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    • I got a quote from a builder to erect a basic timber leanto on the back of my property, and do some remedial work to an already existing brick shed. The area for the leanto already had decking but this was rotting so was to be removed.  The builder is a part time firman, and is a near neighbour of my daughter, and semed a friendly enough person.  When he came to view the job in May 20, I explained I was not looking to start the works until begining of August 20, so I could comfortabley get the funds together.  He mentioned he would be free to start on 1st July 20 as had no work booked in for that period.  I explained that I am disabled with a variety of consitions included limited mobility. I run a business from home from my loft office and wanted the leanto so I could have a dedicated space downstairs to work from hen needed. He sent me a quote via email. The quote was in a Ltd company name, but had no address on it and had a start date of 1st July 20.  I agreed in the end to this start date as he said he was free. Total quoted for all works was £10,720 with a deposit of £4390 to be paid immediately for materials to start on 01/07/20.  He sent me some pictures of garden rooms he had recently completed, and I liked the idea of having UPVC cladding for minimal maintenance and asked how much more this would be, and was advised £1730, so I paid a deposit of £6120 on 01/09/20.  The bank account details I was provided to pay the deposit was the builders wifes account.  he said the company was new.  He sent me an email on 30/06/20 saying he was collecting ALL the materials on 01/07/20 and would start on 02/07/20, then he was delayed as was let down by some suppliers. Work did not actually start until 17/07/20 after I requetsed a refund due to breach of contract. They arrived and took town the old decking. there has been constant delays, excuses and outright lies and I again requested a cancellation of the contract and refund as of part of my money as they would turn up one day, then nothing, citing, supply issues, workers being sick, his child being sick, etc.  As he had assured us everything would be ready befoe 15/08/20 we booked a small gathering for a barbecue for my stepdaughters 21st and made the builder aware. We requested a full schedule of the works to be done each day and a completion date, which he gave in writing as 13/08/20, stating that the perspecx roof would be fitted on 11/08/20. Needless to say this did not happen, he claims there were supply issues with the perspex sheets and he ended up putting up a gazebo in the half completed frame of the building on the morning of 15/08/20 as no roof was on and I was concerned for rain, and confirming that the sheets for the roof would be dleivered the following week.  Well the builder went on holiday on 20/08/20, 2 workrs came on 20/08/20 and 21/08/20 to put up tarpaulin as still no roof had arrived, no cladding had arrived and a list of other works ahd not been done. On the morning of 22/08/20 we discovered we had a leak as thay had damaged a pipe when putting up the tarpaulin. I called and sent a text message to the worker and also texted the builder who gave me his plumbers number, who never came to fix the leak. on 27/08/20 I text builder again as still not heard anything form anyone and he said he was back in the country the next day and would come and see what still needed to be done and get things sorted.  He never arrived. On 01/09/20 I texted the builder who said he was at work the next day and my job would be on.  I asked him to explain exactly what that meant as I needed the work done as a priority,  He said, plumber coming today, cladding fitting tomorrow, roof panels Thursday.  No plumber arrived that day.  I contacted builder the next day, he said they were not coming as team member was sick, but he would get plumber there today.  i told him if no one came today, we would get someone else in to do works as I was getting bitten by mosquites from the stagnnant water.  No one came that day or the next.  I decided I would put the remaming works on a bulder site to get estimates to do the remaining works and then would give the builder a deadline which I did.  I spoke to the builder on 08/09/20 when he called to let me know thta he had again chased the roof panels, but he wanted me to sign a waiver about the roof.  I told him no, he had told me on numberous occassions that he had ALL the supplies, he know what was need from the start, and he had lied on previous occassions as he now admitted he had only ordered the roof panels on 21/08/20. he was however saying he had ordered bespoke panels to fit the roof, which were not necessary, discussed or agreed with me.  I told him that he had 1 week to complete all the remaining works or I would give the job to someone else and would reques a refund of monies as by now I had paid a total of £9655. All payments to his wifes account.   The builder called me on 15/09/20 to let me know he had been assured the roof panels were being delivred on that Thursday 17/09/20. I told him that was too late. he knew today was the dealine, he had not even bothered to acknowledge my email and as he clearly was not in a position to complete ALL the works by the end of that day, I would be employing alternate builders to start the next day 16/09/20, which I did.   Sorry the post is so long, but I wanted to give the history.   I have sent a letter guaranteed delivery addressed to the builder, his wife and the company  to their home address asking for a reund of £4500 withing 7 day.   I plan to take legal proceedings against ALL 3.  Although the quote had the company name on it there is no address or contact information on it, all communication came from his personal email address, he requested that the money be paid into his wife's account.   His wife is not a director of the company, she did become a company secretary on 22/06/20, so I believe I rightfully can request she repay the money as she had to right to it.   He has refused to send a breakdown of materials actually used, which is all I am prepared to pay for.  He has said I am not due a refund as he has paid for the materials. He has not fitted the cladding, or done any of the other works, which could have been completed whilst waiting for the roof panels.   Incidentally, the new builders saterted on 16/09/20, and obtained the same roof panels that morning and by Friday 18/09/20 had fitted the roof, cladded one side of the building, fitted,  UPVC doors to leant and brick shed, fitted and 2 UPVC wndows to  leanto.   Your advice regarding the status of the wife would be most helpful
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      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
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£10,000 bill for hire car, insurance won't pay


