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  1. Had 250ltr of our hot water tank leak through the ceiling recently. There was a little damage there before (shower leaked a few years ago) but it was too much hassle to fix. Now the damage is much much worse. The insurance are paying for the flooring but are refusing to pay for the ceiling saying I've not experienced any financial loss because it was damaged already? Is this normal? Surely its like saying you can't have a new carpet if its wrecked because there was a fag burn on one corner?
  2. Good morning, I have outstanding balance with EON for £624 and have done since 2016. I have always disputed this balance as it appeared far too high for 2 months bills where I was not living in the property due to renovations work. The last payment on the account was in September 2015. To cut a long story short, I was due to set up a payment plan with simply past due credit who put the account on hold after I questioned EON sharing 6 late payments on my account in 2016. EON refused to refuse the payment markers and I wrote to the past due credit in February 2018 again asking to set u
  3. Last night, an unknown tall vehicle drove past our home and ripped the mains power cable and bracket out of the wall in our house, causing significant damage to the wall and roof. The vehicle failed to stop. UK power networks were very quick to respond and restore power to our home within a few hours, however, the damage to the building still exists. My question is - Does this count as criminal damage, and should we report it as such? Or is it really not worth it? Does the repair bill for this fall on our shoulders?
  4. Ace and Studio customers who purchased optional accidental damage and theft insurance are entitled to a refund Through our own review we have identified concerns with this insurance, which was sold through the Ace and Studio brands, and have notified the FCA. We concluded, along with the FCA that the insurance did not provide adequate value to customers. Therefore, together with Assurant General Insurance Limited and ANV (which is now part of AmTrust at Lloyd's) who were at various times the underwriters of the insurance, we wish to put customers back in the position that they would have
  5. Ace and Studio customers who purchased optional accidental damage and theft insurance are entitled to a refund Through our own review we have identified concerns with this insurance, which was sold through the Ace and Studio brands, and have notified the FCA. We concluded, along with the FCA that the insurance did not provide adequate value to customers. Therefore, together with Assurant General Insurance Limited and ANV (which is now part of AmTrust at Lloyd's) who were at various times the underwriters of the insurance, we wish to put customers back in the position that they would have
  6. The landlords (a company) and I are butting heads about both these issues. Claim damage to furniture: I have had to destroy 3 pieces of furniture due to mould. The mould I believe was caused due to a poor sealing window in our bedroom therefore letting in moisture. The landlords knew about this within a couple of months of moving in and never corrected it. I tried every year before winter to add my own seal but that ultimately fails. And heating the room was so expensive, as I believe there was no wall insulation as there were black spots of mould on 3 out of 4 walls and the nois
  7. After the bad weather a couple of weeks ago, I noticed a damp patch on the ceiling in one of the bedrooms, and upon further investigation, several smaller patches in the back bedroom. So I went outside with my binoculars and had a good look at the roof front and back... I could see no damage, loose/slipped tiles or anything obvious. I got the step ladder out and pocked my head into the loft, and discovered that a load of the roofing felt has ripped away, exposing the underside of the tiles and batons. Contacted the buildings insurance and they arranged a roofer to come out and inspec
  8. A few days ago I completed a few transaction over LocalBitcoins.com to a buyer named Muumbis (currently blocked) who seemed to be a trusted user, had good feedback and 2 months of multiple transactions. The buyer sent me the funds through a PayPal transfer, and then I proceeded to send/release the bitcoins to his account once the money hit my account. These transactions were very profitable to me, amounting to about 40% of profit over the then exchange price of bitcoin. Only after 6 PayPal transactions amounting to a total of around £11000, I noticed that the person’s details included i
  9. Hi All, Need some advice on what to do. On the 10th Nov 2017 my car got damaged a small amount at work one large scrape down to the primer and a few smaller hair line scratches and some of the other drivers paint, I didn't notice it till I got home about 30 mins after it has happened. The person involved didn't come back into the office to report it they just re adjusted the angle they came out of their space and carried on. I was in work on the 11th Nov and checked the CCTV and it was captured on there, red car going into my drivers side wing matching up with the damage.
