Jump to content
  • Tweets

  • Posts

  • Our picks

    • 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
      • 49 replies
    • 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.
       
        • Thanks
      • 3 replies
    • 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!
        • Thanks
        • Like

Paying out for damage apparently caused by rats?


Please note that this topic has not had any new posts for the last 1419 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

Hi all - not sure if this post is in the right sub-forum.

 

My tenants have just reported that they think a rat chewed through a water pipe "About 2am last night we heard the rat in the middle bathroom upstairs. The noise was coming from under the toilet. I closed the door and lock it from the outside. A few hours later the rat started gnawing at the actual door.

A few hours after that I heard water gushing out of the bathroom.. I opened the door and water was coming out from the floor boards.

I assume the rat gnawed through some pipe work.

We had to turn the water off at the main pipe to stop further flooding and we are frighting to use the electric lights etc".

 

I've checked my landlords's insurance and whilst water escape is covered, there is an exclusion clause regarding vermin "Corrosion, rust, wet or dry rot, shrinkage, evaporation, leakage, loss of weight, dampness, contamination, fermentation, dryness, marring, scratching, chewing, vermin or insects".

 

Does this mean that if they think and confirm that the burst pipe WAS caused by rats then then the insurance company will also NOT cover the water escape ? I would be grateful for any thoughts regarding this as it seems to be an unusual situation. Also, for all I know, the flooding may have been caused by allowing the sink to overflow and this has been blamed on the rats, but I guess the insurance will investigate and tell me. There are no floorboards in this bathroom - just tiles over under floor heating so the report of the rats doesn't seem to "ring true"!

 

By the way, my house was 80 % rebuilt before the tenants moved in - all new walls, plastering, plumbing, electrics, etc. This is the first that I've heard that there were rats in the property - the tenants have been in since April and this is the first time that they have reported rats but have now told me that they have seen them-evidence of them before "Hi ***

There is a rat issues in the property

There was a hole under the bath were the rat was coming through.. and into the living room etc.. We managed to seal that hole as best we could.

In the kitchen under the sink, they have managed to chew the thin wood that backs onto the wall...and also come through the holes were the pipes go into the wall. We have tried to fill the holes with plumber’s wire wool.

In the kitchen at the top of the cupboards I sometimes leave my box cereals.. today I noticed that the boxes have holes and evidence of rats."

 

Obviously, I am a little annoyed that they didn't tell me before so I might have sorted out the matter before this happened (though this is a matter for the residential lettings forum).

 

Thanks and apologies for such a long post!

Link to post
Share on other sites

From past experience with my insurance company, The damage that any water has caused will be covered, Just not the cause

 

Years ago the water tank in my bathroom leaked, The insurance paid for the damage to the kitchen ceiling, But didn't cover fixing the tank

 

Best bet would be to talk to them

Link to post
Share on other sites

Vermin damage is a separate cover as I found out 10 years ago when rats had managed to chew through some redundant sewage pipes blocking the sewage of the entire terrace.

At the time shared drains were responsibility of landlords, so I paid for the pipe to be relined out of my own pocket.

It costs me £22 a year to be insured against vermin damage.

Anyway, It's unusual for rats to chew water pipe because apparently, and I just repeat what a plumber told me, the chemicals in the plastic pipes prevent this and copper pipes would damage their gums and teeth.

Best option is to expose the damage and reveal what has caused it.

If indeed it was rats, unfortunately you won't be covered.

In any case, as it is evident that there are rats in the property you should call a reputable pest control to stop them invading your property, they reproduce very quickly.

I don't think you can even blame the tenants because they told you that they had seen evidence of rats (difficult to see them as they mainly operate at night when all lights are off, unless the colony has grown so much that they go out during the day to find food.

Good luck, you'll need it with these unwanted guests.

Link to post
Share on other sites
Thanks all - ing - are you saying that you think the insurance will not even pay out for the escape of water?

 

Not if it's been caused by rats.

It's a standard exclusion on all the policies I've ever seen, including yours apparently.

Sorry for you.

Link to post
Share on other sites

I would expect the insurer to cover the cost of any water damage but not any damage caused by the rats directly - e.g cost of pipe repairs/floorboards they've gnawed at etc.

Link to post
Share on other sites

Water damage should be ok, if you have accidental damage cover. If you have standard cover, they won't cover it.

 

Damage directly caused by the rats to pipes/floorboards will not be covered due to vermin exclusion.

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
Water damage should be ok, if you have accidental damage cover. If you have standard cover, they won't cover it.

 

Damage directly caused by the rats to pipes/floorboards will not be covered due to vermin exclusion.

 

Thanks - fortunately I do have accidental damage.

Link to post
Share on other sites

In my case they refused to pay for anything because the chain of events had been started by rats, and I had accidental damage cover.

Hopefully your insurance will pay for water damage so you only have to pay for a small length of pipe.

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...