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    • Just had a thought, do you have a copy of a blank COP3 saved on your computer, from when you were downloading all the forms?   You can type your part of the form and save it and then forward on that version. Might be slightly more work for yourself if you've already handwritten a version, but would save on scanning if that's going to be messy for you.
    • Yorky, do you have a smart phone?   HB
    • I am a regular (many years)  P2G user and selected them to use Parcelforce 48 service to send a gazebo I sold on eBay.  Parcelforce 48 have an automatic max £100 compensation for lost items.   Parcelforce lost the item. P2G state the £100 compensation Parcelforce offer within their price, does not get reimbursed to them, so they can't reimburse it to me. However, it would have been reimbursed to me had I used Parcelforce 48 direct, rather than go through P2G.    It seems rather strange that when I pay P2G to buy Parcelforce 48 service on my behalf, they buy a different service which excludes the automatic compensation.   They also lost another £40 parcel (which I did not buy additional insurance for, because it was an excluded item).   They also broke an item prior to delivery (which the addressee rejected as it was clearly a damaged parcel). The thing is, if a parcel is rejected by the addressee, what should they do with the failed delivery?   In this case they threw away the parcel and 'broken' contents rather than return to sender and refuse to compensate me because I (again) did not buy the additional insurance.   I have escalated the rejected claims and they agreed as a gesture of goodwill to reimburse the postage costs for all three items. (I would have expected this as a matter of course) .    Clearly many will consider I should have bought the extra insurance. I often do, but feel the extra costs involved would be greater than the odd loss ( having never had a loss in a couple hundred sendings), I only pay extra on certain items.   I feel a summons coming on, so would be happy to receive any ideas. Even if P2G have a rock solid defence regarding my lack of buying insurance, I still fancy testing their resolve and seeing if they fancy a hearing.      After escalating my claims, they agreed to refund the postage costs only.   I have therefore issue a Notice Before Action for the value of the lost items £180.   Notice Before Action Dear Sir/madam You have lost the following items. 1)      1 2)      2 3)      3   I understand you eventually accepted liability for these lost items and have agreed to reimburse the postage costs but not the values.   You suggest this is due to my failing to take out additional insurance.   I am not prepared to accept your position and shall be issuing a summons on 18th August for £180, should you choose not to reimburse the values allocated to the items you have lost.   In particular: Item 1) This parcel was damaged by your courier and rejected by the addressee. It appears rather than return the parcel and contents to me, your courier decided to throw the item away. Thus the item has become lost, and therefore (due to my not paying extra for insurance against loss), you have chosen not to compensate. Do you seriously expect to ‘lose’ an item on purpose by throwing it away, and then claim it has been lost and therefore not covered?   Item 2) This parcel was lost and I made a claim. During the period of claim, the parcel was found and began to track. Ultimately being delivered (according to an email to the addressee, at 1.41 am 19 July 2020). Clearly the parcel was not delivered at such a time.   You have subsequently suggested delivery was at a different time. Despite these suggestions of proper delivery, you have been unable to prove delivery at all, the addressee has confirmed he has not received the item and you have accepted the item is lost.  I do not accept you can be so careless as to lose an item twice.   When I purchased this sending through P2G, I selected Parcelforce 48 as the courier. This service has a compensation value of up to £100 for loss. This is why I selected them.   It appears however, you chose not to purchase this service from Parcelforce, but an alternative service purporting to be Parcelforce 48, but excluding the standard compensation.  This is not what I had purchased. I do not accept your claim that I should have paid extra for insurance for you to insure, when I had already purchased a service which carried automatic insurance.   Further, the service was supposed to be a 48 hour service. The parcel was not collected within the 48 hour period, let alone delivered within it.  I consider the delays in ensuring delivery within the expected timeframe would have contributed to the loss of this item. I hold you responsible for the loss.   Item 3) This item was also subject to a claim for loss. During your investigations, this item was also found and started to track. Messages advising  "Enquiry resolved", "INT Hold" and "Out for delivery”, suggest the item had eventually been found.   I do not accept you can be so careless as to find a lost item and subsequently lose it again, regardless of whether I had purchased additional insured.   Indeed, the option to purchase such insurance was not available as the item appears to have been excluded from such insurance.   Yours faithfully
    • I think you will be waiting even longer for COP to reply to your email.   Do you have access to a scanner that you can scan the form over?   You don't have to video call if you don't have the means, I just put that as an option. I don't know how to video call either.
    • Interesting. Good Sister.   1] how do I attatch the COP3 form to the e mail. I dont know how to do video call?  
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I'm decorating my house at the moment and this afternoon I tripped and fell while carrying a tin of paint through to the kitchen. The paint spilled on the carpet, splashed the settee, went all over my specs, in my hair etc etc. We've cleaned up the mess as best as possible but there is a big stain on the carpet that won't come out.