  10. Hi All, Need some advice on behalf of my partners Dad. There was a gas explosion recently in Blackpool and the street that he lived on story here - http://www.bbc.co.uk/news/uk-england-lancashire-41374322 19 - X's House 21 - House that explosion originated from 23 - Partner's Dad's house Some bullet points outlining what has happened so far; Explosion occurred Damage assessed 21 is found to be un-safe and needs pulling down 19,21 and 23 have scaffolding erected Cause is found (21mm pipe from house owners side of the meter was connected to a 15mm pipe wit
  11. I was involved in a very minor collision whereby someone drove into the back of me. My car was booked in for repair at a local accident repair centre. The other Party's insurer arranged a hire car from Europcar for me to use whilst my car was in for repair. I was contacted by Europcar who gave me a time to meet its representative at the repair centre and told me I would need to sign for the car and provide Identification. On arrival at the agreed time, I was told by the receptionist that the representative from Europcar had already dropped the hire car off. I did no
  12. Hi everyone am posting this on behalf of a family member who is in this situation and doesn't use the internet. family member is a professional for the government. I will just refer to them as X.. X got their car keyed as did all the government team in a hospital car park by one of their service users who has a mental illness. Every single one of the people who got their cars keyed by this person reported it. The hospital captured this on CCTV which they have stated is 1080P sharp and clear and shows this person doing it. The police were called as a result and took th
  13. A couple of weeks ago I had to call a locksmith out (from a call centre number). My key would not turn what appeared to be a jammed deadlock. Using airbags to partially hold open part of the door he used an angle grinder to try and cut through the deadlock but unfortunately the blade was too short by about 2mm. He then decided to use a hammer and chisel with a great amount of force for about 30 - 40 minutes. He aborted the job and I was left locked out. The next day another locksmith came round and used a paddle to hole part of the door open sufficiently enough for
  14. Can anyone advise on whether the following is a valid Pilon clause and therefore imediatly dissmiss under the contract? The company policy is to pay the the statutoury maximunm redundancy payment. Whether or not the notice period will be worked will be at the company discretion. Regards
  15. My husband and I recently moved out of a small 2 bed-semi that we rented for 5 years. The landlady did the check out with my husband - taking almost 3 hours. She pointed out a number of things she was no happy with in terms of cleaning (if there was a slight mark/spot that had missed it meant we hadn't cleaned it at all and it was filthy etc) and reluctantly my husband agreed to £100 'cleaning' bill - signed the check out sheet, as did my landlady. She sent it through to the DPS but due to no internet and started new professional jobs we didn't see it before she cancelled it a
  16. Hi All, Please bear with me. I was made redundant over a year ago, and as a single Mum, I've just started my own business, but am still relying heavily on benefits while I find my feet - financially. Our landlady's told us she's selling the house in June and as we've been here for 5 years and are so happy and settled, I'd love to somehow be able to buy it. The house is expected to go on the market for 220K. My mum recently sold her house and has a 30K deposit she can give us and I'm now considering the following options: 1. My ex, who earns a good wage (100K) can 'Buy to
  17. Dear CAG members, I hope someone here could help us with something urgent. We only have been given 7 days for this. We hired a SIXT car from London for 1 week. When my partner and I collected the vehicle the vehicle was very dirty. I said I didn't mind it, as I didn't want to wait for 30 minutes for the agent to clean it. However, my partner said that we should have them clean it, so we could see the damages that are already present. "Fair point..." the agent said, "...but remember you have paid a premium for zero excess, so it doesn't matter what damages are present already, as any
  18. I've never done this before so please bear with me if I provide too little, or too much, information. In December my Parent's hot water cylinder sprung a leak, they had home care with British Gas so called them out. An engineer came that night to drain the tank and another engineer came the next day to do the repair. The work they completed was done, to our limited knowledge, correctly. However, the second engineer failed to store the loft ladder away properly - he failed to insert the locking pin to prevent the ladders from sliding apart. When my Father op
  19. Hi everyone, I was hoping somebody could lend some advice on a situation we're having with Currys. We have a iPad and we pay £7.99 a month for Currys WhateverHappens insurance. Last week I bumped it and it fell off the side of the bannister down onto a concrete floor. (We're currently redecorating and it's two flights down) My partner left it into Currys to sent it off to be repaired and today they've gotten back to us stating there refusing to repair the iPad as "the damage is inconsistent with the statement given". According to the guys in the tech l
  20. Hi all, About 12 months ago my partner and I bought three ceiling lights from Dunelm and fitted them using the recommended bulbs. Over the past 12 months dark stains have appeared on our ceiling above each bulb. A sample light was sent back to Dunelm who investigated the issue with the supplier and eventually accepted liability, offering to pay to have our ceilings repainted. This is all great and we're happy with the service. We obtained quotes and sent a middle-of-the-road quote to Dunelm for approval, however they refuse to send me the money, instead insisting the money is pa
  21. Hi all I need some advice on an issue that I have with Sixt. I will put in all events to hopefully give the full picture. 15th Feb hired a car at my local Sixt car hire office for 24 hours. No excess waiver taken On checking the car with the employee I noticed some scratches on the front reg plate and bumper. I was told that these slight scratches did not count as damage. I signed the employees pda computer and was given the keys. No paperwork except the reciept that I signed in the office prior to going to collect the car. I did not have a camera to use at the time. T
  22. I had repair or replace insurance on an American style fridge freezer with d&g and had to have it replaced they replaced it with one from hot point and gave me one with water and ice which was a bonus however I had to pay £79.00 for delivery and install and I asked if that was a complete install and was told yes! I phoned hotpoint to book a time and was told it was a special team that had to book it as it was an American style unit I spoke with them and confirmed again it was a full install again I was told yes. Imagine then to my dismay that when it was delivered the delivery
  23. I am writing on behalf of a friend of mine. He has bought a car about 6 months ago, he is very happy with the drive. He booked it in for a service and the dealer pointed out the right hand indicator was flashing red the car is due an mot next month so he booked it in for a replacement. He recived a call from the dealer who sent him pictures of when they removed the bumper substantial damage was found, it seems the car had been in an accident and repairs were made and what was hidden by the bumper is in a pretty bad shape. He spoke to the finance company who said it is nothing to
  24. Dear forum memebers thank you for stopping by to check out this thread . I left a company that i was working for sometime in June. I worked there as an engineer and had a van for works use. On my last day i handed my van back in same condition as received. We inspected the van and manager was even surprised that i washed it inside out and it was all good. We had a informal meeting with the company owners , they wished me all the best and that was that. 3 months later i received my final pay payslip and discovered that they made a deduction of £350 from my final pay .
  25. Needing help with regard to which route to go down to get back my refundable damage bond. To cut a very long story short, I booked a short caravan break through a private owner website. Paid the full amount upfront, included in this was a refundable £75 damage bond to be returned within 7 days of leaving the let, if left as found and damage free. I paid for the holiday with my credit card as refused to pay by bank transfer. I contacted the third party by email to book the holiday and paid by card over the phone, she said that the money would be paid into the owners account on the holi
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