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How they screwed me for £40k (so far!)
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- เผยแพร่เมื่อ 12 ก.ค. 2024
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Done. Nice deal and working already!
We need to know who we are.. if the are scammers we need to not use them
Could you consider this subject:
Why is it not legal to audio record phone conversations in the UK, and do you think that this will be changed?
I believe that most mobile phones are setup to record both sides of the conversation, but the manufacturers do something to the phones for the UK market, to stop that being an option.
My interest for audio recording phone calls, is due to poor memory, not for legal matters. It also does not make sense when communication by other means, eg email or letter, leaves you with a copy.
If you have to announce beforehand (get agreement) that you will be audio recording, a lot of people act differently, and sometimes are cagey.
Cheers
Hello, I've worked in insurance for years - in claims, brokering policies and credit hire. I'd be happy to help you if you want to send the schedule and certificate via email. The IPID is a good place to start as well with a simple clear breakdown of your terms and conditions.
@@everest9707 It's perfectly legal: th-cam.com/video/tFiEQqlJwtw/w-d-xo.html
You are a lawyer having access to the law and in your title you are being "screwed".You can just imagine how many common people getting "screwed".
All created by politicians.
In the case, we ned the names of the company and the names of the tenants. If the tenants aren't named, they will do the same to someone else.
The tenants are clearly fraudsters. They will have done it to others. They will do it to more people.
We are all getting screwed . Everything is corrupted , including the law .
He is stating a fact that even though he's a lawyer it can happen to anyone. And doesn't mean he knows the law the insurance companies can even screw them over
Good comment
Lawyers screw the public all the time welcome to the lower class world
Twelve years ago we had a fire in an industrial building and had a claim of £200k Our broker was supposed to represent us against the insurers and their loss adjusters but didn't make our case adequatedly and we had to accept a £154k settlement which left us considerably out of pocket. It was only afterwards we discovered that the broker was a subsidiary of the insurance company so would obviously be favouring the insurers. Bunch of crooks!
Did they disclose it? Maybe you need a lawyer!
I'm just about to retire after 40 years Broking. Reason for the shortfall? Why didn't you sue?
Yeap !
Isn't this he broker was a subsidiary of the insurance company so would obviously be favouring the insurers. Bunch of crooks!, called a conflict of interests that may not be allowed
Sue them immediately
As a member of the public, this shows we don’t stand a chance against any business anymore.
We don’t stand a chance with politics either. If we managed to vote in a party the ‘establishment’ didn’t want, they’d concoct a disaster - probably a financial one - which would lead to them being ousted. In short, we’re f####d!
Many years ago, a burglar broke into my home. There wasn't much to steal so they took a baseball bat to the TV screen and cracked it (TV was too heavy for them to steal). TSB home insurance said screens being cracked by a baseball bat were "natural wear and tear" so weren't covered. Yes they seriously tried this, essentially claiming that ALL TVs eventually get hit by baseball bats!. Sued them and won not only the cost of the TV, but additional punitive damages. TSB were also fined for fraudulently specifying non-coverage of an item covered by the policy (the fine was WAY WAY WAY more than the TV money I got - so it cost them a lot more to try to scam than to just fairly pay out)
@@michealrossiter148 hats off to you for fighting back. They are so used to people just rolling over and accept it.
If you're the type to roll over, then you'll get rolled on. My family own property in Birmingham, and when things like this have happened reasonable force is used to remove them. Nobody bothers trying because they know my uncles don't follow the letter of the law. Protect your castles.
@@JayJay-ki4miit depends on tenants !
If they are reasonable .
In this situation they were not !
As BB is legal occupation he has to use the law going outside it will affect his career etc .
I insured my 3 horses for a decade and had never made a claim One horse had an injury and it cost nearly £1000 in vets bills. I contacted the NFU and was told that my horses were too old to pay out on. They had continued to take premiums years after my horses were 'too old' and knew how old they were. They refused to pay out or even refund the premiums that they had taken in bad faith. Insurance is a racket. My car insurance has gone up over 65% since last year. I've ever had a claim and have full no claims. they are trying to raise the money from petrol and diesel motorists for EV conflagrations. Sick of it now.
