Jump to content


  • Tweets

  • Posts

    • You didn't use Hermes insurance because you've never had difficulty in the past is a bit like saying that you didn't bother to look when you crossed the road this time because you've never been run down before. Luckily for you, the insurance requirement is unfair and unenforceable in our view – and I suggest that you start reading around the sub- forum to understand why and also the other arguments that will be used by Hermes against you to try and defeat your claim. Please also read around the sub- forum to understand the process, how it works – and the steps involve taking a small claim in the County Court. It's all pretty straightforward but it is worth understanding in advance, partly because this is a self-help forum and you need to take responsibility yourself – and secondly because you have more confidence in what you do. On your timeline of events, everything seems to be good. In fact looking your letter of claim you do seem to have understood why the insurances unfair and unenforceable – but reinforce your reading anyway. The only comment about the letter of claim is that you should headed up "letter of claim" – but everything else is to be good. Send it by recorded delivery but also confirm it in an email – using the same date for both so that the 14 day deadline is the same. While you are waiting for 14 days to expire, register with the County Court money claim website and start preparing your claim. You can save your work as you go. Post a draft of your particulars of claim here for us to check and get everything ready so that on day 15 you can click it off. Keep us updated
    • Sorry but I don't understand this at all. I didn't realise that you made an application for assistance with fees. And I had no idea that this was ever raised as an issue before. What on earth is going on? Are you able to explain what this is all about?
    • The country has seen electricity shortages that have left some factories and homes without power.View the full article
    • HI   Ah that little lets downgrade it to a Stage 1 Complaint so it looks like wee dealt with it properly if the Regulator looks at our books/files.   It's a tactic Housing Association use even my own recently tried that and I refused to let them get away with it.   So you respond to the Customer Service Manager NOT BY PHONE unless you can record the call.   To Customer Service Manager   Following our telephone conversation on XX/XX/2021 reference my Formal  Complaint you informed me that my Complaint was being dealt with as a Stage 1 Complaint.   I find this unacceptable as this Complaint was made via T&C online Portal with Acknowledgement receipt from T%C of my Complaint in July 2021 and T&C have now only decided to deal with this after I recently had to Hand Deliver (16th Sept 2021) that Complaint to your Office which is  unacceptable.   Therefore T&C have had from July 2021 to resolve this Complaint as per your own Stage 1 Complaint procedure and I quote:   Stage 1: Your complaint will be allocated to a member of staff who will contact you within 2 working days to discuss your complaint and understand the problem. We aim to resolve complaints within 10 working days, but sometimes investigations can take longer. In this case we’ll let you know, keep you updated and agree a timescale for our response with you. As the above has not been carried out and was only acted upon as previously stated when I hand delivered  my Complaint again on 16th Sept 2021 to your Office this is not a Stage 1 Complaint as T&C have Failed to carryout the above Stage 1 Complaint Procedure since July 2021 therefore my Complaint should be Escalated to a Stage 2 Complaint as per your own Complaints Procedure. If T%C refuse to escalate this Complaint to Stage 2 I require full Clarification as to why.        
    • Hi guys, I have recently found this website and have been reading a lot regarding Hermes scandals. Thanks a lot to all the people running and supporting this forum. Doing lord's work. Here is my case, hope I can get some help. On 07/08/2021, I used Hermes service to ship my laptop however the laptop never reached its intended destination.  On 16/08/2021, I had a chat with their representative over the phone to get an update on the situation. I was told they will start a brief investigation to find my laptop. After a long wait, on 14/09/2021, it was confirmed that my laptop was indeed lost. On 25/09/2021, I filled in the compensation form.  On 27/09/2021, I received compensation of £20 + postage of £5.80. On 28/09/2021, I asked them to review their compensation and reimburse me in full. (Formal complaint) The laptop was purchased on 02/08/2021 priced at £1049. Do have a PayPal invoice for it. I did not use Hermes insurance as I didn't have any trouble with their deliveries in the past. The parcel was declared as a laptop. I have prepared a letter of claim to send them as soon as they reject my request to pay in full. Few questions, I couldn't find answers about: Do i need to send email to Hermes with letter of claim or post? Next steps: Wait for formal complaint's response..  Submit letter of claim, wait 2 weeks, then register and issue complain on money claim county court website? Hope i can get some feedback on my letter of claim.   Letter of claim1.pdf
  • Recommended Topics

  • Our picks

  • Recommended Topics

A bit of a dilemma ...


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4083 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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.

Link to post
Share on other sites

What sort of paint was it Fred.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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!

Link to post
Share on other sites

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?

 

 

The Consumer Action Group is a free help site.

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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;)

 

Link to post
Share on other sites

  • 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.

Link to post
Share on other sites

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

NEVER FORGET

 

[sIGPIC][/sIGPIC]

 

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

NEVER FORGET

 

[sIGPIC][/sIGPIC]

 

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...