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    • Thanks for your advice. They didn't really reduce her bill when putting her on the rolling contract. She's emailed BT to complain as well about £800 fee. She will have to check where she stands with her mobile contract given she is still paying each month as she still needs to have a mobile phone for emergencies. A lesson on how careful you have to be when changing providers
    • forget CAB you might as well phone bt back as thats about as useless as they'll be.   you can't have a rolling 24mts contract', bt rolling contracts are month to month only, thats an industrywide accepted definition of what rolling means.   what happened here is she earlier changed her 'package' removing skt to reduce costs. as with all providers that invoked = means she entered into a new 24mts contract.   she latterly phone to cancel that contract, and thus bt charged her the cancellation fee/loss of revenue over the raining months of the contract.   the fact that she owes them 'this money' but didn't pay it, then entitled them sadly to cancel the mobile contract, which sadly again they allowed to do.   rock and a hard place if she wants to keep the same mobile number.   Or as long as her phone is not imie blocked by bt (in otherwords she purchased from BT under the mobile contract) but simply locked to BT (which is easily gotten around for a small fee at many shops/market stalls or if someone is tech savvy follow the guides on youtube to unlock the phone for an even smaller fee. and wack a new sim in it.   as for the £800 bill simply ignore them. they'll sell the debt on  and if anyone like Lowells or anyother powerless DCA debt buyer wants to do court, it's easily defended we've not lost one case like that here.        
    • The 1st 2 calls were the normal scam calls. get a truecall box   the PDC stuff you ignore their letter States our client three whom if you wanted too you deal with directly.   Until/unless whenever it gets sold on too and they eventually send a letter of claim you maintain radio silence    
    • hi all. bit of advice please. I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal. When I ported over, I received a letter from Three thanking me for being a customer blah blah blah.. It also said IF I owed anything a final bill will be sent. No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand. Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right. He said I could log into my account and review my bill as I owed money and then hung up. After the call I thought I'd best log into my account just in case.  Couldnt log in. Account access denied. Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended. Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details. I refused and he said details will be sent out to me to my email on account and my home address as it was important. Once again nothing.. 15th Dec I received an email from PastDue in my name RE Three. Email stated they were contacting me about Three an I should receive a letter soon regards to this matter. Says about visiting their website.  22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this. We will continue to contact you until this matter is resolved. Again asks me to login. 23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services"  Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020 States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill.. Then the normal crap about its important to pay. If I'm experiencing difficulties etc. Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero. (Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov) I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal. Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
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      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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Hi folks, we had a break in three weeks ago which resulted in the loss of an awful lot of gear. We put a claim in to the insurers and the loss assessor came out the following week. He seemed happy with what had been stolen but we are also claiming on the buildings side of things because the front door is irreparable.

 

Now houses on my street go for around 100k. I read somewhere that land accounts for approximately one third of your property value. I was in a rush so I rounded the rebuild cost to 60k. Before you say it, I realise that was too low and I hold my hands up to it. However the risk adjuster is saying I am woefully under insured and is recommending that I raise my buildings cover to around 184k.

 

This has two nasty implications, firstly my premium (which is due to rise due to the claim) will go up a lot due to the increase in buildings cover. Secondly the insurance company are going to claim I am 67 percent under insured and reduce my claim accordingly.

 

Can the rebuild really be close to twice the market value. Granted it's stone but still.....

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If it costs a lot to rebuild, it can do.

 

At least you have differentiated the rebuild and market value - something many are unable to grasp.

 

If you take my property for example, it's market value is somewhere about the price of a second hand dog kennel. To rebuild it would probably be a lot more than what it's actually worth

 

If you want to be absolutely sure, you could get your own assessor in. If you are underinsured then any payment in the event of a claim is reduced accordingly, which can be very costly.

Edited by gyzmo
The word monster has been on a kleptomaniac spree again
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Thanks, I guess that hadn't crossed my mind. It just seems so overinflated. I have both my buildings and contents insured with the same company, will they reduce the contents claim as well? (the assessor seemed happy with the contents insured).

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Hi folks, we had a break in three weeks ago which resulted in the loss of an awful lot of gear. We put a claim in to the insurers and the loss assessor came out the following week. He seemed happy with what had been stolen but we are also claiming on the buildings side of things because the front door is irreparable.

 

Now houses on my street go for around 100k. I read somewhere that land accounts for approximately one third of your property value. I was in a rush so I rounded the rebuild cost to 60k. Before you say it, I realise that was too low and I hold my hands up to it. However the risk adjuster is saying I am woefully under insured and is recommending that I raise my buildings cover to around 184k.

 

This has two nasty implications, firstly my premium (which is due to rise due to the claim) will go up a lot due to the increase in buildings cover. Secondly the insurance company are going to claim I am 67 percent under insured and reduce my claim accordingly.

 

Can the rebuild really be close to twice the market value. Granted it's stone but still.....

 

you can also now seek help with your claim by getting your own risk assesor and have the old claim annuled ,due to lack of knowledge with regards to the true costs etc..

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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doesnt your policy carry a standard minimum buildings sum insured? dont see many that require a sum insured unless they class it as a non standard property.

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Contents insurance is separate from buildings insurance so one should not affect the other. A "combined" policy of buildings and contents is simply a marketing method of discount, nothing more.

