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    • Thanks Dave, greatly appreciated!   Working on the SAR right now.   I've attached my images in a PDF NCP.pdf 
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    • Good morning.    I would like some advice please.    I recently (19th nov) bought a Samsung Galaxy S20+ from currys. I did open and set up the phone to try it out but 1) wasn’t keen on it and 2) had trouble with the usb connection when trying to connect with my car stereo.   I decided that I would seek to return it, but only on trying to return it came across the stipulation that if data/software has been installed then a refund would not be issued and after calling was told this was due to GDPR. I did point out to them that phone providers will issue full refunds even if the phone has been set-up and also that in order to be able to test the phone it requires setting up and software/data being installed but was told that it’s their policy.   I acknowledge that I may have handled it more than is reasonable in a shop as you wouldn’t be able to install software in a store, however the phone did need to be set up in order to test it, the phone has been returned back to factory settings and didn’t leave a case or the plastic film for the two days I used it for. Therefore I do not believe it was handled more than necessary.   Having looked at the CCR and CRA I called back to state that their store policy is super erred by the previously mentioned regulations and that their policy contradicts the Consumer Regulations Act.   As you cannot properly test the phone without having to install software on it, their policy creates an unfair term which I told the customer service agent over the phone who spoke to her manager and told me to contact their legal department.   I am still within the 14 day notice of return period so wish to try and preferable use this route.   Any advice at all please?
    • Here is all the details (hopefully) in one post.   The Ford Kuga was purchased from Fast Motor Finance LTD Crawley on 8th September 20 Mileage at purchase was 109520 through HP fiancé via Advance Finance Grimsby   The car was covered by a 6 month warranty that includes engine & gearbox but excludes clutches, flywheels or any wear & tear (Taken from the garages website)    Service History:   08-04-2013 Pre-delivery Inspection 26-11-2013 12809 Service (no paperwork just stamped book) 09-07-2014 25963 Service (no paperwork just stamped book) 09-02-2015 36814 Service (first Invoiced service but no paperwork just stamped book). Gearbox service would of probably been done here but can't verify. 16-02-2016 50385 Service  (Full service, paperwork and stamped book) 31-03-2017 64680 Service (Full Service, paperwork & stamped book) 13-02-2018 76988 Service ( Full service with gearbox service, paperwork & book stamp) 29-03-2019 92592 Service (Full service with paperwork & book stamp) 11-02-2020 106322 Service (Basic Service, no paperwork but book stamp)   As there was no paperwork for last service the garage which serviced the car were able to email over that the service was a basic oil & water change and that the gearbox oil and filters was not changed.   At the beginning of November the gearbox started making some noise and was having trouble selecting gear.   The finance company  asked for the car to be taken to a VAT registered garage to find out what the problem was and not to drive it further.   After the garage looked at the car the estimate was for a full service of the gearbox which would be £370 but because it had gone over Ford recommended mileage for the gearbox there would be no guarantee this would clear the problem and that would mean a replacement gearbox would be needed.   Since picking the car up in September the car has driven 1500 miles.   Spoke to the garage as was informed that the car was over 30 days old and there was nothing they could do and the gearbox would not be covered by the warranty as this would be normal wear and tear!   The warranty company said exactly the same and would not entertain us.   After countless calls and emails to Advantage finance a formal complaint was raised and they finally agreed to send one of their mechanics to inspect the car last week 19th November. The mechanics ahs reported back to Advantage that the noise is down to wear and tear and Advantage have closed the complaint and are sending out a deadlock letter that includes a copy of the mechanics report.   Would their mechanic have to be DEKRA registered to complete the report or Advance Finance own mechanic?   This now means that the car cannot be driven is still at the garage and will need a minimum of £370 to make it driveable on a car that has been driven 1500 miles since collection without a guarantee that this will cure the problem.   We are both key workers that need the car to travel to and from work as well as take our son to nursery, and at the moment having to rely of friends and family to help out with lifts.   I have spoken to Ford and they have told me these car need to have the gearbox serviced at around 35k and at a very maximum of 37.5k and have put this on letterheaded paper, I have also emailed a couple of other Ford and independent dealers to get details of this as well.   Would it be worth getting an AA or RAC inspection done to check the gearbox and to see if there is any other problems with the car.   Thanks again to everyone epically dx & Bank fodder who have helped me with advice.   JJ    
    • nothing they can do anyway so..   dx
  • Our picks

