Jump to content

gavva2010

Registered Users

Change your profile picture
  • Posts

    29
  • Joined

  • Last visited

Reputation

0 Neutral

Recent Profile Visitors

The recent visitors block is disabled and is not being shown to other users.

  1. That makes sense, thx all for the helpful replies to this issue, will chalk this up to experience.
  2. I see, well thanks for helping clarify this, I suppose what sticks in my throat a bit is the fact that they originally mentioned they may "goodwill" the claim, or words to that effect, before coming back with a hard "no". Thanks for the advice here, not a lot of sense in taking it to the Ombudsman I'm thinking.
  3. I chose not to take out buildings insurance for financial reasons, I'm the freeholder not a tenant, & the contents was taken out by myself, it's an AA policy, underwritten by Zurich. I was informed by the claims handler if the hob was freestanding, or built on top of a freestanding cooker, then it would have been covered. This seems like an arbitrary detail to me, not really impressed with how it's been dealt with. With the 'fixtures vs fittings' argument, as the hob is not mechanically fixed, by that same argument surely a TV bolted by a VESA mount to the wall would equally become part of the building in this scenario?
  4. I just received an email from Zurich, stating: "Dear Mr.********, As stated by my colleagues yesterday this claim is not valid under contents insurance. It would be covered under buildings which unfortunately you don't have. As stated in the buidlings coverage booklet: What is covered 9. Accidental damage to: • ceramic hobs or tops on free-standing cookers A member of our customer care team will contact you to discuss further and will provide all neccessary info for contacting the Financial Ombudsman Service." This just feels like a complete cop-out by them, not happy with this at all. Do I need to request a "final response", as this feels like a flimsy reply at best.
  5. Hi all, I have an AA home contents policy underwritten by Zurich. On Sunday 15th I accidentally knocked a glass bottle of cooking oil over, cracking my induction hob (which has only been installed for 4 months). I contacted Zurich on the 16th to report the accident, & make a claim on my contents policy. I was initially told that as the hob was fixed to the worktop, (& not freestanding) it would come under a buildings policy (Which I don't have). I mentioned that the hob is not mechanically fixed to the worktop, rather it sits in a cutout with a rubber gasket beneath the glass, & I could demonstrate this with a copy of the installation manual. I was advised to contact the manufacturer regarding this, which I did, & they advised that as the damage was by way of an accident & not a manufacturing defect, they weren't going to cover it. I sent Zurich email pics of the damage, a copy of the manual (to prove installation method), a copy of a quote for a replacement, a quote for the removal/repair, & all other necesary info. Zurich called me yesterday - 17/01 - & said they wouldn't accept the claim, as the hob is fixed not freestanding, they then also stated that because I'm the homeowner & not the tenant, this also means they won't cover the damage. I made them aware I wasn't happy with this, & lodged a complaint there & then. I'm unable to cook food currently as the hob is unsafe to use, & I believe I'm being fobbed-off here. They said they will ask their complaints team to expedite, I've been through the documents for the policy & cannot find anything that relates to their reasons for denying the claim. Can anybody help here, I believe I can approach the Insurance Ombudsman if their complaints team upholds the decision, are there any other processes / procedures I could possibly use? tia for any advice.
  6. Thx unclebulgaria, I've been away for a few weeks - the claim value is around the £1200 mark. I have already made the additional payment over the phone to them, however the claim has still not been settled. The season is essentially over now, I won't be taking any further insurance out with Insure4Boats/Ripe, it's just ridiculous that it's taken this amount of time. I don't have proof that they said it was "just a wording issue" to quote them, as I had called them on the phone to query this. I now wish I had emailed, as I would have a copy of their response to refer to. I didn't mention "payment under protest" during the call, would it be best to email them making them aware of this?