Sue them. They’ve identified their own bs
That's horrible hope your horse are ok....❤
@@shawn7336 I did speak to a solicitor and as the policy small print said that cover ceased once the horses got to a certain age, It wouldn't have been an easy case to fight. I had effectively agreed to a policy where I pay money but receive nothing but it's still a contract. There is such a thing as unfair contract but the more obscure the case, the more it costs to fight and the lower the chance of a win. I took the view not to throw good money after bad. Also fighting a big insurance company with deep pockets, equity of arms is very much in doubt in my opinion.
@@shawn7336 I did speak to a solicitor but as the policy small print said that cover ceased once the horses got to a certain age, It wouldn't have been an easy case to conduct. I had effectively agreed to a policy where I pay money but receive nothing, but it's still a contract. There is such a thing as unfair contract but the more obscure the case, the more it costs to conduct and the lower the chance of a win. I took the view not to throw good money after bad. Also going up against a big insurance company with deep pockets, equity of arms is very much in doubt in my opinion.
@@shawn7336 Almost impossible - these ******s have armies of lawyers on retainer.
if BBB is getting screwed by insurance imagine what normal people go through that dont know the law n stuff, shocking
Which is what insurance companies rely on, baffling the mugs, sorrry Insurees with Legalese.
Not only insurance companies, but many play the liability game, even knowing they are wrong. They rely on the fact that many do not want to take their case to court, only backing down, if they have to, at the last minute.
The policy schedule clearly sets out the cover. There's really no excuse for not checking it's not what you want.
@@Benzkneesread the t's and C's BBB
@@simonnitro9574 - Which T&Cs are you referring to?
You won't believe the state of the property.
Landlords: Yes we will.
You know what I’m talking about!
And have you seen the state of places rented out!
Trouble is that there are unscrupulous people on both sides.
Fundamentally everyone should be able to live in a safe home and there should be fairness and respect on both sides, without unreasonable restrictions on one's ability to live one's life.
I gave up all my rentals properties, the headaches just weren’t worth it.
@@BlackBeltBarrister Same happened to us.
@@BlackBeltBarrister Have they poured concrete down the toilets? Stripped the place of all copper wire and plumbing? No? You got off lightly.
It's amazing how quickly they can find documents when it's in their favour yet try to loose them when it's in your favour.
A lawyer complaining about being screwed is peak Irony 😂
It’s an oxymoron! They’re very good at mincing words!
I have little faith in any insurance company now. They cannot be trusted and will always look to find a way to screw you over, even if it means lying through their teeth.
Ooof! Probably picked the WORSE person to try and screw over! Give em hell Daniel! 😂
These people are probably not aware that Daniel is a barrister! Oops!!
I hope you will be billing the insurance company your highest professional fees to pay for the extra time and resources you have had to use to resolve this issue. A simple claim would be expected to use a reasonable amount of your time, but giving you a lot of extra work and anxiety should cost them money not you. Good luck, thank you for informing us about how to contest similar treatment. Ofcourse you will be aware of solicitors work for insurance companies whose whole job it is to find legal reasons in the small print to reject claims, a family member did that type of job, I'm pleased she no longer does that job. Insurance is not sold for the benefit of the policy holder it's for the benefit of the shareholders unless it's a mutual of course.
@@lynne2774
you can't charge them for your own time.
“The path of the righteous man is beset on all sides by the
Inequities of the selfish and the tyranny of evil men
Blessed is he who, in the name of charity and good will
shepherds the weak through the valley of darkness
for he is truly his brother's keeper and the finder of lost children
And I will strike down upon thee with great vengeance and furious
Anger those who attempt to poison and destroy my brothers
And you will know
My name is the Lord when I lay my vengeance upon thee” 🤔
@@Mike-tb5gj But is he any good, I mean he wouldn't be in this situation if he knew his salt would he...?
British law protects criminals first, workers last.
Precisely! A topsy turvy system which is why Shariah Law needs to be imposed!
