Hi I have had a great deal of unfortunate experience with this company - any specific questions - I will try and answer. Please note my comments under "insurers" heading. Kind regards Bill and Ben

Hi please look under insurers and I will gladly help with any specific questions

Hi Thank you for your concerns - unfortunately the builder died not long after the incident - but I have evidence that Direct Line and Cunningham Lindsey UK had written to the Builder saying that they were going to reclaim extra costs for employing a new builder and my alternative accommodation costs from him as a result of his inability to make good his workmanship. This evidence supplied to the adjudicator made no difference which really shocked me. ChemDry stated that it was not normal pratice to recommend a builder - but my argument was it may not be normal pracitce - but in this instance it may have occured as the builder was very familiar on the phone with ChemDry - again this seemed to carry no weight with the FSA. The adjudicator asked for certain evidence which I supplied - and although I had no contract I supplied evidence that the insurers were taking responsibilily for GNBS. My argument was that CL (Cunningham lindsey UK) and DL had ended the contract and thus must have held the contract but the adjudicator states that he is not interested in who ended the contract but who placed the contract. As I forwarded the quote with a scribble note they say I held the contract. Also some payments - not all - were made to me to forward to the builder - but that was because they had not (as I believe they should have) - appointed a surveyor who would have performed this function. Sorry it's late and I am rambling a bit - welcome your further comments and questions. Basically all the evidence I produced of negligence and delays by CL has been ignored. I wonder how impartial the ombudsman service is? Kind regards Bill and Ben

In June 2004, my cold storage tank overflowed and flooded my home. My insurers, Direct Line, appointed Cunningham Lindsey UK as loss adjusters. ChemDry was appointed by Cunningham Lindsey UK to deal with the initial remedial work. ChemDry sent a builder to assess the damage. This builder, GNBS, provided a quote to carry out the repairs which I forwarded at GNBS’s request to Cunningham Lindsey UK. GNBS were appointed to carry out the work but not by me. This work was very badly carried out. CL agreed to appoint another builder to put right the damage both from the flood and rectify the badly done work of the first builder. Direct Line have not paid for my costs in full relating to alternative accommodation, building work, storage costs etc. which occurred over a period of two years when I was out of my house. Direct Line claim that the first builder was appointed by me and therefore my incurred costs are not their responsibility. During this period Cunningham Lindsey UK was incompetent; loosing documents and causing lengthy delays. Subsequently, I have referred this matter to the FSA, on two occasions and they have upheld – to date - Direct Line’s argument on the basis that the builder was appointed by me. I cannot prove that I did not appoint the builder, GNBS. I have not taken the issue to the final stage of presenting my case to the ombudsman. Before taking this step I need some advice and guidance on how to proceed. I have less than two weeks to respond.