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    • Hi everyone. We purchased a new bed from dreams 26/12/2017 which was delivered 01/02/2018.  We also purchased their delivery, assembly, take the old one away, tv, mattress, mattress protector, pillows and their 'bed cover' 8 years extended warranty.  We paid by 30 monthly interest free instalments and so just made the final payment.   It is a heavy duty king size lift up storage bed with a built in tv at the end.  It has always been a struggle to lift, my wife cannot do it on her own and it rarely stays up by itself.   At the beginning of this year, we noticed it had started to dip considerably in the middle.  Not the mattress, but the wooden base the mattress is on.  So on 09/02/2020 I emailed them about the issue.  They started by saying the mattress is not covered only the base, until I pointed out it is the base at fault not the mattress.  So they sent out Homeserve on the 25/02/2020 to come and repair.  He did what he called a temporary repair, said that the bed had failed due to a manufacturing or design fault (the metal bolts holding the wooden base to the lift up supports have pulled out of the wood) and that dreams would be in touch to arrange a replacement.  His temporary repair barely lasted a day, the bed was still dipping and he took plenty of photos for himself but seemed in a mad rush to leave.   Of course they didn't contact us, so on 30/03/2020 I emailed them back.  01/04/2020 they emailed back confirming in writing that it is a manufacturing fault and their sales team would contact me, however as expected due to Covid-19 this may take a while.   30/06/2020 I asked for an update.  03/07/2020 they replied saying their claims department would contact me within 5 working days.  They didn't. 15/07/2020 I emailed back asking them to escalate my complaint as well as providing a refund and compensation as we are now struggling to sleep and experiencing back ache due to the bed's extreme dipping, plus I am worried about the mattress getting damaged. 23/07/2020 They replied saying we are not entitled to a refund as it is a guarantee claim and they have passed it once again this time to their guarantee company to contact us. I have still not heard back.   This is now getting beyond a joke and I wanted some guidance on how I should proceed.  We are struggling to sleep in the bed and cannot now even open the bed to access our belongings inside as as soon as you try and lift you hear the sound of breaking wood.   Many thanks  
    • bit obv really... don't eat yellow snow either.   dx  
    • I know you are trivialising this as, 'Ambulance Chasing Lawyers', because they are perceived to be involved. You mention BMW (other brands as well). Counterfeit car and truck parts have been implicated, and proven to be the cause, of accidents where fatalities have occurred.   There is some considerable difference between a set of counterfeit brake pads and a fake SD Card.   The trademark infringement though, is the same.   H
    • One hope in this growing mess is that local authorities, mainly in the north west so far, like Liverpool, are developing their own systems to test and trace, filling in the gaps of what Serco et al are missing.   But they're doing it with precious little in the way of funding. In the meantime it looks as if Serco [I think it's them] will be given more hundreds of millions on top of the £100 million that hasn't been effective so far in a couple of weeks. Given that the PM has swanned off to Scotland for a couple of weeks this isn't looking good.
    • i've known 10yrs of DD's to be refunded. the company must prove a valid contract for the period. no proof the DD's all get refunded   dx  
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      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
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        • Thanks
      • 16 replies

Car Insurance Claim 16 months ongoing

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Hi there,


I had an accident last April (29/4/09) where a lorry had hit the driver side of my car and spun my car around and my car's passenger side (where I was sitting) then scrapped along the barriers separating the carriageway.


My named driver was driving at the time.


The driver of the lorry got out and started shouting, my driver got out and was shouting and I was sat in the car in a daze that I didn't get crushed against the barrier!


After I got out and calmed the others down we swapped details and the lorry driver said his firm will hate him as its his third accident that month.

There was no damage on the lorry by the way.


When I got home I called my (then) Insurance Admiral and reported it and gave them all the details and they asked for sketches etc which I provided.

They then contacted Albany Assistance LTD to pursue the claim against the 3rd party's Insurance Zurich.


I was asked for 2 estimates which I provided and then heard nothing for the longest time.


I rang Albany many times asking for an update but kept getting told they were still trying to contact Zurich and they would contact me when they did.


Now fast forward to March 2010, I wrote a very blunt letter to Albany demanding action as it was nearly a year and I had still not heard nothing, they replied to the second of these letters (the second one I sent Special Delivery) and apologised and informed me that they had been in contact with Zurich and that Zurich had closed the file as the third party did not report the incident to them.


Now I demanded they make them re-open the file and get this moving.


Finally in June 2010 Zurich arranged for one of their engineers to view my vehicle and log the damage which he estimated at nearly £2,500, The 2 estimates I had got in May 2009 were just under £2,000.


Then there was more waiting, I thought things were moving on when I received a letter from Albany last month saying that the third party was disputing how it happened and that it was my fault and they would offer me 50 / 50, Again another stern letter back reminding them that this is the same party that did not report the incident to his insurance and hoped it would go away and I demanded 100%.


So then I receive a letter from Albany telling me that Zurich is only willing to offer me £994 as this was the value of my vehicle before the accident and if i could prove otherwise via clippings or ads from the same make / model then that is all they will give me and would class my car as a Category C.


So I looked around and could not find any vehicles the same make / model / Year as mine for much more than the £900 so I wrote back and said I would except the offer as long as the third party excepted liability.


Albany wrote back said they had informed Zurich and they were just waiting on the cheque to arrive, another letter saying they had not received a cheque and would chase Zurich further and today a letter again from Albany suggesting that I agree to issue proceedings in the Small Claims Court.


So now just as I thought I was near the end of this long road I now have to worry about this... I just need some advice on what to do and how to prepare as I have really lost the energy to fight any more... its tiring!


So sorry for the length of this post just needed to say it all before I explode.


Any help / advice would be really gratefully received



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So yes let Albany threaten legal proceedings. You have to consent to them taking this matter through the small claims process,


Zurich are an awful company. They have just been fined a massive amount for losing customer information. You only have to search online for peoples experience when they come to claim. They appear to drag out claims for as long as they can get away with.

We could do with some help from you.



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Thanks for the advice unclebulgaria67,


That's what I am going to do.



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