Davies Group - painfully slow home insurance claim


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Apologies if this appears more than once as I cannot seem to get the hang of finding the correct section to post to let alone having my post published, so if this appears as a duplicate, my apologies.

 

Hello

I have had an incredibly difficult time dealing with the insurance loss adjusters (Davies Group) for my claim. It has been a year now and relates to escape of water in my home.

 

My question is this; the adjuster required me to supply 3 quotes one of which had to be from their own approved builder. Their builder declined to quote, and I nonetheless supplied the 3 quotes to the adjuster. The Adjuster eventually got back insisting that their own builder supply a quote. We asked them again and this time they did supply a quote. Since the adjuster already saw my builders quotes how can we be sure that there wasn't any collusion between adjuster and their own builders with regard to their bid.

Secondly, since the adjuster will only take the lowest bid, what is the point of me getting quotes from my builders when an insurance builder will always come up with the lowest quote.

 

Thank you

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The Insurers will obviously ensure that they get the works done as cheap as possible. But at the end of the day the work has to be done, so that the house is put back to the way it was prior to the claim event.

 

If Davies groups own contractor does come up with a cheaper quote, ask for a copy of the quote confirming the scope of the works they will be doing and what materials will be used. Then compare this with the other quotes obtained. What csn sometimes happen is that the Insurers contractor will try to get away with using cheaper materials, which are not of the same quality, as those that were damaged. This is obviously wrong and the only difference should be the labour rate. If the Insurers contractor is willing to work for a cheaper rate, then it is your choice whether you trust them or you pay the difference to use the contractor of your choice.

 

There have been similar complaints on here before about Davies group. If you are not happy being messed around, you should make a formal complaint to the Insurers you have the policy with.

We could do with some help from you.

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Insurance contractors will almost always work to a 'schedule of rates' - this is a preagreed figure for a specific element of work, regardless of the actual job.

 

As an example, they might pay a fixed cost of £400 per room to dry a property out, including hire of dehumidifers, collection, readings visits etc, whilst your contractor may charge £75/week for the hire, and another £50 per monitoring visit - for a quick job, clearly the local contractor will be cheaper but for a long drawn out job, their insurance contractor will be cheaper. For removing and refitting a kitchen unit, they might pay £112.74 regardless of if it's awkward to remove.

 

On some jobs, the insurance contractor will be cheaper, on others, a local contractor will be cheaper. Ultimately, if the insurance contractor is willing to undercut your own quotes (and has seen them), it makes no difference. That is the price that they can get the work carried out for.

 

As UncleBulgaria has said, they should be able to supply an uncosted scope of works for you to ensure they are quoting for the same thing. There are certainly benefits of using an insurance contractor - you have the protection of the final ombudsman should anything go wrong later on, for start.

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A schedule of works was drawn up by my surveyor and this was given to all the builders that quoted including the insurance company builder.

 

How about the fact that the adjuster saw the bids from my builders before the his builders actually provided a quote. Would there not have been some collusion between the two parties thus ensuring that the insurance builder quote was the lowest? Can I go somewhere with this?

 

The Insurers will obviously ensure that they get the works done as cheap as possible. But at the end of the day the work has to be done, so that the house is put back to the way it was prior to the claim event.

