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    • Hi all,   I hope this is the right forum to ask the question.    Today I have had a knock on the door, with a man claiming to be a roofer saying that he and his team is doing a big job near by and today there is some down time and they would like to go around the neighborhood to find extra jobs with a discount. He looked genuine enough and asked if I would like to have my gutters cleaned.  When he gave the price of 120 pounds and that he would do it straight away.  I agreed.    I was very busy today with back to back work meetings and I just left them doing the job.  Soon one of his team came to me again saying that while cleaning the gutter he saw some missing slated and rotten timber underneath, with some small birds nesting in the holes, asking if I would like to get it fixed.  I asked for a quote and he said no more than a couple of hundred and he can do it quickly.  If I don't fix it then potentially it would result in damages to the walls etc.  He wanted to show me the damages but I was in the middle of a meeting and just agreed, but insisted that I must be informed of any more work and anything more expensive I need to see a quote first before deciding.   So about two hours later they told me they have completed the job --- I did not observe them.  And to my estonishment they gave an invoice initially of 1750 pounds!  The reason, they explained was that they went on to the flat roof and find edge of the roof splines to be in a poor condition and decided to repair those for me.  They used concrete to secure them and was quoting 40 pounds each, for total of 41.  They also said they sealed the lead covers underneath.  The original job to fix the rotten timber was quoted at around 500 (already much more than I was expecting).  They gave me a discount which resulted in that 1750 figure.  They claimed repairing those were necessary as part of repairing the rotten timbers?  I am no expert but it didn't sound right.   I am definitely not happy and asked for an itemized breakdown of materials and labour before I will consider paying any of it. They then sent me an invoice of 1500 with no details at all.   It has now dawned on me that all of it feels so fishy.  I am considering my next actions:   - I am willing to pay for gutter cleaning - I am willing to pay for the repairs for rotten timber, IF they can provide proof of what they have done.  I am asking for before and after photos. - I am not willing to pay for the work I have not asked for and did not know of beforehand.  They tried to make it sound like I agreed to it, but I am quite certain I definitely did not.  However there is no proof, everything is verbal.   There are no contracts signed.   I wish to seek advice on if my next step actions are reasonable and what other courses I should take?  To be honest I am now really gutted that I opened the door for them, and I am now even not sure if they had actually replaced anything on my roof as I did not see any rotten timber being taken down, no waste whatsoever.  I am even more worried if the roof was damaged in the process.   I am sure they will be coming back to my house tomorrow to demand payment, so any advice on how to deal with them would be really helpful.  I also don't want to antagonise them, I have no idea who those people are, I checked their company and it looks like they only established it last year.   Thank you so much in advance!    
    • You think the "Local Council" (of other authority depending on the status of the road) had a responsibility to take winter weather precautions for your protection.   Before gaining my support, can you confirm that you did similarly by equipping your car with 'winter' tyres?   Most people 'south of the border' do not bother. In many countries/regions (including where I live) they are obligatory in winter months irrespective of daily weather conditions.  They work, even on black ice, but adapting driving style is still required.
    • well cabot get nowt then.   cant hurt to CCA BC, they never kept them in the right format most of the time anyway.   the Barclays OD , what i means is you are no longer having any wages/benefits or anything paid into it...thus you are controlling when it ever gets any money...whats the sum?
    • aI have made a further complaint to the ICO regarding the second incomplete data disclosure received from Ombudsman Services. Within their disclosure is a key document missing a date. The date on the document I am in receipt of does not match the data of the document the Ombudsman disclosed and appears as if their document could have been deliberately falsely dated by a member of staff that works(ed?) in the "Legal & Compliance Team".   I believe I am now in receipt of evidence that the OS is attempting to mislead both myself and the court.   Are the CAG aware that it is highly likely that a signifcant number of staff that work at Ombudsman Services also work on behalf of POPLA? This should certainly steer the understanding of what sort of treatment appellants can receive when using such a "service".
    • I received a iPhone from mobile phone direct, the agreement was 150Gb with O2 provider. O2 sent me SIM which doesn't work. I contact O2, I complain,I chat with O2 but the SIM card doesn't work.In 3 month but they keep send me bills. I don't pay. The final bill is 1200 pounds,but the iPhone cost 700- 800.   Because of this I lose some jobs and loss of earnings. I would like to pay the cost of the iPhone, and nothing else. I got county court in May. How can I set my defense. Thanks you.
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Esure and going to court to reclaim my excess


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Hi my insurers are Esure and back on the 16th November 2009 a lorry switched lanes and clipped the passenger side of my car and drove off damaging my car with £1100 damage. I finally have a court date set for 26th October 2010. I have had my car repaired at £450 excess and now the court require a further £75. I want to know if I should continue down the small claims court route or should I just give up at this stage and call it a day.

 

I have captured a poor quality image of the lorry driving away and managed to record its registration number. I feel compelled to go to court as I was 100% in the right. I am worried that the judge will go down the 50/50 route and i will get nothing. any help with this would be much appreciated. Many thanks

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You have the court date, so I think you should just go for it. The other side may not turn up anyway and you could win by default.

 

If they do turn up, you might need a bit more evidence than a poor quality picture of the lorry. Did you have any other witness to what happened? If not, I suspect the lorry driver will say that they know nothing about the accident.

 

What you have to realise is that the lorry drivers future career could be at stake. This could be an accident that ' breaks the camels back' for which the employers might not be happy. So they might well vigorously defend your claim.

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What is the 'further £75' for? Also, who is taking the court action, you or Esure?

 

What confuses me is the cost to you is your excess (your Uninsured losses), BUT also as a claim against your insurance, there is also a value on your loss of NCD which should also be quantified and pursued. If Esure decided not to pursue the matter, but you did - you would be pursuing their full costs too (of the repair) as you could reimburse them and have a clean sheet.

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You should sue for the full amount of the repairs. If you win then you repay esure their outlay and there is no NCD issue.

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Nothing in this post constitutes "advice" which I may not, in any event, be qualified to provide.

The only interpretation permitted on this post (or any others I may have made) is that this is what I would personally consider doing in the circumstances discussed. Each and every reader of this post or any other I may have made must take responsibility for forming their own view and making their own decision.

I receive an unwieldy number of private messages. I am happy to respond to messages posted on open forum but am unable to respond to private messages, seeking advice, when the substance of that message should properly be on the open forum.

Many thanks for your assistance and understanding on this.

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