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  1. Hello, I had work done by a builder about a year ago, but since then I have had nothing but problems. The beams in the roof have not been installed correctly, causing major cracks in the loft room and below, the windows have not been installed properly and many other issues. Does anyone know if this sort of thing would be covered by a builder's product liability insurance? He built and installed my roof incorrectly and also installed my windows wrong, which in turn has affected by brickwork. Given that he built and constructed my extension, does that mean any faults fo
  2. nhs contracts? Hi all, i am now working in the nhs as part of the theatre department and in doing so signed the usual contract agreeing to working on calls, late shifts and weekends etc, the problem is that some staff are not taking part in this arrangement because of various reasons ( my cats scared of the dark or little johnny wets the bed) sanctioned by the managers and therefore the remaining staff are having to work extra shifts to compensate. My question is, are we all being treated equally and do we have any basis for taking action against the management. Any h
  3. My mother of 82 took out a Policy with yourrepair in July this year She had swapped from a previous cover as it was getting a bit to expensive for her. She saw yourrepair online and read the reviews and all seemed good so She chose top cover as it was still cheaper than previous care cover. Now she has happily been paying for a good few month with no problems. The boiler has now incurred a problem. It keeps cutting out leaving her without heating and hot water intermittently. She made a claim online as there doesn’t seem to be a telephone number. She was told an engine
  4. Hello, I got a pension savings pack from my father now passed away for a large sum. The policy seems legit with a policy number, its a defined contribution policy and it has payable before death of pension age. I thought the lawyer dealt with all his affairs turns out he didn't. So, what does the law say on pension savings for someone who has deceased do the next next of kin, children inherit it just like property rules of intestacy? Thanks.
  5. Hello all. Excuse me if this is a really silly query but I have been chatting to someone at work who told me this might not be allowed so am asking here in case I need to take it further. My employer has a sickness policy where sickness is counted in a 12 month rolling period. However, is it allowed to count 1 time of sickness twice? My employer states 3 absences (or a total fo 60 hours) triggers a "stage". This happened to me, I was off for 3 different times with sickness, the last date being 06/02/2017 - this triggered a "stage 1". Then I was off sick in
  6. Hello all I banged off a ppi enquiry to every single company that I had ever borrowed from, in case, although I'm fairly sure I always declined any extra services. Egg/One Canada Square replied last to say that I did have ppi on a very old credit card back in the day. I complained and today got a letter saying that my complaint was upheld but there was nothing to refund as no premiums were ever applied, something like that. Does that sound sensible/likely? If I dig out some old statements will it show on them as a separate line? SAR? Thanks Micky
  7. Hi.. I am insured on vehicle and my current insurnce compnay will not transfer me to the car I want to drive, they even said no one was coming back with a quote as I was uninsurable... I knew this was rubbish. I went on go compare and got a quote for £995 (still high but given my circumstances I knew it would be about that). I have a short while left on my current policy, I want to know am I good to get another policy out before old one has ended? i am giessing yes?).
  8. Hi all I've just been pulled up by the police who told me, to my surprise I had no insurance on my car. Our insurance was up for renewal in January so we let it automatically renew. £200 fine and 6pts on my license I came home to see what had happened. I have been driving this car for 3 years now. The Insurance company (first Central) told us on chat (can't get hold of them by phone) the details were correct that only my husband was insured. We looked for emails regarding policy documents etc. They said that they got details from confused.com and that's ho
  9. Can insurers take the excess twice for the 1 claim? I have queried a settled claim and the insurers have decided to pay me a 2nd payment but deducted the excess again. I thought they could only take it once.
  10. Hi all Had a standard life endowment back in 1989 , stopped paying it probs 10 year into it, not got any details of old policy , is there anyway I can get policy details from standard life cheers
  11. I took out a policy on my car 2 years back for alloys and light scratches to the body work. Last month I ended up scratching the alloys and scratching the rear bumper. I reported this last week and was advised that they would not entertain the claim for the following reasons 1. The claim for the alloys needs to be reported within 14 days. I missed this by 2-3 days. I simply wasn't aware of this. 2. They claim the rear bumper is two panels where as its one rear bumper with a silver edging going across it. They don't cover two panel claims. its not two panels. A p
  12. https://www.gov.uk/government/publications/penalties-for-social-security-fraud-and-error/penalties-policy-in-respect-of-social-security-fraud-and-error#introduction Dated 14/07/2017
  13. I had a bit of a battle as I think I narrowly missed being a victim of the 'refund spoof' but because I fought hard and won my appeal against the buyer who initially opened and won a 'Returns Case', I successfully got it reversed and they sent me the following message and I'm not sure how to interpret: ""We've reviewed your concerns and have reversed the outcome of the case. You don't need to take any additional action to reimburse eBay for the refund paid to the buyer, and eBay will make no further attempts to seek reimbursement from you. Because we decided in y
  14. Well done those lads, how ridiculous - A Head Teacher of a Devon School threatened to put any boy who turned up to school in shorts in the recent spell of heatwave weather, into Isolation ! But sarcastically said they could turn up in skirts.. so a group of 5 did. Apparently 50 more of them were frantically trying to borrow skirts from their girlfriends and sisters to wear to school today Read the full story..
