Jump to content


  • Tweets

  • Posts

    • I got a quote from a builder to erect a basic timber leanto on the back of my property, and do some remedial work to an already existing brick shed. The area for the leanto already had decking but this was rotting so was to be removed.  The builder is a part time firman, and is a near neighbour of my daughter, and semed a friendly enough person.  When he came to view the job in May 20, I explained I was not looking to start the works until begining of August 20, so I could comfortabley get the funds together.  He mentioned he would be free to start on 1st July 20 as had no work booked in for that period.  I explained that I am disabled with a variety of consitions included limited mobility. I run a business from home from my loft office and wanted the leanto so I could have a dedicated space downstairs to work from hen needed. He sent me a quote via email. The quote was in a Ltd company name, but had no address on it and had a start date of 1st July 20.  I agreed in the end to this start date as he said he was free. Total quoted for all works was £10,720 with a deposit of £4390 to be paid immediately for materials to start on 01/07/20.  He sent me some pictures of garden rooms he had recently completed, and I liked the idea of having UPVC cladding for minimal maintenance and asked how much more this would be, and was advised £1730, so I paid a deposit of £6120 on 01/09/20.  The bank account details I was provided to pay the deposit was the builders wifes account.  he said the company was new.  He sent me an email on 30/06/20 saying he was collecting ALL the materials on 01/07/20 and would start on 02/07/20, then he was delayed as was let down by some suppliers. Work did not actually start until 17/07/20 after I requetsed a refund due to breach of contract. They arrived and took town the old decking. there has been constant delays, excuses and outright lies and I again requested a cancellation of the contract and refund as of part of my money as they would turn up one day, then nothing, citing, supply issues, workers being sick, his child being sick, etc.  As he had assured us everything would be ready befoe 15/08/20 we booked a small gathering for a barbecue for my stepdaughters 21st and made the builder aware. We requested a full schedule of the works to be done each day and a completion date, which he gave in writing as 13/08/20, stating that the perspecx roof would be fitted on 11/08/20. Needless to say this did not happen, he claims there were supply issues with the perspex sheets and he ended up putting up a gazebo in the half completed frame of the building on the morning of 15/08/20 as no roof was on and I was concerned for rain, and confirming that the sheets for the roof would be dleivered the following week.  Well the builder went on holiday on 20/08/20, 2 workrs came on 20/08/20 and 21/08/20 to put up tarpaulin as still no roof had arrived, no cladding had arrived and a list of other works ahd not been done. On the morning of 22/08/20 we discovered we had a leak as thay had damaged a pipe when putting up the tarpaulin. I called and sent a text message to the worker and also texted the builder who gave me his plumbers number, who never came to fix the leak. on 27/08/20 I text builder again as still not heard anything form anyone and he said he was back in the country the next day and would come and see what still needed to be done and get things sorted.  He never arrived. On 01/09/20 I texted the builder who said he was at work the next day and my job would be on.  I asked him to explain exactly what that meant as I needed the work done as a priority,  He said, plumber coming today, cladding fitting tomorrow, roof panels Thursday.  No plumber arrived that day.  I contacted builder the next day, he said they were not coming as team member was sick, but he would get plumber there today.  i told him if no one came today, we would get someone else in to do works as I was getting bitten by mosquites from the stagnnant water.  No one came that day or the next.  I decided I would put the remaming works on a bulder site to get estimates to do the remaining works and then would give the builder a deadline which I did.  I spoke to the builder on 08/09/20 when he called to let me know thta he had again chased the roof panels, but he wanted me to sign a waiver about the roof.  I told him no, he had told me on numberous occassions that he had ALL the supplies, he know what was need from the start, and he had lied on previous occassions as he now admitted he had only ordered the roof panels on 21/08/20. he was however saying he had ordered bespoke panels to fit the roof, which were not necessary, discussed or agreed with me.  I told him that he had 1 week to complete all the remaining works or I would give the job to someone else and would reques a refund of monies as by now I had paid a total of £9655. All payments to his wifes account.   The builder called me on 15/09/20 to let me know he had been assured the roof panels were being delivred on that Thursday 17/09/20. I told him that was too late. he knew today was the dealine, he had not even bothered to acknowledge my email and as he clearly was not in a position to complete ALL the works by the end of that day, I would be employing alternate builders to start the next day 16/09/20, which I did.   Sorry the post is so long, but I wanted to give the history.   I have sent a letter guaranteed delivery addressed to the builder, his wife and the company  to their home address asking for a reund of £4500 withing 7 day.   I plan to take legal proceedings against ALL 3.  Although the quote had the company name on it there is no address or contact information on it, all communication came from his personal email address, he requested that the money be paid into his wife's account.   His wife is not a director of the company, she did become a company secretary on 22/06/20, so I believe I rightfully can request she repay the money as she had to right to it.   He has refused to send a breakdown of materials actually used, which is all I am prepared to pay for.  He has said I am not due a refund as he has paid for the materials. He has not fitted the cladding, or done any of the other works, which could have been completed whilst waiting for the roof panels.   Incidentally, the new builders saterted on 16/09/20, and obtained the same roof panels that morning and by Friday 18/09/20 had fitted the roof, cladded one side of the building, fitted,  UPVC doors to leant and brick shed, fitted and 2 UPVC wndows to  leanto.   Your advice regarding the status of the wife would be most helpful
    • Includes eligibility, appeals, tax credits and Universal Credit View the full article
    • Public backs debt enforcement to support vital public services - survey | CIVEA View the full article
    • The CMA has today published further detail on its views on the law in relation to cancellations and refunds during the pandemic. View the full article
    • A passenger is told she had accepted vouchers, although BA's website did not list them as an option. View the full article
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Please note that this topic has not had any new posts for the last 1494 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Don't bother with Saga Insurance. They send me letters offering low car insurance.