@shabanatasleem3532 yeah right. Like all the countries that have it already are nice and safe places. This is the uk and if you don't like it then go away to some shit hole that has that stupid law you mentioned.
This happened to me years ago with a married couple. They destroyed a property, smashed walls, smashed electrical sockets, broke the cooker, fridge and hoover and left with 12mths rent outstanding. Which is why I sold all my property in UK and invested overseas.
Great idea
Foreign legal systems will be great fun to navigate 😂
@Liberty_Freedom_Brotherhood Nice that you have such a positive outlook... I have a small farm 56 acres backing onto the sea, complete with its own beach. Currently its a mini resort, farm, shops and a restaurant.... but I'm sure I would be far happier owning a two bedroom apartment in London!
@@mikadavies660 Nice 😊
@@mikadavies660 could report to police for criminal damage
The insurance company deserves to be named now. They are being disingenuous and making you fight for them to honour their contract. You shouldn’t have to do this. This company is not acting in good faith.
They're all like this, just a scam
@@jacob1029
> They're all like this, just a scam
Some years ago a friend of mine had some other friends over, who had with them their 3-year old daughter. My friend had hi-fi speakers with the grilles removed, and at some point when no-one was watching her properly the little girl poked holes in the cones with a pencil.
When he tried to claim on his contents insurance, the insurance company declared it malicious damage done by someone lawfully on the premises, and wouldn't pay.
@janeteholmes........Totally agree! This insurance company should be 'named and shamed' - the very fact that they are not dealing with BBB's claim speedily and smoothly is disgraceful.
At this stage, namely the insurance company could constitute as defamation or libelous if the allegations turn out to be false (not likely but it is possible). Far better to wait until a resolution has been reached and then name them since all the facts will be known
Sorry, but I think it's impossible to make a judgement on the facts presented so far. The video is about access to data.
This is why you never auto renew and always take the cheapest quote. All insurance companies are the same. All will screw you over.
Yep.
Legalised theft.
Insurance feels more like a formality.
Then a helping hand!
Always check your excess as well, as most salespeople to get a low quote will hike up the excess as high as 500 quid, to get the sale, then by the time the person realises, they cancel, the salesperson won't lose the sale.
you may want to watch again, thats exactly what hes done so your advise is soooooo wrong!!
@@-Lucky-Six- Yeah exactly, if he'd auto-renewed he wouldn't be having this issue! He cancelled his policy with buildings cover and took a new cheaper policy (with legal cover) that didn't include buildings. Playing devils advocate, you could argue that if he'd read the policy schedule on the new insurance he would see it didn't include buildings. His argument is that the rep who sold him the new insurance is responsible
A friend had his house trashed by tenants while he was abroad on a contract for three years. The tenants? Two middle-aged teachers. Unbelievable.
Appears the more loyal to companies you are the worse you get treated .
@@ggnat that is indeed the case. Insurance companies love customers who don't shop around! Same with savings accounts! You need to shop around for the best rates.👍
British property law is a joke
British law is a joke as a whole
A lot of British law is a joke
It's pretty good for tenants - if you're foolish enough to rent out your property.
No such thing as British law, only English or Scottish law
@@mb-3faze well this is not what the TV programs show when people buy properties to rent out. I have worked on a lot of properties that have been wrecked by Tennant's, and the landlord is out of pocket to the tune of £1000's
I once had a dispute with a leading Mobile phone company. I called them and was billed 23 minutes for that call. Later there was a dispute over detail in that call, subsequently I requested the transcript. The tape recording lasted 21 mins and had been redacted. When I contacted them back to claim either the tape (21 minutes) or my phone bill (23 minutes) was inconsistent and one must be wrong, so I had been overcharged or the tape tampered. They immediately compensated me for their "error".
The fact that you were billed for a call to the mobile phone service provider themselves is wild! Was it because you rang them from a landline?
@@CaptainShonko the length of the call was recorded on my itemised bill.
So they edited the audio recording to remove the incriminating parts?
The age-old business model of insurance companies is to take your money, and not give it back.
Sounds awfully like the MA fia.
