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    • be very wary upon what you see being recently posted on here 😎 regarding KIH.... all is not what it seems...  
    • 1st - all my posts on CAG are made not only in reply to the specific issue the topic starter makes but also in a general matter to advise any future readers upon the related subject - here it is kings interhigh online school. KIH lets take this topic apart shall we so readers know the real situation and the real truth...and underline the correct way to deal with KIH. https://tinyurl.com/ycxb4fk7 Kings Interhigh Online School issues - Training and Apprenticeships - Consumer Action Group - but did not ever reply to the last post.  but the user then went around every existing topic here on CAG about KIH pointing to the above topic and the 'want' to make some form of group  promoting some  'class action' against KIH . then on the 2nd march this very topic this msg is in was created. all remarkably similar eh? all appear to be or state..they are in spain... ....as well as the earlier post flaunting their linkedin ID, (same profile picture) that might have slipped through via email before our admin killed it.., trying to give some kind of legitimacy to their 'credentials' of being 'an honest poster'....oh and some kind of 'zen' website using a .co.uk  address (when in spain- bit like the Chinese ebay sallers) they run ... and now we get the father of the bride ...no sorry...father of a child at the uk-based international school in question posting ...pretending to be not the 'other alf... do you really think people are that stupid..... ................... nope you never owed that in the 1st place... wake up you got had and grabbed the phone - oh no they are taking me to court under UK jurisdiction...and fell for every trick in the book that they would never ever put in writing that could be placed in front of a court operating under their stated uk jurisdiction wherever you live. T&C's are always challengeable under UK law this very site would not exist if it were not for the +£Bn's bank charges reclaiming from 2006> and latterly the +£Bn's of PPI reclaiming both directly stated in the banks' T&C's were they claimed they were legally enforceable ...not!! they lost big time... why? a waste of more money if you've not got a court claim....... why not use them for a good outcome...go reclaim that £1000 refundable deposit you got scammed out of . people please research very carefully ...you never know who any of these people are that are posting about kings interhigh and their 'stories' they could even be one of their online tutors or a shill . don't get taken in. dx      
    • @KingsParent thank you for sharing your experience.  I also tried contacting the CEO but didn’t get very far. Do you mind sharing his contact details?  kind regards   
    • Thank you Rocky for the clarifications though they did cause a problem at first since an original windsccreen ticket was  of a different breach some time before. The current windscreen ticket only states that you were parked there for 6 minutes which is just one minute over the minimum time allowed as the Consideration period. There is no further proof that you parked there for any longer than that is there? More photographs for example? Moving on to the Notice to Keeper-it does not comply with the Protection of Freedoms Act 2012 Schedule 4. First there is no parking period mentioned on it. there is the time 20.25 stated which coincides with the W/S ticket but a parking period must have a starting and finishing time-just one time is insufficient to qualify as a parking  period as required in Section 9 [2] [a] . Are there any different photos shown on the NTK comapared to the w/s PCN? Not that that would make a difference as far as PoFA goes since the times required by PoFA should be on the NTK but at the moment Met only appear to show that you stayed there for 6 minutes. Another failure to comply with PoFA is at S9([2][e] where their wording should be "the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; ". You can see on your NTK that they misssed off the words in brackets. Met cannot therefore transfer the charge from the driver to the keeper. Only the driver is now liable. Then their is the discrepancy with the post code on the NTK  HA4 0EY which differs from the post code on the contract and the Post Office Postcode Finder which both list it as HA4 0FY. As you were not parked in HA4 0EY the breach did not occur. In the same way as if you were caught speeding in the Mall in London, yet you were charged with speeding in Pall mall London [a street nearby] you would be found not guilty since though you were speeding you were not speeding in Pall Mall. I bow to Eric's brother on his reasoning on post 12 re the electric bay abuse  That wording is not listed on their signs nor is there any mention on the contract of any electric charging points at all let alone who can park there or use them. He is quite right too that the entrance sign is merely an invitaion to treat it cannot form a contrct with motorists. Also the contract looks extremely  short no doubt there will be more when we see the full Witness statement. As it stands there is no confirmation from Standard Life [or Lift !] on the contract that Savills are able to act on their behalf. Also most contracts are signed at the end of the contract to prevent either side adding extra points. So their percentage  chance of winning their case would be somewhere between 0.01 and 0.02.    
    • Owners of older vehicles tell the BBC of their anger that their cars' apps will stop working.View the full article
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      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.
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House flooded Christmas Day - BVS already causing some issues.