 

Now here's the problem. Should I claim on the insurance? I'm loathe to do so for two reasons. 1 - It's the oldest trick in the book. The carpet is quite old (about 15 years) and not in the best of condition. This will sound like the classic [problem], even though it's genuine. I wouldn't get a new one because I don't have new-for-old insurance, but I might get a couple of hundred quid. 2 - We already have a new one on order anyway and are just waiting for some other work to be done on the house before we have it fitted. Now if this was the new carpet, or if I hadn't already ordered one, I would definitely make a claim, but now I'm not sure what to do. I've never before made an insurance claim, so it's not like I make a habit of these things, but I know for sure I'll feel embarrassed if I ring up with this one.

 

What would you do?

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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What sort of paint was it Fred.

 
 

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If that were me, as I have the new carpet already on the way and wouldnt want my premiums the following year to increase, I would not claim even though a gunuine claim it is. I would be too worried what people would think as you say even though you have done nowt wrong, if they suspect something fishy as wrong as they would be they might label you as a risk.

 

If talking carp happy to be put right xx

 

Ps, my son a few years ago got tired of waiting for me to decorate he got threee tins of paint and lobbed it, yep lobbed it around his room. Shoud exhibit his room in the tate gallery as modern art and make our fortune, apart from that its a room I open and go oooohhh and shut the door again xxxxx Hope you get it sorted xx

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What sort of paint was it Fred.

 

Dulux silk for walls and ceilings. There's a double irony here. I'd already painted what it was I was about to paint but hadn't realised that the second tin I opened last week was matt instead of silk. I'm normally good with this sort of stuff but hadn't even thought about it.

 

To be honest, I'm a bit loathe to claim because in my heart, it just feels wrong.

 

At least at the moment I've got matching walls and carpet.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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as its an old carpet i think id leave it - you have a new carpet coming anyway .....keep your premiums down

 

it would be different if you were claiming for the sofa & other damage too

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It's a genuine claim and that's what you have insurance for!

 

I've just claimed for my carpet as I had a leak of printer ink from a printer that I had placed on the floor as I moved my room around.

 

Rang ins. co. and they arranged for someone to call to see if the stain was removeable..

 

Couple of days later chap arrived and stated that it was not cleanable.

 

He reported back and a couple of days after that another guy inspected quality of carpet and measured it.

 

Rang ins. co. following day,agreed with their valuation and agreed with excess and money in my bank around 4 days later.

 

Unusual for policy not to be new for old these days and whether you claim could well depend on your excess and whether your policy is claim protected--and who you insure with.

 

No point having insurance if you don't claim when a genuine accident occurs!

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If it's come out of your furniture I wouldn't worry. My son broke his lappy while on a train and if we'd claimed there would have been a £50 excess and were told our premium next year would go up £50 too. If you only expect about £200 it hardly seems worth it.

 

As an aside, if you can manage new for old insurance I'd definitely recommend that you get it. When we were flooded 3 years ago we didn't have to worry about what we could afford to replace everything.

 

What's Best for You?

 

 

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Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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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as its an old carpet i think id leave it - you have a new carpet coming anyway .....keep your premiums down

 

it would be different if you were claiming for the sofa & other damage too

 

We managed to get it off the sofa and in any case, the sofa's old and normally has a throw over it, so no problem there.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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My father had bricks and mortar insurance for 26 years and never once made a claim. Then he had a small leak in the hot water pipe that couldn't be detected and rang them. They said that he was not covered for that. Anyhow, I noticed there were huge cracks down all his walls (inside and out) and said he should call them to send a building inspector round to view it. His gutters have split about 6 inches apart from eachother and they are splitting more apart as the years go on. He refused to call them because they wouldn't fix his pipe, so why would they do this??????

 

He still payed his monthly premium and then (before calling them), moved his insurance to another provider. He has only been with them for a few months and feels that he should pay for many years before making any sort of claim. I told him that if he was never going to make a claim, then he should save his money and not have the insurance.

 

Perish the thought, but when his days are numbered, we are left with a house with the value of about 50p. If he got the insurance out, I am sure they would have to rebuild his walls and stuff and make the house worth living in at least.

 

So my motto is, if you're not going to claim, don't pay for insurance.

 

Hope you get things sorted either way FB:)

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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  • 3 weeks later...

Well I finally decided to call the insurance company yesterday and they are sending an assessor round to my house. Let's see what happens as I haven't a clue. I checked my insurance and it's new for old. I have to admit I actually felt nervous about ringing them. That in itself bothers me because I'm sure these companies use voice analysing software to try and work out if people are lying. Could embarrassment and nerves be mistaken for lies?

Edited by Fred Bassett

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Mrs Basset will be dissapointed they wont replace you on the new for old Fred :rolleyes:

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Mrs Basset will be dissapointed they wont replace you on the new for old Fred :rolleyes:

 

Not half as disappointed as when she finds out I've traded her in for a younger model.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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oh no not the 2 x 20's for 1 x 40 deal @ asda's again :rolleyes:

NEVER FORGET

 

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Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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oh no not the 2 x 20's for 1 x 40 deal @ asda's again :rolleyes:

 

It would be more like 2 x 25s. It's a dirty job but somebody has to do it.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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