At this stage I will not be going public with the insurers name. I was going to pay the surveyor direct but was told the insurer was paying his bill under the policy. As far as his report went, it covered some of the items and seemed to make sense. At that stage I really did not know much about subsidence. It’s been a learning curve. I did not want him involved with the work as I been told the problems would reoccur in the future as the repairs were insufficient. Actually I think it was him that said this. So I had decided that the loss adjuster firm should deal with the works that way there could be no come backs. Plus at that time I did not have money to bring on a surveyor full time. The surveyor appointed the contractor. A small amount of structural work was done the rest was just a cover up job. Not even done to a reasonable standard. The contract has spanned a fair while. I hope this helps.

At this stage I will not be going public with the insurers name. I was going to pay the surveyor direct but was told the insurer was paying his bill under the policy. As far as his report went, it covered some of the items and seemed to make sense. At that stage I really did not know much about subsidence. It’s been a learning curve. I did not want him involved with the work as I been told the problems would reoccur in the future as the repairs were insufficient. Actually I think it was him that said this. So I had decided that the loss adjuster firm should deal with the works that way there could be no come backs. Plus at that time I did not have money to bring on a surveyor full time. The surveyor appointed the contractor. A small amount of structural work was done the rest was just a cover up job. Not even done to a reasonable standard. The contract has spanned a fair while. I hope this helps.

Get an assessor on board as quick as possible they talk there language. I didn’t and it cost me dearly I only got 1/4 of what was owed under the policy

Thank you for your time, yes I believe I need an assessor. Finding one that would take this mess on maybe hard, but it has to be done. The original report speaks volumes. I never agreed any changes in fact I am still arguing the changes made. They have completely ignored me. The house was left in a mess and unfinished, the insurers paid the contractors and the surveyors. .

Hi thank you for your response. I first notified the insurers, but when they started saying things were historic it was clear I needed expert help. I asked a surveyor to give his opinion on the house and his conclusion was subsidence this was approx' 1 year after the claim was made. I then forwarded his report to the insurers. Next thing I knew he was appointed by them. I informed both the insurers and the surveyor that I was not happy with his appointment and have done this throughout the claim yet they continued to work with him and even offered him other work in my company. Apart from his report this was the only instruction I ever gave him, he just injected himself into the claim and forwarded his invoices to the insurers. I have no contract with the surveyor in fact if he was in my employ I would have sacked his.

You maybe able to claim this £60.00 back on the policy contact the legal team dealing with the original accident.

Do you know what the £60.00 payment is for? If it was me I would write to them asking what the £60.00 payment relates to. I would also phone my bank and have the direct debit reversed under the guarantee until you receive an explanation. Then pay the £60.00 when you are happy with the explanation (only if owed). If you are not happy, raise a complaint with them in writing. But get legal advise as well from CAB. Good luck

Thank you, I will contact RICS for advice. The FOS and the insurers defence was he was my surveyor even though I had no contract with him. So I will present this to RICS and see what they say. I think it maybe a case of being a square peg tring to fit a round hole, but I will give it my best shot, fingers crossed. Thank you for your time

After looking at all your comments my conclusions re my case with the FOS seem founded. All financial institutes are happy for you to go to the FOS, leading me to believe they do not fear the FOS authority, which kind of leaves us without a voice when we are trying to resolve stressful situations that could have huge impact on our lives. Both the FOS and the financial institutes governed by them are playing tactical game with us. With my case it crossed my mind that the FOS worked for the financial institute. None of the evidence I presented was even considered. The financial institute gave a report and the FOS went with it to close the case. A complete waste of time.

Sorry to be a pain- With my surveyor I originally only appointed him to do a survey of the property. I did not go into a contract with him or appoint him to oversee the work- the insurers did that. Am I still able to report him for his part in this? Also, I have requested a copy of my policy many times from the insurers and the mortgage provider but it has never been forth coming. The FOS also requested it, I asked them to forward me a copy but they have not. I was never given an original copy when I took the insurance out. Where can I get a copy of the exact worded copy?

Thank you for your response, yes you are right I will do this part myself. In fact I will need to do a lot myself and save the big guns for the finish. Thank you, it is very easy to get caught up in issues and sometimes it helps to air things to get a better prospectus on things.

A sweepstake might not be a bad thing, take my mind off all of this unnecessary stress. But I think you could be right. The FOS was out of their depth on this one. It is a shame insurers can not be held accountable.

Thank you for your advice. All the comments have helped to point me in the right direction. I will bring a Loss Assessor on board and contact the mortgage lenders to put pressure on the insurers. As for my so called surveyor I think you are right he dose need to be reported for his part in this. Once I have the Assessors report I will contact my Solicitors to take action. Thank you to all for your advise. It is likley to be a long afair and I will try to keep you up to date with the out come. Thank you.

Yes there is a lot to the story. Firstly no one would quote on the job due to the budget placed by the insurers, and then when they did they had no alternative but to cut corners and go for a face lift of the property thinking this would get passed me as I was out at work during the day. I guess having a recession in the middle of this did not help. At one stage builders cost across the industry did rocket and the insurers were not will to accept these inflated prices. As it was it took 1 year for the FOS to come on board, I have to say I was gutted with the result and how little they could help.