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Hello!


So Christmas Day we have the lovely present of our pipe bursting in our kitchen with flooded the lower floor of our house with  water.

 

We called out a plumber and a company to help start getting some of the water and and start with the process of preventative work - ie floors out, carpet cleaning humidifiers etc.
 

We attempted to call our insurance the day off, but as they were out of office, they couldn't help us until a few days later. When we finally spoke to AXA, they provided us with a loss adjuster (BVS) who when looked into on reviews and websites - do not give a great service and have been known to under cut people with cash/cheque offers. The phone call we just had with them confirming their visit tomorrow confirmed this as they were extremely dismissive and questioned why we had the preventative damage started (we spoke to AXA who confirmed that we should go ahead and it would be covered). When we said that the company we used were coming tomorrow as they wanted to do their own checks, we were told to not let them be in the house while they were there as they needed the rooms vacated - they also did not want to see the other companies photos or documents of everything.

 

The issue we are worried about is we need pretty much all the bottom floor redone and the kitchen looked into - the water came from under the sink in a cabinet where the water may have ruined underneath or the cabinet itself (we are unable to get the kickboard off as it's stuck in). 

 

We are extremely worried about this visit tomorrow - are we within our rights to look at our own loss adjuster and what would be the process of this? We are just in a grey area and not really sure how to really proceed. 

 

We are based in Yorkshire, and the house was purchased newly built (it's less than 4 years old)

 

Would anyone who has experience be able to give us some advice that we can look into and keep in mind - I will update this tomorrow once the visit has concluded.

 

Thanks in advance!

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Please monitor this thread for a full reply later or probably tomorrow.

However, you certainly shouldn't accept the first offer that the insurers make. Yes you are fully within your rights to obtain your own independent reports as a basis for challenging anything that the insurer says.

No need to apologise for living in Yorkshire. It's quite a nice place.

It would be a good idea to have a telephone recorder going during the visit. No need to disclose this.

Also, in respect of telephone conversations, read our customer services guide

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Remember, however BVS behave, it is your Insurers AXA who are responsible for ensuring that your claim is dealt with properly and your house restored to pre-burst pipe condition.

 

As Bankfodder says, you can have your own assessors to provide information for your purposes, but these do not replace BVS.  AXA appointed BVS and under your Insurance contract, you must allow BVS to conduct their loss adjusting services.  If you are not happy with the way BVS deal with your claim, than you need to register a complaint with AXA claims department.

 

Remember that BVS and Insurance company staff dealing with claims, will be handling large volumes of burst pipe claims as well as other claims.  Therefore sometimes the way they communicate can be partly driven by the level of stress they are trying to cope with.  Insurance companies and loss adjusting companies tend to place work volumes on their staff that lead to problems.  So please be friendly and courteous to those who will be wanting to help you, but are under high levels of pressure.  

We could do with some help from you.

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Hello

 

So just thought I would post an update to help us a bit further. BVS have been and gone and we really are just astounded by the process with them. We also had another company in at the same time who were looking under the floors to help dry out and they were asked to stay of our BVSs way. 

 

So the other company has looked and under the floor is soaked - 4 inches of polystyrene and the membrane have water which they are recommending that it would all need to be replaced throughout. They are saying we may have to move out as the work can be intensive but they will give their inspection tomorrow to give us a full scope. 

 

BVS however have expressed that the underfloor is wet "due to the concrete being cold and the floor lifting has caused condensation" (through 4 inches of polystyrene) and only a few chip boards will need replacing. The overall quote they have given us is less than £2000 for the new floors (minus the carpet as that counts under contents apparently) sideboards and repainting. Honestly we just amazed as they didn't even really look at the kitchen or bathroom and we feel that it's really bad. When we asked questions about drying or work, we got "I've done this for x years and drying companies like X just like to find extra damage to charge". 