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Hi all,

 

(I have posted this on another forum in the hope that I might find someone to help)

 

I am really angry. Somebody hit my car back in 2008 and did not admit liability. I ended up having to settle 50/50. During the repair of the vehicle I was offered a hire vehicle, which I had for about a month. The third party insurer queried the use of the hire vehicle as I had received an injury in the accident which meant I could not drive the hire vehicle for approx 2 weeks. However, the other driver on my insurance did drive the hire vehicle during this time.

 

Now, over two years later I get a letter stating I am liable for the cost of the hire vehicle as the additional driver was not entitled to drive the vehicle. This just seems silly, if there are two people insured to drive a vehicle if that car is involved in an accident and a replacement car is given then obviously that person may require use of that vehicle.

 

From my recollection when all of this was gone through over the phone I stated that the other person would require use of the vehicle, as they had to go through the details of the insurance with me. But I cannot remember the exact conversation as it was two years ago.

 

What can I do? I certainly don't have £10,000 and I am already heavy in debt, I would have to declare bankruptcy. Can I fight this? Is it their error in not quering whether the other driver on the policy required use of the vehicle?

 

Please help, I am literally pulling my hair out.:-x

 

Thanks

Ebony

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£10,000 is steep for a month's worth of hire - £333 pounds a day. Presumably if this is correct it will have been a luxury car i.e. range rover etc?

 

Anyway, turning back to the hire. You will have signed a consumer credit agreement. Scan that to see what it tells you although it probably won't help you much as they are often complex. If you didn't sign one then you should be fine. Technically under the terms of the GTA agreement between insurers, hire companies have to ensure that any hire vehicle given out is a) needed by the person and b) that the hirer has mitigated their losses to a minimum and cannot afford to hire a car from a dealer. This all has to be explained to you and you have to sign a statement that you do need it etc.

 

To be honest you need a lawyer to help you out. See if you have legal expenses cover on your home, car or any other insurance you have that might be able to help you instruct a lawyer without having to pay their fees. If not you may be able to get a no win no fee lawyer to do it on a CFA as it will be in the fast track and so they can recover their fees if you win.

 

I would also request a copy of the telephone conversation you had with the person who went through the hire with you.

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Clearly this needs to be challenged, the hire company will have an awful lot to prove to a court to get their money from you, most companies fail outright, with the courts taking a view that whilst a CCA agreement has been set up, the hire company took on the risk., the only time they succeed is if they can prove that you have not been honest with the information you have provided them and in someway mislead them into providing a vehicle. If the named driver had use of this vehicle only, then you have a case, if they were a named driver and had use of another vehicle without need for the hire vehicle, you may have a hard time.

The hire companies are having it harder than the insurers at present, they are scrambling for money, or at least to show their board that they are making attempts at recovering it.

Good luck.

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