Insurance : - You pay money for a promise that they will break, wriggle out of, or plain and simple deny ever existed.
I owned an engineering business. We were burgled and 150k of property stolen. The insurance company refused to pay out because they claimed a door that had been bricked up and plastered over for 100 years, hadn't been declared. We ran out of money fighting them and had to close making 4 people redundant... after paying premiums of over 900 quid a month.
Complained to the ICO.. they did nothing.
Fucks sake.
Insurance is a licence to print money for insurers, they do and charge whatever they like.
ICO is the information Commissioner, nothing to do with insurance…
Absolutely disgusted for you! 😡
@@Liberty_Freedom_Brotherhood Indeed. I presume they meant the Insurance Ombudsman. I would be surprised that the company got away with that, unless there was more to it. A properly bricked up door is no longer a door. Unless the job had not been done properly, was visible externally, and the thieves knocked through it to gain access. In that case the insurers might, and I say might, have a point. In any case, an horrific experience.
I leave my 3 bed rental empty now as it has been trashed several times and the law is the enemy of the little landlord!
Here in US the tables have allowed the “tenants” more rights than the owners. Many years ago, when my dad was moving around for military duties, my parents rented our family home - the last tenant trashed the house to more than 50,000.00 in the early 70’s. The woman was eventually evicted and institutionalized but the time and money to restore our home was extensive even with partial insurance coverage.
I myself had to evict someone in 2017 from my home and have not rented since after finding the laws now defended tenants more than owners. Very sad
Seems to be an international game. Our tenants also have more rights than us
@@kathrynrazinha4965 A strange situation, especially when there is such a need for housing these days.
@PaxAlotin Wild speculation is wild! But no lets be real here, 99% of landlords will have no issues with any of their tenants and it's only the horror stories we hear about. In my opinion we need a ground up rethink of how rental laws work in this country. Renting is no longer a phase you go through in your 20s before you buy your own home and rather a life long reality for an ever increasing number of people. We need to stop treating it like that.
@PaxAlotin Yes, we live in dread!
The days of renting out are drawing to a close. The new rules are utter madness.
Not if you’re smart.
I rent out 5 properties in London.
All bought in the mid 90s.
@@craigdean5153well yeah when you were very lucky to see enormous rises in rent during your ownership it is far easier for you to eat up any costs caused by tenants. Bet you wouldn’t find it so easy to buy 5 properties in London and rent them out for a similar % deposit that you put down for those 5 in the 90s.
@@craigdean5153 I would like you to coach me. When can we meet?
@@craigdean5153what are your thoughts on the new rules Labour are / might be introducing?
@@craigdean5153"be smart"
Buys houses 30 years ago.
Most insurance companies seem to have defaulted to the position of rejecting claims and then waiting for the customer to dispute them, which many won't have the means or will to do. I knew an assessor who was disgusted by the company he was working for because he became aware that the number one priority of his job was not really to assess the value of a claim, that was the last thing they wanted, but to find absolutely any way of the company wriggling out of paying a claim out. He obviously parted ways with that company ASAP.
In nearly 30 years of having various insurance policies I've found them all to be a bunch of con artists.
I love going to war with insurance companies. I learned from my mum, record everything, keep the receipt and recap phone calls with an email with a mistake in your favour. They will correct it. I've had so many try to deny something was agreed over the phone and then i've got an email from them that says something different. I do that with all my official phone calls. Saved my ass so many times.
I very rarely do anything over the phone nowadays.
I like the email idea.
I agree - even online while you fill in forms or have t&C's etc, you can export to pdf and keep in a folder - many online pages disappear when you need to prove something, so keeping a copy helps - not just what they offer to keep! - I don't trust any of these lying swines.!!
Eh . They will be in favour of the email and deny the call .
@@musheopeaus4125 subterfuge!
Trying to ripoff a TH-camr that happens to be a barrister is not a good idea. 😂
But, potentially hilarious watching them meltdown tryng (as usual) to wriggle out of claims.
And a 'Black Belt' one at that!
I'd love to be a fly on the wall of the insurance company when they realise who they're try to cheat. Heads will roll !!