 

We haven't accepted the offer and are looking at other quotes now - who would be best to contact? Builders, Loss Adjusters, Surveyors? 

 

Would we also have to pay out of pocket for these also? BVS said they will accept them if we give a full breakdown but we are just worried that we will be out of pocket in the end. 

 

Thanks in advance. 

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Write to the insurer immediately and formally reject the offer on the basis that you consider that it is inadequate. Propose to them that they might like to appoint some completely unrelated loss adjuster to visit again and carry out an additional inspection.

Put them on notice that you are going to commission your own inspections and if eventually it transpires that there is a discrepancy, you will be coming to them not only for the full cost of repairs but also any ancillary costs incurred in respect of inspections et cetera.

You need to do that straightaway.

Then you need to get some inspections carried out.
You may as well start quickly with a couple of competent building companies to come along and have a look. But you are going to need written reports or quotations for the work.
When you get an idea of how different the prices are, then you can consider employing a proper surveyor for a full structural report. That will cost you money but at least by that time you will know whether or not it is worth the candle.

You are going to do anything without proper independent reports and quotations.

You need to put in hand straightaway.

Keep detailed list of what you are doing and of any expenses.

If there are any emergency measures to be taken then you should make sure that you get proper quotations for that work and inform your insurer in writing in advance of putting the work in hand.

 

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looking at BVS,

they have said that any quotations for other companies would need to be passed through them to be looked into.

They are expecting the report from the drying company to be sent to them tomorrow. AXA are just expressing that we should work with BVS first and then they can look into it further.

We already expressed to BVS that we were not proceeding until we looked into other companies first but again they want it all passed to them before proceeding - does this sound right?

The only emergency measure that we have had to deal with was the initial leak (which AXA said we needed to pay for the plumber which we did as we weren't going to argue on Christmas Day) and the drying company as the floors and carpets were drenched. 

We have kept photos, emails and today had a phone recording the conversations my partner has with them to ensure we had some references. 

I'll look into companies in my local area to come have a look and provide estimates - hopefully they maybe able to help us more. 

This is the document they provided us with - they said that this is their standard practice. 

 

their standard practice.pdf

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Well of course they are going to want to see what quotations you get because it is they who are going to be paying the money.

This is consistent with everything I've said above, that you to start getting your own inspections and quotations. Get a couple of ordinary builders quotations 1st to see whether you are wrong or you are right about what has happened and the cost of repairs.
If you then become confident that you are right then start getting more authoritative inspections – at least one with a written report.

Don't expect the insurer to be your friend. If you do then get yourself some personal help quickly

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Agree that it is up to @EndlessSummerto provide quotations and reports to BVS to confirm the detailed work/costs that are required to put the property back into the condition it was before the burst pipe.

 

BVS of course are expected by AXA to ensure the value of the claim is kept as low as possible. But sometimes, where water damage is hidden, the true extent of what work needs to be completed in not known.   BVS have their view on what is required and now it is critical that @EndlessSummerfully documents what work their own contractors believe is necessary.  BVS are correct that some companies see claim events as opportunity to make money from unnecessary work and if this were to happen, then BVS/AXA might not pay excessive amounts.

 

Buildings Insurance will include anything that is fitted, so including damage to kitchen. Contents includes loose fitted items like carpets. So there will be two claims at the same time. 

 

AXA/BVS are correct that the pipe that burst e.g. plumbing work would be at the policyholders expense. The cost of putting right the water damage would be down to BVS/AXA to pay. 

 

AXA have delegated the claim to BVS, but at any point if you are not happy, you can raise complaint with AXA.

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So following the information you guys provided we are still struggling. I've called several builders around my area however express that they do not provide insurance quotes for repair. 

 

I've tried 8-10 different companies but no luck at all. 

 

What else can I do? 

 

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Sorry, we should have warned you that this would happen .

 

I'm afraid that you need to get them round on the basis that you are looking for a quote for a job .

Don't mention insurance and don't mention the dispute.

 

 

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No. Strange question. Why should you be?

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They are talking completely nonsense .