 

If Davies groups own contractor does come up with a cheaper quote, ask for a copy of the quote confirming the scope of the works they will be doing and what materials will be used. Then compare this with the other quotes obtained. What csn sometimes happen is that the Insurers contractor will try to get away with using cheaper materials, which are not of the same quality, as those that were damaged. This is obviously wrong and the only difference should be the labour rate. If the Insurers contractor is willing to work for a cheaper rate, then it is your choice whether you trust them or you pay the difference to use the contractor of your choice.

 

There have been similar complaints on here before about Davies group. If you are not happy being messed around, you should make a formal complaint to the Insurers you have the policy with.

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How about the fact that the adjuster saw the bids from my builders before the his builders actually provided a quote. Would there not have been some collusion between the two parties thus ensuring that the insurance builder quote was the lowest? Can I go somewhere with this?

 

No... you could go back to your builder and say the insurance company will do it for £x - will you reduce your price to match? which is no different.

 

Edit: my number one tip to speed up a claim with a loss adjuster is to politely hassle the insurer (not the loss adjuster) frequently. If you're waiting for a callback, ring the insurer daily until you get it - and if they tell you to speak to the loss adjuster, say you've tried that and it's not working. They should be taking ultimate responsibility.

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No... you could go back to your builder and say the insurance company will do it for £x - will you reduce your price to match? which is no different.

 

Edit: my number one tip to speed up a claim with a loss adjuster is to politely hassle the insurer (not the loss adjuster) frequently. If you're waiting for a callback, ring the insurer daily until you get it - and if they tell you to speak to the loss adjuster, say you've tried that and it's not working. They should be taking ultimate responsibility.

 

That is really the best advice. Hassle your Insurance company and you are quite likely to achieve an outcome you are happy with.

We could do with some help from you.

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Thank you so much for all your replies they are very helpful indeed.

 

It seems from reading in this forum that the quality of work by insurance builders is questionable. Is there anything I can do to verify the quality of the work of this particular insurance builder. I would never dream of using a builder for this major re-instatement work without checking references. What rights do I have with regard to assessing the insurance builder's competency?

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Hi far20

 

Could you confirm you are in the UK?

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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Thank you so much for all your replies they are very helpful indeed.

 

It seems from reading in this forum that the quality of work by insurance builders is questionable. Is there anything I can do to verify the quality of the work of this particular insurance builder. I would never dream of using a builder for this major re-instatement work without checking references. What rights do I have with regard to assessing the insurance builder's competency?

 

You have full rights against your Insurers to make sure the work is done properly. If the contractor failed, the Insurers would have to pay the relevant sum to get the work done to the right standard.

 

You could ask for the contractors full details and make your own checks. I doubt the Davies group would supply references from satisfied customers unless they were available already.

 

It is your house and you can do what you want, but the budget for the works is the cheapest quote obtained. A member of my family had a large water damage claim, they wanted their own contractors, so they obtained cash payments from the Insurers to pay for materials and to pay contractors. If your Insurers agree to similar, it would be your responsibility and you have no comeback on Insurers if works went wrong.

We could do with some help from you.

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  • 1 month later...

Hi, new to this site as I'm trying to help my mum and her 9 month battle with Saga and Davies loss adjusters. Is there anybody still on here for advice please . Thank you Stephanie:)was reading posts from 2012 re having the right to ask your insurers for a new loss adjust company? :)

Any advice greatly appreciated

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Hi steffijo

 

Could you please start you own thread rather than ask on someone elses thread.

 

This way you will get the help required to assist you in your issue.

 

If unsure how to start a new thread See Below.

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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  • 2 months later...

I am also suffering at the hands of Davies Group after four and a half months. They workers employed nice guys to a man but don't let em in the house. Today i have been told by the loss adjuster, "you just want to compalin about everything." Damn right i do when the catalogue of errors never ends, the work is sub standard, and everyone promises the earth but in actual fact does next to nothing. How they maintain business is worrying, cheap labour, cheap materials, and no customer service.

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