@@KoolKman Never give a Head of Pudd time remove it's Shoes and socks and play BELT cards
Nearing the 500k subs landmark too….Oooops!
I used to do a Landlords gas safety inspection at a property for an elderly lady. She had the property refurbished to a very high standard. She had a single mother as a tenant paid by you and me. She was paid the rent from us , then she had to pay the rent to make her feel good. She sub let the house to 2 men also. She had the house for over 2 years and paid no rent. She pocketed the rent money plus the sub let money. The worst thing was the tenant wouldn't let me in to do the Gas safe certificate. Apparently if no certificate was issued and something went wrong the landlady was held responsible? Unfortunately the landlady has died out of pocket and stressed whilst suffering from cancer.
I had a similar experience with a similar person. How awful that she had to go through that whilst ill and passing away 😢
Landlord has right of entry with enough notice given
@@contactjd
I believe it's a minimum of 24 hours notice, with written notice. That may be whatsapp or email.
We dutifully paid home insurance premiums without any claims for over a decade
We were hit by a storm and an isolated gust flew through ripping much of our roof off (and the house opposite us)
It was difficult to find a roofer because they were all working flat out fixing storm damage
BUT our insurance company denied there was a storm! They said there was ‘lightning’ and ‘rain’ & a weather station miles away from us said the wind speed wasn’t ‘fast enough’!
Unfrickenbelivable! Oh & then when we went through the complaints procedure with the goal of proceeding to the Ombudsman they threatened us that if we did they would retract our insurance altogether & put in record that we’re uninsurable with Any Insurer.
In writing! When confronted over this threat, they dismissed it as an ‘error’ and an automated letter
The audacity
How can they deny there was a storm?!
@@BlackBeltBarrister They questioned the windspeed!
I’ve been in this situation, and they just check local weather from their preferred provider for the given date and time. Luckily, I live near an airport and their weather for that day shower gusts “Up to 50mph”
I've been in this exact same situation. Not with a house I was renting but friends. They ended up in 28ks worth of debt from unpaid rent and damages. There was faeces smeared over the walls, the kitchen had literally been smashed to pieces and they had made a small bonfire in the living room, seriously! The roof was black with soot. We even found evidence of them locking their children in rooms with rope tied to the door handles. There are a lot of scummy people out there.
Was it mick philpot ?
Tenants are too protected , how the law doesn't make them pay for it
Utter Rubbish spat my tea out at this statement lol 😂
@@billygnasher 40 grands worth of damage after not paying rent for months
Get the balance right rather than sweeping statements, in this case yes that’s why I sent another message supporting him however there are many many rogue landlords that should be fed to the wolves for what they do to tenants roll on section 21 change , bad tenants and bad landlords exist.
@@billygnasher landlords I know fix and provide good houses. It sounds like youve had bad experiences although please judge people as individuals not as a collective.
@billygnasher do you think balckbeltbarrister would be a bad landlord from what you have watched from him. I don't think he would be . these are the types of landlords will be affected by bad tenants and that section notice. Do you think landlords that don't play by the rules will care about that section or just get the tenants out by any means necessary?
I helped my sister sort out a similar issue. Tenants stopped paying rent, took months to get them out, and then we found the property had been used as a cannabis farm. She had also previously lived in the property, so they had used some of her mail to steal her identity and take out loans. The insurance was extremely unhelpful, but all our family pitched in to help her sort the house out. I'm an electrician so sorted out the bypassed meters and crazy wiring they had put in. The house was never re-let and she sold it rather than risk this hassle again.
Insurance companies and banks are like someone who will loan you an umbrella. Until it starts to rain, then want it back....
That sounds like an Insurance company to me, the fact you are legally forced to have one for some things is just robbery forced by Law, quite clearly MPs got mates in the Insurance market.
Breaking news: Barrister finds out that insurance companies are crooks! As if we didn't know it... :) The same happens when you make a complaint against your council and they investigate it themselves and conclude that they did nothing wrong. Or even if they agree if a person did something wrong they won't disclose which kind of punishment they would apply.
