Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
My television was accidently damaged by my 6 year old daughter who spilt water on it.
The following is a quote from their letter advising me of their position.
"The engineers have inspected a Sanyo television and advised that the television is currently in full working order. It can be confirmed that liquid damage is present on vital operational componants; however, all are currently working to their specification. In conclusion, as the engineers have advised the television is in working order as per manufacturers' specification, we regret to inform you that we will be unable to provide any financial assistance on this occasion."
I phoned and requested details of the damaged componants, an assurance that there was no risk of injury to anyone using the television and confirmation of a safety test endorsed by a registered body with an accompanied sticker (as we have to do at work with all electrical appliances) showing date of inspection and the inspectors details.
Their response was that the report belonged to them and I could not have a copy, no further testing would not be conducted and that I should consider their returning of the television as an assurance that it is safe to use.
I have never claimed on any house insurance policy before, and am very annoyed that they can take this stance, after all why am I paying for accidental damage on my policy when they can just do this.
Instead of 'phoning them write in asking the same question if they reply stating the same you will have in writing the fact that they are satisfied that the TV is in a safe working condition. Then (heaven forbid) if anything were to happen you will have them by the gonads.
As an aside, in most cases where water has entered an electrical appliance as long as it has thoroughly dried out & there has been no shorting it will still work safely.
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Household Insurance - Problem.
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