 

You could ask a builder for an estimate - it will obviously cost, but you need to make sure you are properly insured and it will, if nothing else, give peace of mind. Make sure you use a reputable firm

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Thanks folks, I will tap our circle of friends (all tradesmen) and see if one of them can give me a vague idea, then if the valuation is way off I will pay for a full estimate to go back to the insurers with.

 

As regards the type of product I have bought, I couldn't tell you because I am abroad at the minute.

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Contents insurance is separate from buildings insurance so one should not affect the other. A "combined" policy of buildings and contents is simply a marketing method of discount, nothing more.

 

This is not strictly true. They are different sections to a household policy, but may not be a different policy.

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? They are different classes of insurance. They may be added together in the same policy book purely for ease, but there is no good reason I can think of why a buildings claim should affect contents insurance.

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  • 2 weeks later...

Well, as expected the claim for the damage to the house was reduced by 67% leaving me £600 out of pocket on that front.

 

However, as I hadn't paid for business insurance (because I naively thought that meant you ran a business) they aren't replacing one of the laptops because I said I'd occasionally do some of my school work on it. Another £300 odd out of pocket. Frustrating is a bit of an understatement here.

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why have you not employed the use of your own loss adjuster who are skilled in this feild,they will put forward your claim and i beleive they will put their charges to the insurance co as well.. just a thought ?

patrickq1

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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It had crossed my mind, however it was my understanding they take a percentage of the payout. The most I expect to hope for is talk them up by a couple of hundred quid. From looking around insurance companies don't give much ground on being underinsured, so any loss assessor's fees would eat that up?

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That is correct. I dont think there is much you can do with regards to the Buildings side - however, I am suprised that the laptop is being denied. Do you have the wording of the policy with regards to computer equipment, and the relevant exclusions??? There are a fair few insurers who cover this....

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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On the insurance policy it states "Business items: none insured"

Then in the policy booklet I have found the definition of business items to be "electrical equipment such as personal computers, fax machines ... owned by the insured or their family used for business or professional use"

 

This isn't the exact wording of course but it is fairly close.

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Intersting update. Rang the broker to increase buildings cover and purchase business cover for my desktop and mobile phone etc. They took my money over the phone, all fine and dandy.

Reviced the new policy through from the insurer today and it states:

"Business items: none insured"

 

I rang the broker to querry this and they said all those items would be covered as part of your general risk. We have added them as named possessions outside the home (desktop.... I mean really!). I said I had had part of my claim rejected due to my laptop being classified as business use. They quickly rang insurer who still stands by this. What is more, the insurer doesn't even offer business insurance. What a shower, I feel really really let down.

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Further update:

First complaint going into broker regarding poor advice and insufficient training of their staff to differentiate between items used for business and insuring home for business use.

Second complaint going in against insurer for trying to reduce their liability regarding theft. The argument being that regardless of the rebuild cost of your house, a break in is only ever going to cost a replacement door or window, whether it's a million pound mansion or a terraced house.

 

Ho hum, we shall see.

Edited by mathmagician
typing gremlins
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Second complaint going in against insurer for trying to reduce their liability regarding theft. The argument being that regardless of the rebuild cost of your house, a break in is only ever going to cost a replacement door or window, whether it's a million pound mansion or a terraced house.

 

I think the insurers have acted correctly in accordance with the principle of indemnity. The sum insured is what is used to calculate the premium. Underinsurance occurs when the sum insured is too low and this inevitably results in too low a premium being charged. If all the other policyholders have paid a premium based on the full value of their property, then it is not equitable to accept risks that are based on less than this. Therefore, if there is underinsurance at the time of a claim, the settlement will be reduced in proportion to the amount of underinsurance. There must be some clause about this in your policy. It is known as the "Average" clause, although it might be under Under-insurance.

 

I don't think the cause of the claim (eg whether it is fire or theft etc) is relevant here, as the fact still remains that the premium paid was too low - so I think the clause will be applied regardless of this. If you want confirmation of this, it's probably best to contact the Financial Ombudsman Service (FOS).

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  • 4 months later...

Update, broker has offered £250 in compensation, although it wasn't clear what for. I am waiting to receive that offer in writing. The FOS said to ring them once I received the offer to check it won't affect the complaint against the insurer.

Interestingly when I spoke to the person handling my complaint (senior person), she asked what the purchase price was (80k) and what the insurers wanted as a rebuild figure (184k) and she said, why on earth is it that much. Very well informed outfit....

Edited by mathmagician
typing gnomes
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is this there risk adjuster if so you will find it is final offer ,

you are entitled to go to the FOS but they aint much cop...you could write back and tell them you accept but only as part pament you also need to remind them that you are now considering the appointment of an independant loss adjuster and the costs will be bourne by them especially if they are considering that the offer is full and final payment also remind them you have decided to forward a full complaint to the FOS unsell they meet your demands or come close...

patrickq1

ps. do not for one minit trust ant risk adjuster they are on a par with bank managers in the trust department

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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Couldn't agree more. Loss adjuster is employed by the insurer, now even if they aren't commission based, it is in their interest to talk your claim down as far as possible to guarantee repeat custom from the insurance companies.

Complaint is already sat with fos, they have just received the file from my insurers. Still going to be weeks, ho hum.

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