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Found 12 results

  1. The story so far- Discovered we had a leak as could hear water moving through the stopcock in kitchen, rang insurance who informed me we were insured for the water damage but not for locating and fixing the leak. I discovered a leaking pipe under the concrete floor slab in the kitchen, i had to get up some tiles, take out kitchen units and dig up a section of floor to access pipes and temp fix it. We the noticed the walls behind the units were very damp and mouldy, the skirting on the wall opposite was also then noticed to be swollen (mdf) and the mdf wall paneling in loun
  2. Hi, just after a bit of advice here. I have been behind and over my limit for about 12 months but had been making regular payment all be it not enough for my account to be up to date. Today I recieved a letter. It said the following. Overdue amount: £..... IMPORTANT YOU SHOULD READ THIS CAREFULLY Notice of Default served under section 87(1) of the consumer credit act 1974 Youve broken your agreement ........ You must pay the amount overdue shown above. This payment must reach your account within 28 days of this letter. If youve already paid this or have ma
  3. Hi, Anyone with any experience of proving a flood for insurance purposes due to heavy rainfall. I have had damage to my property due to water rising up through the floor every time we get a heavy rainfall. It is not rising ground water. It seems just to be surface water. Zurich has said I'm not covered, because I can't actually prove a flood and that my damp proofing is not adequate. Does anyone know if any experts (not too expensive) who can help with this. My building surveyor was useless. And does anyone have experience of Zurich buildings insurance. Are they usually quite reasonabl
  4. Hi, I would really appreciate some guidance on how best to deal with loss adjuster handling my claim. My bungalow suffered with flooding following the August Bank Holiday 2013, storms. I had up to 1ft of water throughout the property. All the furniture in the house had to be removed. This included bed, fitted wardrobes, fire surround and gas fire, dining table etc. The sofa was also flood damaged but was left in the property to leave me with something to sit on. However, this has since fallen apart. I also work from home so had to put together a make shift desk from a plank of wood fro
  5. The Royal Bank of Scotland and NatWest are offering borrowers a three-month mortgage repayment holiday for people affected by the floods. The bank will also send specialist business support teams to affected areas to help small and medium-sized businesses with short-term financial problems, to help them as they carry out urgent repair work and deal with loss of trading income. More: http://www.mortgagestrategy.co.uk/news-and-analysis/mortgages/rbs-offers-flood-victims-three-month-mortgage-holiday/2006568.article
  6. The Association of British Insurers and the Government today struck a new deal to develop a not-for-profit scheme called Food Re to make sure flood insurance remains widely available and affordable. The new agreement will put a cap on flood insurance premiums and link them to council bands. Flood re will charge member firms an annual £180 million, representing a levy of £10.50 on annual household premiums. The aim is that Flood Re will be up and running by summer 2015 and last at least 20 years. Until then, ABI members will voluntarily continue to meet their flood cover commi
  7. Failure to reach flood insurance deal is 'playing with people's lives' Government accused of game of bluff with insurers as thousands of flood-risk properties could soon lose cover The chairman of a national charity that helps householders affected by floods has accused the government of "playing with people's lives" as it looks increasingly likely that thousands of homes will be without affordable insurance from July. Last week environment Secretary Owen Paterson admitted he was disappointed at failing to secure a new agreement over the insurance of homes and businesse
  8. Had a flood in the house and insurance-provided drying contractor didn't inspect or mention the underfloor space in their scope of works. Asked another drying contractor to look and they actually made holes and inspected the underfloor space. When raised the concern to the insurer about the scope of works they said that drying the room above with dehumidifiers will dry the underfloor space as well. Is that physically possible? The floor is quite thick wood. It also didn't align with the insurance contractor saying that if we want to add underfloor space to the quote it will be for t
  9. The claims bonanza surrounding payment protection insurance (PPI) shows no sign of abating with the financial ombudsman confirming it expects to rule on twice the number of complaints as predicted this year. The Financial Ombudsman Service (FOS) is now telling claimants that they face waiting a year to get their money back thanks to the flood of claims. The ombudsman normally has a target of settling claims within three to six months. A spokesman said it expects claims for 2012-13 to be twice the 165,000 predicted at the start of the year. Read more: http://www.dailymail.co.uk/money/c
  10. Hi All I bought a sofa from Paul Simon on Thursday on my debit card. The sofa is an ex-display model. I declined their delivery service and arranged my own. My courier company called me from outside the store to say that the store has been flooded and the employees were sweeping the water out of the shop with brooms. My question is how long would I be expected, by law, to wait before I can cancel the order? Thanks
  11. My friend lives in a small block of flats (all owner-occupied). They each have their own contents insurance, but the building insurance is paid jointly via the service charge. His washing machine has flooded the flat below. Is this something that is covered by their joint building insurance or the contents insurance of the flooded flat? The insurance company wants proof that the machine has been fixed. If the problem occurs again, who is responsible?
  12. Hi, i recently purchased a used car from a private garage in London (Shahid Motors) for £2,900. I still have not received a receipt for the car, even though its been 2 months since I purchased it. There was a delay with payment (due to merchants fault) and I was promised a receipt after payment was cleared. I paid using my debit card so have proof of purchase though. A few days ago, it started to rain and the boot of the car was completely flooded! I took it to the garage, assuming there was a small hole somewhere but was horrified to discover that the car was involved in a accident. If y
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