Jump to content


  • Tweets

  • Posts

    • The firm has benefited from the AI boom, making it the third-most valuable company in the US.View the full article
    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
    • At a key lecture in the City of London, the shadow chancellor will also vow to reform the Treasury.View the full article
    • Despite controversy China's Temu is becoming a global online shopping force.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Can I claim internal damages on building insurance?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 782 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I'm afraid I caused a catastrophic leak in my flat which affected the two flats below me as well as mine to some extent.

There was water damage as well as damage to the original electrical cables. 

 

Obviously we have building cover for such events but would I be able to make a claim for the issues caused internally? For example now that my fridge freezer is live again, the electrical panel is not working properly so I cannot even change the temperature of the fridge, let alone anything else.

 

Also while I am not ungrateful that it was dealt with quickly, the electricians who came to fit the new cables have just plonked a thick black cable along one side of my hallway and it is really hideous and an eyesore - I did ask them to lay it in the opposite direction which would have been less noticeable but they ignored me and fobbed me off with a bunch of lies. I feel claustrophobic just looking at it. 

It is so awful that I cannot imagine ever being able to sell my flat at the going rate. 

 

Do I have any recourse for this or is it set in stone?

Edited by dx100uk
Grammar, tidy up
Link to post
Share on other sites

Internal items would need to be claimed against Content Insurance.  And each flat owner would need to claim against the own Contents Insurance.

 

In regard to the electrical cable work, the person responsible for dealing with the claim for the electrical work, should contact the Insurance company.  Does not sound acceptable to have a black cable running down the hallway, unless this is only temporary.

  • Like 1

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

No it's not temporary, they said I could paint it. They were awful. Very dismissive of anything I suggested to make it less obvious. In a square hallway it would have been equidistant if it had gone the other way, and far less obvious but they ignored me. It is running along the top of the wall.

Edited by kenwood
Detail
Link to post
Share on other sites

Hi

 

I have to agree the way that cable has been layed doesn't seem correct if it is not temporary.

 

So I would contact your Insurance Provider who sent this contractor out to make a Formal Complaint about this Electrical Contractor and tell them exactly what has happens as you said it here. 

 

You require this to be resolved by: 

 

(State how you want then to resolve this issue)

 

You also required the following:

 

1. The name of the Company that came to do the Electrical work in your Property.

 

2. The Electrical Registration Number of the Employee that carried out the work from that Company so I can check they are Qualified under (NICEIC)

WWW.NICEIC.COM

NICEIC provides assessment and certification services for contractors working across the building services sectors. We assess electricians...

 

 


Don't be afraid to challenge this it is your right as you are paying for the Insurance Cover and remember it was the Insurance Company that employed the services of that Company to carry out the work in your Property so the Insurance Company is responsible for the works carried out by that Contractor.

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

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

Link to post
Share on other sites

Stu007, thank you. I've asked the managing agents for the name of the company, if it is even a company. Also the actual insurance policy to see what it says. Will ask for what you mentioned too.

Link to post
Share on other sites

no why do you think that?

dx

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi

 

If you are specifically on about Armoured Electrical Cable the answer is as dc100uk has stated.

 

Armoured Electrical Cable can be moved and I assume this is the cable you are referring to in post#1 the thick black cable.

 

I do hope this is not one of the excuses from the Management Company/Person that installed that cable.

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

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

Link to post
Share on other sites

Is the possible reason for the cabling being done in this way, due to asbestos in the building, so they cannot(*) start drilling into some area to hide the cables ?

 

* if there is asbestos present, they may not want to disturb it, as that would mean they would have to clear the building of people for the period of the works, take a lot more h&s precautions etc.

 

 

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

  • 1 month later...

Hi, sorry I didn't see this before.

 

No I doubt very much there was a concern about asbestos, although he probably would have said there was just to shut me up.

 

The electrician was a bit of a sociopath, he told me one lie after another, after another, just so he could do what he wanted. He just laid the cable from A to B with absolutely no concern about anything else due to it being an "emergency". 

 

I've challenged the managing agents many times but they will not listen to anything I say, will not show me a copy of the insurance policy and furthermore they are going to deduct £500 excess for the whole claim from me.

Edited by dx100uk
unnecessary previous post quote removed + post spacing
Link to post
Share on other sites

In that situation, I think I would obtain further legal advice about the actions I could take.

 

If you are a leaseholder, you need to think about future saleability of the property.

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...