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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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I rent a ground floor flat from the Housing Association. There was a leak from the flat above (also circle 33) which poured into my cupboard over a period of weeks. (Just found out today after I noticed a stench which smelt like a gas leak).

 

It has ruined the electrical items stored in the cupboard, but circle 33 has stated that they will make good the leak from above and damp proof my cupboard, but I will have to claim on my own insurance for the items damaged.

 

Is that correct? I thought they took responsibility but I could be wrong......:|

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Been through this myself insurance as i have just moved into a housing authority accomodation.

 

It is misconception that the housing authority will compensate you for any loss through a water leak etc upstairs.

 

You have to have your own insurance policy to cover such things.

 

It might be possible to claim if the upstairs have their own policy but unless you can prove negligence, and not force majeure, you are stuffed.

 

Your own housing authority should have explained this to you the importance of your own household insurance

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Agree with obiter but if you don't have contents insurance you could try claiming on the HA's public liability insurance. It might work but no guarantee.

 

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I would check the buildings block policy insurance as that is what would normally cover 'escape of water'.

 

I had a similar thing some years ago in a flat (not housing assoc) and the claim was made against the buildings policy that covered the block.

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The buildings insurance will be covered by the Housing Authority

 

The housing Authority has no indvidual liability for internal damage to personal property, That is why you need seperate contents insurance as the tennant

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The buildings insurance will be covered by the Housing Authority

 

The housing Authority has no indvidual liability for internal damage to personal property, That is why you need seperate contents insurance as the tennant

 

That seems strange to me as the owner of a property is responsible for the buildings insurance and that is what normally covers 'escape of water'. The other thing that needs to be considered is not just the items that were ruined but the effect of the water damage on the ceiling, walls etc - which would be covered by the buildings insurance. You are right in saying that the HA has no liability but their insurers do.

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My take is that if the damage is caused by something that is covered by the buildings insurance then everything that is effected by the damage is also covered. Its the HA insurer that would responsible not the actual HA. If the OP has contents insurance I can there insurer wanting to speak to the buildings insurer.

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My take is that if the damage is caused by something that is covered by the buildings insurance then everything that is effected by the damage is also covered. Its the HA insurer that would responsible not the actual HA. If the OP has contents insurance I can there insurer wanting to speak to the buildings insurer.

 

The buildings insurance is exactly that - insurance for the buildings (and as buildings insurance isn't mandatory, it is down to the HA if they involve them or carry out repairs themselves). It will not cover contents items (personal belongings).

 

I think you're getting at the liability cover - if there is legal liability on the housing association for the damage, then the insurer would generally insure that loss - but this rests on there being a valid legal claim against the housing association. This would mean the leak was caused by their negligence - and you would need proof of this.

 

Contrary to what a lot of people believe, a leak from a neighbouring property on its own does not make the property owner responsible, there has to be negligence - either in causing the leak, or in failing to deal with it adequately once aware.

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I am not getting confused with anything. Whilst buildings ins may not be compulsory it will be very stupid for non to be in place.

 

I base what I say on experience. The guy in the flat above me let his bath overflow which came through my ceiling. Everything that was damaged was covered under the block buildings policy.

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I am not getting confused with anything. Whilst buildings ins may not be compulsory it will be very stupid for non to be in place.

 

I base what I say on experience. The guy in the flat above me let his bath overflow which came through my ceiling. Everything that was damaged was covered under the block buildings policy.

 

Therein lies the answer - letting a bath overflow is clear negligence, and therefore covered under the liability section of the buildings insurance.

RMW

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For the last time and am now getting fed up of this. I moved into my Housing Authority flat only last month and this was all explained to me.

 

If the upstairs bath overflows then the housing association will fix any structual damage to the flat above, and any any below.

 

The buildings insurance is NOT contents insurance.

 

It will Not cover personal belongings damagd in either upstairs or downstairs personal property

 

I am looking at the Tennancy terms and conditions right now and insurance, that is buildings and personal contents

Edited by obiter dictum
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Unnecessary long thread.. HA Buildings Insurances cover the whole building, including all interior walls, flooring and ceilings, plus any fixtures the HA installs such as bathroom, kitchens, fixed wardrobes, light fittings. The tenant takes out Contents Insurance for their possessions, plus anything they have added e.g light fittings, stairlifts, towel rails, carpets.

 

HA Buildings cover is different to leasehold block of flats cover, where the Buildings Insurers may not cover internal flat fittings and fixtures.

 

In some blocks of flats you have mixed ownership, private and HA. I guess in that situation, the HA pay towards whatever block Buildings Insurance exists and they may take out some form of Buildings cover to cover the internal walls, ceilings etc to protect them and their tenants.

 

So it may vary depending on where you live, but the HA will always fully cover their property.

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So you may have a claim from the person upstairs if it can be reasonably ascertained that the overflowing bath was caused by a forseeable event that they did nothing to prevent. To go after the LL you would have to prove that they placed this person in a position where that event was very likely to occur such as housing a tenant in a flat that is for the sole occupation of say a dementia patient and leaving them to it.

So, does the person upstairs have any assets or the means so pay if you sued him? If not dont bother and spend the money on contents insurance.

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