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    • Hey! Sorry for not writing, I have been extremely busy in the past few weeks. I do have a question though and I wanted to see your opinion. I understand that the next step will be probably to take legal action against Amazon. But there is one thing that I haven't tried yet. What do you think about filing an official complaint through a third party, like https://www.econsumer.gov/#crnt or with the relevant (private sector?) ombudsman (I am not sure where I could do that)? And if I am not happy with the ombudsman's decision, I could still take court action. 
    • what about the unnecessary building insurance?   but to be honest you are not going to ever seriously dent a £148k sum  
    • No just the year stated from 2019
    • Or even the off-premises definition c will apply here too. a contract concluded on the business premises of the trader or through any means of distance communication immediately after the consumer was personally and individually addressed in a place which is not the business premises of the trader in the simultaneous physical presence of the trader and the consumer;   I am not sure what would be classed as 'immediately'   Great to have this discussion by the way which I hadn't contemplated.
    • No negotiations or discussions took place at the agent's premises - the only face-to-face contact was at my home when the agent came for initial introduction and appraisal of the property. Good question regards to the difference between the two. I guess the distance contract applies to sole online purchases whereas bullet (b) of off-premises contract applies to me as the agent's represented visited my home and the offer was made then for the services.   “distance contract” means a contract concluded between a trader and a consumer under an organised distance sales or service-provision scheme without the simultaneous physical presence of the trader and the consumer, with the exclusive use of one or more means of distance communication up to and including the time at which the contract is concluded;     “off-premises contract” means a contract between a trader and a consumer which is any of these— (a) a contract concluded in the simultaneous physical presence of the trader and the consumer, in a place which is not the business premises of the trader; (b) a contract for which an offer was made by the consumer in the simultaneous physical presence of the trader and the consumer, in a place which is not the business premises of the trader; (c) a contract concluded on the business premises of the trader or through any means of distance communication immediately after the consumer was personally and individually addressed in a place which is not the business premises of the trader in the simultaneous physical presence of the trader and the consumer; (d) a contract concluded during an excursion organised by the trader with the aim or effect of promoting and selling goods or services to the consumer;
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Reinstatement of works - Insurance builder low ball bid


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My surveyor drew up a schedule of works which he sent to 3 builders, one of which was the insurance appointed builder. The bids from the 2 builders chosen by me came in at a very similar price. The insurance company builder came in at 50 per cent less than them. This difference equates to 10k in money terms. The insurance will only pay on the lowest bid, but I feel the insurance builder is too low and does not reflect market rates. I do not feel my surveyor (who is appointed by me but paid by the insurance company) is working in my best interest because he has not challenged the low quote from the builder. I do not feel I am being treated fairly. What can I do?

 

By the way, the reinstatement works on my home are due to start soon and I have chosen to go with my builder rather than the the insurance builder whose work I am not familiar with. I do not want to delay this work any further.

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This was previously raised here.

 

Providing that the schedules between the two sets of work match, you have two choices - you can accept a cash settlement for the works at £10k less, or you can get the insurers builder to carry out the works. The insurers builder will be cheaper - the insurer bulk buys work from them and it will be cheaper. Market rates don't come into it, if the insurer can get the work cheaply, then that's what you will get.

 

There is a third option - go back to your builder and negotiate, ask them to reduce your price or you can't afford to use them.

 

You can also make a formal complaint via the insurer, and you then have the option of the financial ombudsman if you are still not happy.

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