and now I'll pay £266 from £326... the sum insured was higher than requiered.

 

The new thing is, can claim back the overpayments made for the past 3 years on this policy?

 

I very much doubt it, I'm afraid to say. The cover has already been provided, and if you had a claim they would have been liable to pay out.

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