There any quotes you can but you need in writing to identify the problem and the proposed remedial measures

 

Obviously your partner referred to the insurance And we have already said that you should not do this

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  • 5 months later...

 

Hey all, 

So this is a follow on from the nightmare with BVS and AXA. Here are the updates 

BVS decided to finally allocate someone to start the tear out of our property on the 20th May 2023. This was after much fighting and back and forth u TIL they finally agreed. 

On the 20th May we also had to leave our home for the work to start and move into temporary accommodation. Note, they only paid for one month of this with no update on how long it would take to complete. 

The tear out was done in parts and the house has been left to dry until the 23rd June where it will be reassessed to see the cost of repair. 

Now, here are some fun parts. 

AXA only just paid for the call out on Christmas day for the out of hours drying. It took them this long as they believed to be out of pocket for ourselves, despite telephone calls and emails confirming that the work should proceed. We had to paid for it at just shy of 5K and lost out on our wedding for this expense.

As of today we received the message that the assessor will come back but that we may need to outsource the work ourselves for it to be completed quicker. They have expressed that they can get someone to start but it would take 6-8 weeks before they will enter to start work on the property. 

We have also been told as the drying work is done, BVS no longer will be covering temporary accommodation and that after the 7TH July we will need to sort that ourselves. Speaking with AXA, they are looking into this but in under two weeks out temporary accommodation runs out and we have no back up. 

We have been to the FOS but due to AXAs meddling, they won't look at the complaint for 8 weeks as AXA expresses that the date we gave was incorrect and that the complaint was ongoing - I have a telephone recording from them telling us to go to FOS

 

What is our stand point and where do we go from here? 

My partner wants to look into legal proceedings as this has caused a lot of financial issue and emotional - during this time I was injured and broke a tooth on the floor due to its unevenness and our dog had a seizure due to the stress. 

Is there anything that we can do? 

 

Help is appreciated! 

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The Home Insurance policy schedule, should confirm how much they will cover alternative accommodation costs for.

If you go down the legal route, the FOS won't touch any complaint.  And I am not sure issuing Court claims is going to speed up the claim works.  It might be worth contacting newspaper consumer rights journalists, as I suspect this will  encourage Axa  to become much more energetic in dealing with your claim, if they look like they will get bad publicity, causing them loss of business.

Daily Mail/This is Money.co.uk have a financial page, where they will take a look at interesting consumer problems, to see if they can resolve.

[email protected]

You could get your own Independent loss assessor involved.  It may be worth finding local assessors and having a conversation about the current situation.

LOSSASSESSORS.ORG

A Loss Assessor represents policyholders when they need to submit an insurance claim, and our members have experience in dealing with all types of claim.

And speak to Axa about the date your complaint was registered on their system.

Tel no. 0300 024 1277  Monday to Friday 9am to 5pm

 

Or email  

[email protected] 

 

 

 

 

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

 

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11 minutes ago, unclebulgaria67 said:

The Home Insurance policy schedule, should confirm how much they will cover alternative accommodation costs for.

If you go down the legal route, the FOS won't touch any complaint.  And I am not sure issuing Court claims is going to speed up the claim works.  It might be worth contacting newspaper consumer rights journalists, as I suspect this will  encourage Axa  to become much more energetic in dealing with your claim, if they look like they will get bad publicity, causing them loss of business.

Daily Mail/This is Money.co.uk have a financial page, where they will take a look at interesting consumer problems, to see if they can resolve.

[email protected]

You could get your own Independent loss assessor involved.  It may be worth finding local assessors and having a conversation about the current situation.

LOSSASSESSORS.ORG

A Loss Assessor represents policyholders when they need to submit an insurance claim, and our members have experience in dealing with all types of claim.

And speak to Axa about the date your complaint was registered on their system.

Tel no. 0300 024 1277  Monday to Friday 9am to 5pm

 

Or email  

[email protected] 

 

 

 

 

Hey, thank you for your insight - I will look into speaking with columnists - we did consider it but thought it might slow the claim then speed it up. 

We have had a message after I posted this that AXA have forwarded it to their senior team so if we don't hear anything positive back then we will proceed with contacting news etc

Thanks! 

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