  7. I have a small boat kept at my local marina, insured with insure4boats. I made a claim after an incident in mid-July, & asked that the claim be fast-tracked as the boat is unusable until it's repaired. The premium paid was around the £140.00 mark. I was contacted by Insure4boats earlier this week, & informed that the policy I have is incorrect, as it is for "inland use." I had called them back in June to query the policy wording, as the Marina is situated on a Tidal river, & this seemed incorrect. I was advised on the phone "this is a wording issue, the policy you have is correct." They are now demanding a further payment of £138.00, & said they will continue to "consider my claim" once this payment is made. This would make the whole premium around £280.00 for this year. I have just ran through a comparison site, where the cheapest premium is £196.00 for the year, & the most expensive £281.00, on a like-for-like basis. had I been quoted this amount back in June, I certainly wouldn't have used them. I have emailed them, telling them I'm not prepared to pay this further amount, & had no response back. Can anybody advise on this, I'm prepared to go to the Insurance Ombudsman, & if necessary to the small-claims track of the county court, or MCOL, both to recover the money paid for incorrect insurance policies over the past 3 years, & also to force them to honour the claim made. I am now minded to cancel the policy altogether with them, & seriously regret having any dealings with insure4boats. On the Policy schedule, it clearly states "If any of the details are incorrect or have changed please contact us immediately by telephone 0800 668 1661". This is exactly what I did, to query the "inland, non-tidal" aspect of the policy wording. I was assured this was not an issue, clearly by somebody who actually had no idea. They were provided the name & Location of the Marina when the policy was taken out, & the fact it was situated on a tidal river in England. They now claim "I took out the wrong policy". I am extremely unhappy about this situation, & would appreciate any advice you can give.
  8. 3 years ago, The bungalow whose Back Garden backs onto my Back Garden was cleared & 3 houses built in place of it. Due to the height of the road they were accessed from, the ground level has been raised by 400mm, with soil up against the other side of the back-garden Fence. The fence was pre-existing, & not replaced during development. The fence & posts are now all badly rotten, & have failed completely. Prior to this, they were all sound. I spoke to the owner of the Building contractor who built the houses, & he advised they were told to leave the fence by the developer/land owner, even though the other 2 fences (either side) were replaced. I have approached the guy who developed the properties, to request that he pay for a retaining wall, as I have been told that a fence & gravel-boards will not hold the earth back on the rear neighbours' side, & this is going to cost a few thousand pounds. (quotes obtained by landscapers) Can anyone advise where I stand legally, as the developer has said he doesn't accept responsibility, now that he's sold the house. (sold in late 2016). I would like to know my legal position here. I have obtained land-registry plans for the new property, & there is a strip at the end of his Garden (between his & mine) of 1-1.5m, which he doesn't own. This has been confirmed by the Architect, & the owner of the building company who built the houses. Both our plans say nothing to define who owns the boundary, no markers at all. My place was built in 1994, the pre-existing bungalow was built in the 50's, & the new places were finished in 2016. I have prepared a letter to send, which details the fact that the rotting of the fence was caused by the earth piled up against the other side of it, & that a retaining wall is now required. The letter will provide him a period of time to provide a solution to this issue. I also tried to locate the topography for the site, however (curiously) it was never added to the planning portal of my local gov. website. I requested this from the Architects, who refused to provide it. I'm aware that the statute of Limitations for negligence, under the law of tort, provides a 6-year period, which we are well within. If anybody can give any advice here, I'm researching MCOL & the small-claims route in the county court, if no compromise can be found.
  9. I went into Branch on Thursday, to drop the additional proof of entitlement in, spent 45 minutes sitting there whilst they were on the fone to Fraud dept., only to be told "we're having trouble with this, we'll call you". I then got a call later, & was told to call the fraud dept. Directly which I did, & they now said "actually you're not getting the funds back". So I'm £685.00 down currently, the account has not had the original seized funds added, & currently shows a negative balance of about £100.00. Then Yesterday I got a call from the exec team office, from somebody whose been across the whole sorry tale, & basically said they uphold the Fraud dept.s decision. He again said "we believe you're an innocent party in all of this". I mentioned I wanted recompense for the time wasted dealing with the useless Fraud Dept. & he said this would be declined. I requested a letter from him outlining this, & told him to mark it "final response". I cannot use the words on here to describe my opinion on this useless outfit.