The irony is that the laws that are pushed by corrupt politicians is the exact laws this guy gets paid to enforce.
The ouroborus eventually eats itself.
"First they came for the binmen, I did not stand up, then they came for the construction workers, i did not stand up. Then they came for me and nobody else was left to stand up with me"
Society bereft.
Promotion 😂
@@SAS-vx1jk Unfortunately you're not joking
You forgot to include the cops looking into their own failures.
Another example of being fully insured unless you make a claim!
It’s what insurance companies do. We buy their products in good faith and yet they force one to haggle if making a claim…name and shame ….
I had a nightmare with Direct Line over a L&T policy. Total waste of time and money, and their captive lawyers DAS are totally awful. Complaints escalated to the respective regulators and Ombudsman
The 'Ombudsman' is another scam....they are there to placate the public into thinking 'something will be done' when they have little no powers, and generally side with large companies etc in any case.
I've not had any insurance since 2008, when there was water damage and I think it was Abbey did everything to get out of it and when they finally yielded they came around and said you have to pick on of these types of carpet, the cheapest, most shabby looking carpet ever. Similar thing happened around that time with 'gas boiler insurance', it broke down and they refused to pay for anything 'due to the short length of time I had been paying insurance'. A complete scam.
Your boiler breakdown should be covered for at least the first year by the manufacturers. So I don't see how you would fall into the trap of insuring a short time ? Insurance has a start date and time - so they are trying to pull a fast one.
@@1414141x it was an old boiler in the house I moved into. British Gas were falling over themselves to sell me gas combi boiler insurance and maintenance, I signed up, paid and the refused to do anything after it broke down. This would have been around 2006-07.
When the phone call starts.."this phone call will be recorded for training and monitoring purposes". Damn right it is being recorded, by me.
An insurance company trying not to pay out.... in other news water was found to be wet.
Are they using the same lawyers that the Post Office relied upon?
My granddaughter pays £1200 a month for her flat always payed on time and always left the place clean, how these tramps get them it's mind mind boggling, she has a real hard time getting one to begin with.🙄🤔
Lots of fake agents sadly now, on FB mainly, who go to prospective landlords, then rent them out using fake documents, mostly to setup cannabis farms.
A lot of landlords are money hungry parasites who would rather £100 more a month over a tenant who actually had a good credit rating and can actually afford the house based on their income. So they let the houses out to people who can't afford the rent, don't have a stable job etc and then wonder why their building gets trashed.
@christinecanning5972
> My granddaughter pays £1200 a month for her flat always payed on time
> and always left the place clean,
And if her landlord decides he can get £1500 a month from someone else he can just throw her out.
@@anonnona8099 it's a cruel world out there. 😥
@@anonnona8099 oh yes. dont forget the cost of having to move out.
Auto-transcription takes seconds, so they are liars.
There is an increasing number of cases where insurance companies are trying to ‘wriggle out’ of their obligations. Especially life a terminal insurance cover. This is a serious issue currently. Insurance companies are doing everything to not pay out. It’s almost saying insurance is now a waste of time and money.
When i came up against a corrupt insurance company i was so adamant that they would honour the "Contract". I went to local reference library & studied the law. We went to 2 solicitors who said we would not win the case. Long story short "They paid up". I did however learn the difference between going directly to an insurance company or a broker. If you have time it would help the public if you could explain the difference. We were lucky we went direct to the company to take out the policy. I did however study law for 6yrs & at the end of my studies my tutor was horrified i would not go 4 a law degree. I realised the more i learnt the more i realised how corrupt our laws are. I therefore became a renegade McKenzie friend & have never once regretted my decision. Good luck with ur insurers
You don't need to name them. It's EVERY insurance company. Does not matter, house, contents,car, motorcycle.every insurance company will try and screw out of , paying out..
Zurich have refused to pay out for damage to our machinery to the tune of approx. 2.5k stating that the damage to the road was not there just before Christmas. Big pothole.
BBB, Incredible story !!!! Thank you for sharing, all the best.