Initially they quoted £151 for fully comprehensive on my old Citroen Picasso 1.6 petrol vehicle.

My car insurance is due for renewal at the end of August.

I phoned Saga today to check the initial quote.

They now quote £409 and said sorry for the increase compared to their initial quote.

I then obtained a quote from the AA which was £152.

OK so if you get any letters from Saga offering low insurance, either bin them.

 

 

 

Edited by Andyorch
edit
Link to post
Share on other sites

Trouble with SAGA like others i.e. over 50s etc seem to have been taken over by the big boys or Insurance companies, so the idea of non prejudice went out of the window to personal gain.

:mad2::-x:jaw::sad:
Link to post
Share on other sites

I don’t wish to offer any comment on your post other than to say the whole insurance buying process needs to be addressed by the FCA, as in most situations it has becoming no more than a Dutch auction...

Link to post
Share on other sites

Just for fun I used Money supermarket to obtain a fully comprehensive car insurance quote for

an Aston Martin DB7, 6 litre V12 Turbo.

The cheapest quote was £358.42.

I therefore get the impression that if you want a fast powerful car which is cheap to insure,

get an Aston Martin.

Whatever car you fancy, don't buy a Citroen Picasso 1.6 petrol because it's far more expensive

to insure than an Aston Martin DB7.

How the insurance companies think you can get over 550 BHP from a 1.6 litre Citroen engine

is beyond me.

Link to post
Share on other sites

I just received an email from Saga Insurance requesting that I retrieve the insurance quote.

OK so I went to their website and went through their questions again just in case they had

made a mistake with their previous quote.

This time I removed my wife from the insurance.

All the other conditions were the same.

I am 59 years old, a completely clean licence, no claims or convictions, no accidents in over

40 years and maximum no claims bonus.

New quote was £440.

 

 

 

 

Link to post
Share on other sites

I have just discovered the most likely punishment for driving without car insurance.

Apparently it's a fixed penalty notice (no licence points) and a £200 fine.

OK so it seems to be far cheaper in fines to drive without insurance.

No wonder many young drivers don't have car insurance.