  10. It was from [email protected], so thx to you for the idea HB, a reply within 24hrs from that address. It'll be Tuesday at the earliest now I think, also the Branch called Yesterday to request proof of ownership for a further 4 transactions made since the disputed transaction. I have the info to prove, but it's a massive headache trawling back through trading history to locate, print out, & notate these so they can make sense of them. All the time & materials I'm spending doing this are being noted, & form a compensation claim for loss of earnings, as part of the complaint, & I will make the exec complaints team fully aware that I expect to be recompensed for this.
  11. UKDomains that's a great shout, I'll open a support ticket on LBC & hopefully they can provide that information. I've just spent 2 hours in branch, it turns out the fraud dept. never received the proof of entitlement that the branch scanned & emailed to 2 separate email addresses given. That has led to the 3 chargeback amounts, & once again the girl on the other end of the phone had "no idea" about the £685.16, & said "it must be a calculation" well that's good & vague. I have the name of the person in branch I've been dealing with (who has been great btw, & has suffered through this this with me). Also, by sheer coincidence, she was dealing with the very same rude woman in the fraud dept. who refused to give me her name the other day, but did provide it to the lady in Branch. So now I have that in full, & her employee ID. I did query with the woman in branch, why TSB aren't backing a customer who has proven beyond any doubt that the transaction was legitimate. Her response? "I got the strong impression when I called the Fraud dept. on Monday, that we've already reversed the funds to Monzo Bank, this is why they want you to pay the money back into your account." Well how stupid is that, based on what can only have been a verbal claim by Monzo's customer, this has led to TSB saying "here you go". & then asking me to kindly underwrite their own stupidity. I have also just received this by email: Hi Gavin Thank you for your note and for contacting me about the difficulties you’ve encountered with TSB.   I have passed your note on to my Head of Customer Service and asked her to ensure that either she, or one of her team, contact you as soon as possible.   Thank you once again for contacting me.   Kind regards   Debbie   Debbie Crosbie CEO, TSB
  12. UKDomains Yes I've not only reported the buyer & had his LBC account closed permanently, but I've printed this out & forwarded it to TSB.
  13. They said I needed to pay the funds back into the account, but the funds had already been transferred into an account for a private purchase (nothing to do with my trading business), that purchase has been made, & even if it hadn't, I told them the funds are rightfully mine & I have proved this beyond any shadow of doubt. The lady in branch did mention "in that case, TSB takes the hit for that money". I told her that was ridiculous given the PHOTO ID of the buyer & ABSOLUTE proof I had provided, but it was their shout. It now seems they've decided to remove as much as they possibly can from my account, including all the overdraft, plus £65.00- odd that has put it beyond the agreed overdraft. Quite what the point of that is, I don't know, they can whistle - I want my £579.00, & if necessary will LBA them & take it into court. The fact that this has just happened, with no contact, no communication, is frankly laughable. I am completely done with them, I cannot see any point in going into Branch tomorrow anymore, I've wasted enough time on them. I'll see what (if any) response I get from the exec team & complaints procedure, failing that I'll advise I want a final response from them & take it to the Ombudsman & FSA. If by any wild chance they side with TSB, I expect I will take my entire business into Crypto, cease trading sterling entirely, & never ever deal with any UK bank, ever again. I trade with UK-based traders who have already done this, & they haven't looked back.
  14. That's a good shout, I've done that. I'll update on here if I get a response from either.
  15. Thx for that, I'll give it a try, I don't hold out much hope with the usual complaints process which I've complained through, I need someone high-up to get involved with this.
×
×
  • Create New...