Getting screwed for £40k
Sounds like my experience with HMRC
I have never paid taxes since 2019. Now they are demanding the taxes to be paid based on my annual income. I'm self employed so they don't have access to that, and I'm paying them £5 a month nothing more
@@iLoveAppl3947 Im self employed too.... Except... Im honest about my income.
Insurance scammer company and scum bucket tenants - a nightmare combo.
Not to mention slum lords taking advantage of desperate people and Developers putting in escalating ground rent conditions. It's not all one way !!
@@davidtuer5825 a lot more slum tenants trust me. That is why so many private landlords have sold up and exited the market. Hence the rapid increase in rents due to diminished stock of available property.
@@davidtuer5825I think was remarking on this situation specifically rather than the whole ecosystem of home rental 😅
My buy to let insurer refused to support my legal case (supposedly covered by the policy) against a tenant who left the property in a terrible state. All we claimed out of the deposit was the cost of cleaning the property ready for re-let. Approximately 50% of the deposit. The tenants solicitor sister decided to challenge this and our insurer stated that we weren’t covered for this. It took 4 years to sort it out and cost us £20,000. Sheer madness. The judges felt sorry for the tenant and found against us. The law is an ass. In future I’ll forgo the deposit and put it down to experience. Finally I’m sure you already know that such costs can be claimed against tax.
'We won't pay up' said the insurance company. Sounds like par for the course!
What is the betting that the insurance company cannot locate the data required.
No bet.
Any claim with an insurance company is like drawing blood from a stone.
Withholding, redacting and censoring your own info to avoid a claim just seems outright criminal.
I hope you haven't told them about your YT channel because we need to see how they normally act without the threat of bad publicity.
Welcome to our world Mr Lawyer. Watching your progress with interest.
Something that catches many people out. If you have an oil fuelled boiler, most insurers won’t cover you for ANYTHING associated with the boiler or the pipework, which includes hot & cold water pipes and leaks, leaks from underfloor heating pipes and any fire or damage that they can attribute to the boiler.
probably coming for any carbon based system.
@@lulabellegnostic8402 In our country house have an oil fueled boiler. The scares me as insurers have never asked about the boiler.
I’d love to see the reaction when they find out they messed with a lawyer.
They have bigger lawyers.
The ICO rules required me to wait 30 days for a satisfactory response before I put a complaint in. Then I didnt receive an update from the ICO for months. They're not very efficient.
When my daughter passed away due to an unknown heart conditions at 4 weeks old, our insurance didn’t pay out the £30,000 children’s critical illness insurance add on on my policy because she died on the last day of the deferral period, not the day after.
Insurance companies employ a whole team whose sole purpose is to find any excuse to avoid paying out a claim. They give you the run around hoping you will eventually quit. If you feel you are in the right, don't give up you will eventually prevail but it might take some time.
As my commercial and consumer law lecturer at University told me: The claims department is in fact the avoidance department. Staff are trained to avoid paying out if at all possible.
Had the same thing happen to me, including turning it into a “grow house”, the police gave me a crime no and did absolutely NOTHING,
Serves you right for wanting to make money off someone who can’t afford to buy 😊
Sorry to hear about your troubles. Tenants trashing a property is not rare, I’ve known two colleagues who had a flat trashed, and the costs in todays money would have been of a similar amount One tenant was living in a flat having burnt his house down. The flat was managed by an estate agent while the owner was working abroad. He paid for the premium option and the agents had not carried out checks as re quired. He could not afford to go to court. The damage was incredible, the tenant was clearly mentally deranged.
The law is an ass.
Shock horror! An insurance company trying to get out of paying what they owe.
Insurance companies first action after a claim is filed is to search for any reason to get out of coverage.
I had a similar issue with the insurance company "Could not find any record of my call" I got a copy of my bill and proved I called them. They paid out.
So sorry to hear your bad news. Keep your heads up.
This is the reason I stopped renting out my properties.
Only rent properties to couples - & minimum combined earnings of 100k per year.
I also check their credit references & work references.
I rent out 5 properties in London & never had an issue.
Interesting we have 3 holiday lets properties you can't live in, and know we've been charged full council tax on all 3, are you having to pay the tax on yours ?