I would never drive without insurance, but I now understand why many young motorists do.

 

 

Link to post
Share on other sites
I have just discovered the most likely punishment for driving without car insurance.

Apparently it's a fixed penalty notice (no licence points) and a £200 fine.

OK so it seems to be far cheaper in fines to drive without insurance.

No wonder many young drivers don't have car insurance.

I would never drive without insurance, but I now understand why many young motorists do.

 

 

 

1. As another respondent has noted : the offence attracts penalty points.

2. If you have a conviction for driving without motor insurance, motor insurance becomes more costly.

3. Repeat convictions can lead to a disqualification.

 

Some might think driving without insurance is a risk worth taking to save money : but not if they look at the risks over all.

Link to post
Share on other sites

SAGA are just brokers using various companies to underwrite their policies. Knowing how pricing works a little bit, i should imagine that they insure a lot of Citreons, but very few Aston Martins. i should imagine that the pricing for the Aston Martin is wrong.

 

Many of these older driver companies are competitive for a year or two. But according to reports they are then quite often more expensive than other companies. Just because they advertise services for older customers does not mean they will look after them by offering the best premium available.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites
SAGA are just brokers using various companies to underwrite their policies. Knowing how pricing works a little bit, i should imagine that they insure a lot of Citreons, but very few Aston Martins. i should imagine that the pricing for the Aston Martin is wrong.

 

The OP used Moneysupermarket for a quote, it most likely quoted Admiral who can quote ridiculous prices on exotic cars, especially a car that is potentially 20+ years old or alternatively it picked up a classic car policy on a limited mileage.

 

When compared to (I assume) the Op's recently manufactured Citroen, a much older exotic car can seem very cheap to insure

Link to post
Share on other sites
The OP used Moneysupermarket for a quote, it most likely quoted Admiral who can quote ridiculous prices on exotic cars, especially a car that is potentially 20+ years old or alternatively it picked up a classic car policy on a limited mileage.

 

When compared to (I assume) the Op's recently manufactured Citroen, a much older exotic car can seem very cheap to insure

 

People with exotic or classic cars tend to not use them as all year round, all weather, every day transport.

 

They also usually have such cars out of a special interest and take greater care looking after them which includes protecting them from collision or theft.

Link to post
Share on other sites
People with exotic or classic cars tend to not use them as all year round, all weather, every day transport.

 

They also usually have such cars out of a special interest and take greater care looking after them which includes protecting them from collision or theft.

 

exactly.

Link to post
Share on other sites
exactly.

 

Depends on the person. One of my neighbours had a lovely old Bentley and used it most days. They like to keep them in running condition.

 

Down the road, there are two vintage car enthusiasts with a number of different cars. One of them is a 1930's Bugatti i believe in lovely condition, which is used throughout the summer.

 

It is true that some owners of expensive cars don't use them much, but quite a lot of them use them regularly to keep them in working condition.

 

I seem to remember plenty of pictures in the paper of expensive car accidents involving cars we would all dream of owning.

 

The other point is that with some cars, if you have a small prang, the repair bill can run into thousands. They are not the same as a Citreon where you can buy replacement panels fairly cheaply in comparison.

 

Not to say the quote on the Aston Martin was wrong, as we don't know the basis, but i have a doubt whether this was correct even for say less than 3k annual mileage and mostly garaged.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Not to say the quote on the Aston Martin was wrong, as we don't know the basis, but i have a doubt whether this was correct even for say less than 3k annual mileage and mostly garaged.

 

I've just run a 1995 DB7 through for a 50 year old in a low to medium post code, as the sole car for a driver with a clean record and there are eight different Insurers all under £500, the cheapest being Autonet at £350 and Churchill are £455.

 

None of them are Collectors Car Policies

Link to post
Share on other sites

In the Central Motorways Policing Group (CMPG) area, they are increasingly using Section 165 of the Road Traffic Act to seize vehicles where the driver has no insurance, followed by a trip to court for your £200 fine and 6 points.

