Thanks for you very helpful advice. Have now informed HomeServe that I will write to the FSA to inform them that I do not feel that I have been treated fairly. I have only ever asked HomeServe that they honour their original promise to replace my small leaking plastic tank, but now with the added request that they make good the ceiling damaged by the delay. Surely it can't be that big a deal? I have sent HomeServe a CD on which are the conversations that I recorded (not done that before but it did feel that I was being treated extremely badly!). I wait with expectation! Thanks again for your help. I still believe HomeServe is bad for one's health!!

Many thanks for your very helpful posting. What you say makes a lot of sense; basically they are only interested in fixing occasional minor problems, and it seems they have a well rehearsed system for fobbing you off if there is any real chance of having to do anything significant. It has taken HomeServe a month of (still!) ongoing leak from the attic tank to tell me that I am not insured; if they had told me that on day one that would have been fine. The ceiling is now in a real mess, it has not YET collapsed! Currently seeking arbitration from the Ombudsman, will invoke FSA, as you suggest, if no joy. I will indeed tell the FSA that HomeServe have failed completely to 'treat customers fairly'. DEFINITELY the worst company I have ever had the misfortune to deal with!! I have also written to Yorkshire Water as the package is labelled 'HomeServe with Yorkshire Water'. Surely Yorkshire Water should feel some responsibility? HomeServe is bad for your health!!

I have recently had to ask for HomeServe Plumbing and Drainage (as promoted to me by Yorkshire Water) to attend because of a leaking tank. I am a paid up member of several years standing. I wasn't sure if I would be covered, but they told me that I was. Bearing in mind that they advertise a two-hour response time it is staggering that I have been waiting for a month for a response. (Will it ever end?) I have called them innumerable times, waited in for non-existent personnel to make house calls that have not materialised. I have been lied to many times and each of the two companies that together call themselves 'HomeServe' blame the other. If you value your mental health, DO NOT take up any insurance with HomeServe!! My dealings with them are definitely having an adverse effect on my sanity. Please heed my warning!!! I am not joking!!