  15. Hi. im after some advice on how to proceed against SCS for what i believe to be unfair terms/treatment. We went to the store on Tues 30 May 17, approx 20 mins before the store closed. Having seen a sofa set (3 and 2 seater) we liked, we decided to place an order using the 0% interest payment option over 48 months. The salesman was in a rush to push the order through due to the fact that the store was soon to shut. In a nutshell, 20 days later we wanted to cancel the order in total due to no longer needing the sofa. I rang the store to advise and i was told that SCS
  16. Why take any dispute to the Ombudsman , is it worth the trouble? For the 3 time of trying to post this reply but worth reading:- Rights of Entry (Gas and Electricity Boards) Act 1954, The Gas Safety (Rights of Entry) Regulations 1996 In a genuine dispute there are no rights of entry(i.e magistrates warrant issued), however I would also caution health and safety matters if its a gas leak. if electricity meter dispute The Electricity Act 1989, The Utilities Act 2000 Note schedule 7 of 1989 act and schedule 5 of 2000 Act, an electric meter cannot
  17. Morning All, I recently applied for a new pet insurance policy for a new dog and after a lot of chasing the company for an answer I have finally received a very poorly worded letter from them advising 'the cover will be limited to accidental external damage only'! They then go on to say 'this exclusion is non-reviewable as this condition can affect many systems and is unpredictable'. The condition is called Rickettsia and the dog contracted it in Spain as a result of being bitten by a Tick most likely. When the dog came to us we took him to our vet for a full check-up a
  18. I understand there a homeless at home policy, is there anywhere I can get information on how this should be implemented by the local housing authority please. I am asking as all requests to them regarding this are currently being ignored.
  19. After 6 years of fighting the NHBC they are now trying to force us to accept their decision to implement a ludicrous repair, even though we have proven the following: 1. crib wall not built in accordance with British Standard 2. crib wall structural loading is outwith the maximum allowable as specified in design calculations. 3. crib wall has suffered multiple failures 4. the wall was damaged by the builder and repaired by the builder (who does not have a BBA certificate). 5. the original design and installation company have stated that the crib wall failures are due to bad workmansh
  20. This company has some very poor reviews - my friend only discovered after purchasing a CV joint , which was badly made and would not fit. They refused a refund and would only offer a exchange. I believe my friend returned after the 30 days period ("No quibble returns policy"??) Looking at the T/Cs -there is nothing to me that says they are complying with any aspect of "No quibble returns policy" What do other's think-are they within their rights -or taking the pxxx ?
  21. HI ! ADVICE PLEASE I have a secured loan with the Halifax, currently owing approx £15k Until approx 9months ago, I had no problems with my repayments, which were £176.00 per month. Due to the current economic climate, I found I could not make these payments as I should on a regular basis. I wrote to them explaining my circumstances, using the letter templates on this website and enclosing a budget sheet. I offered them £41.00 per month; to which they refused to accept and told me that they would accept £160.00 per month. I asked them to reconsider and in
  22. At the beginning of October I booked a one night stay at the Black Horse Hotel in Otley via Laterooms for the night of 15/10/2016 at a cost of £80. The terms of booking are payment on arrival and if you cancel less than two days before arrival you forfeit the cost of the first night’s stay. On 13/10/2016 a pending transaction of £80 showed up on my account On arrival at the hotel I was asked to pay, which I did. This resulted in a second pending transaction of £80 appearing on my account, which, when combined with the £80 from two days earlier reduced the available balance by a to
  23. READ MORE HERE: https://www.theguardian.com/society/2016/jul/31/right-to-buy-policy-scrapped-scotland-social-housing
  24. Hi there Just before May I went on to tesco's website to change my policy's address, I completed the form and sent it. Just after that I moved out because the landlord was selling the flat and it was urgent so I had to do this in a hurry. Tesco Bank Car Insurance apparently sent letters to the old address, knewing that I've changed the address with information that the thing that I did online was only a quote and that a change in premium will be made, 20 pounds more per month for changing the address and If I won't contact them within 21 days they have right to cancel the policy. I
  25. Hello Caggers, I’ll try and be as brief as possible… After a long 4-year battle on a failed claim for a mis-sold PPI policy, the insurance company agreed to pay a back dated claim. I had a Mortgage Protection policy with the Halifax. It was sold to me over the phone on the premise that my mortgage payments would be covered if I was ever to lose my income. I accepted. My initial claim was for them to pay my mortgage payments when I became unable to work. They didn’t (it seems) record that I had made a claim back then even though they have some informa
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