Link to post
Share on other sites
In the Central Motorways Policing Group (CMPG) area, they are increasingly using Section 165 of the Road Traffic Act to seize vehicles where the driver has no insurance, followed by a trip to court for your £200 fine and 6 points.

 

The power to seize an uninsured vehicle arises from s.165A, not s.165 (which is the power to obtain names and addresses of drivers, and to "require production of evidence of insurance or security and test certificates").

 

CMPG have long used their powers to seize uninsured vehicles. Their recent change has been to agree with insurance companies that vehicles used for road racing, or modified, where the insurance company has not agreed these changes, will be treated as uninsured. The police inform the insurance company when the vehicle is stopped, the insurance company say "insurance not in place as soon as the unauthorised activity occurred", and the car gets seized......

 

https://www.west-midlands.police.uk/latest-news/news.aspx?id=4766

Link to post
Share on other sites
In the Central Motorways Policing Group (CMPG) area, they are increasingly using Section 165 of the Road Traffic Act to seize vehicles where the driver has no insurance, followed by a trip to court for your £200 fine and 6 points.

 

s.165A was introduced in 2005 and is used by many police forces to seize the vehicle of uninsured drivers - along with a £200 Fixed Penalty and 6 Penalty Points.

 

As above, in some circumstances, CMPG are making further enquiries in respect of the use of the vehicle.

Link to post
Share on other sites
I have just discovered the most likely punishment for driving without car insurance.

Apparently it's a fixed penalty notice (no licence points) and a £200 fine.

OK so it seems to be far cheaper in fines to drive without insurance.

No wonder many young drivers don't have car insurance.

I would never drive without insurance, but I now understand why many young motorists do.

 

 

 

OMG, yeah great, you drive with no insurance and it costs £200....................................

 

Until you have a genuine accident because your car skids on some spilt diesel and you crash into another car, the other driver breaks their neck and needs lifetime care.

 

You, are not insured so need to sell your house to pay the damages to the other party which your insurance Co. would have paid.

 

Great plan

 

H

42 years at the pointy end of the motor trade. :eek:

Link to post
Share on other sites
Just for fun I used Money supermarket to obtain a fully comprehensive car insurance quote for

an Aston Martin DB7, 6 litre V12 Turbo.

The cheapest quote was £358.42.

I therefore get the impression that if you want a fast powerful car which is cheap to insure,

get an Aston Martin.

Whatever car you fancy, don't buy a Citroen Picasso 1.6 petrol because it's far more expensive

to insure than an Aston Martin DB7.

How the insurance companies think you can get over 550 BHP from a 1.6 litre Citroen engine

is beyond me.

 

I managed to insure a 2014 F-Type with 3 pts for £275

Link to post
Share on other sites

Insurance has now gone mad.

 

 

If you have a motoring conviction - it now increases the cost of house insurance.

 

 

If you have a non-motoring conviction - it now increases the cost of car insurance.

 

 

now petty theft implies you are a bad driver

and a motoring conviction implies you will make more claims on your house insurance.

 

Seems like the insurance companies are using any excuse to increase insurance premiums.

 

This is madness and needs urgent Government intervention.

Link to post
Share on other sites

Non motoring criminal conviction may mean you don't operate within the law

therefore you are more likely to Speed/drive dangerously

 

 

... and the same applies for Home Insurance .

..It's all risk based if you want the best price don't take risks ,

 

 

Simple really

Link to post
Share on other sites
What's the connection between having a burst pipe in your house, or being burgled, and your ability to drive in a safe manner?

 

 

(That isn't a riddle, by the way!)

 

There isn't an obvious connection. Sadly, if insurers have noticed an association, even in absence of clear causation, they can load premiums as a result .....

Link to post
Share on other sites
What's the connection between having a burst pipe in your house, or being burgled, and your ability to drive in a safe manner?

 

 

(That isn't a riddle, by the way!)

 

Of course you're more at risk of having a car accident if you experienced a burst pipe!

Please don't ask silly questions 😂😂😂

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...