@@garyfoster I sold up. I can't be bothered with the hassle
A friend of mine rented a house out to a very lovely couple. That payed there rent on time every month then they move on. When he when't to see he his property he got a shock that had two young kids and the soiled nappy were stuck to the ceilings of most off the rooms. He did the property back up and sold it vowing never to rent out a property again.
My friend had a claim refused because he didn't get his chimney swept in the last year, the claim was for a burst water pipe and on the other side of the house from the chimney.
Show them this video and say, “You know who I am, I’ll see you in court!”
Let’s see how fast they backpedal at that point!!!!!!
And do disclose, post resolution, who the wriggling insurance company is so we can all avoid them!
It's world wide - we just began the process to sue - we got less but no court costs when they coughed up
I think I will believe the state of your property... I had a similar experience 2-3 years ago.
£11k owed in rent arrears. House trashed. Needed new kitchen, new flooring throughout, all walls painting, new en-suite.
I took them to court myself having issued Section 8 & Section 21 notices, which I won.
They left the place with the front door open and some homeless person had set up there but he had gone by the time I visit.
Fortunately, a good friend of mine & his family needed a house in that area, so we did a great deal where they offered to renovate the place for a low rent.
My shared wall in the loft was damaged when the dilapidated building next door collapsed,my insurance would not pay anything so I cancelled it and have not had any for 10 years.
Fuck them.
Sounds like a a nightmare. If anyone is in a position to sort it though, you are.
Absolutely scandalous! - I can't wait for the follow up.
Unless you’re able to own several properties, buy to let just doesn’t seem worth it. My husband and I scrimped and scraped to get a deposit together for a property to let out. I have chronic health issues, so this was my insurance/pension. The property was in Durham and we were not, so we were paying an agency to rent it out and get quotes for maintenance. We ended up being tenantless for a suspiciously long time and started receiving letters from the council. Unfortunately my condition had flared up and I’d had spinal surgery. We asked another agents to visit and the damage was horrific. They’d taken all the copper piping and so left bottles and bags of excrement and damaged the property top to bottom. Due to me being so ill we didn’t have the energy to sue the agency etc, but had to get into debt to get the house returned to a lettable state. Not all landlords are well off.
I took out household insurance years back, I did it over the phone, answered all their questions honestly, when it came to making a claim, they asked me lots of questions again, one of them being “does anyone in the household have a criminal record” I answered yes my son, they told me they couldn’t pay out because I didn’t disclose that when I took the policy out, I argued that I wasn’t asked so how could I tell them that if I didn’t know it was a question, and why would I say no at the time, just to say yes now, I asked them to go back to their recorded call, and indeed I was not asked the question, and they paid me out!
Renting.....always a massive headache
The amount of damage you have to accept as wear and tear, to get your bond back is beyond ridiculous. I could't be bothered with the stress.
I should have said their bond, which is held independantly.
We had the same but for £30K. We had a fire and they tried everything to wriggle out of it. We were lucky that we had bought the insurance through a Broker who was so helpful and threatened to withdraw all his business from the insurance company if they did not cover us. They blamed us for the fire - the Fire Brigade confirmed that it was not done deliberately and was a faulty electrical appliance. They wanted us to claim against the maker of the product! We got there in the end but it was a traumatic incident and completely broke the small amount of faith I had in insurance companies.
I was told back in eighty one the insurance companies main policy is not to pay out , nothing has happened since to disprove that fact .
Landlords have all the laws against them.
We lost £8000 by tenant not paying rent.
Landlords are not people, for the most part just parasites.
That’s the risk you take by trying to profit of renters
@Liberty_Freedom_Brotherhood it's providing a service.
When I came to UK aged 7. My dad rented.
He would make sure he paid his bills first then food shopping.
We (7) didn't get toys .
But we paid our rent.
I bought the house we rented when I got married and lived there with my children (3).Only when we couldn't sell it to move on. I rented it.
My reply to Ash Bohgan's comment, something akin to yours, is completely gone. But you're right disadvantage income is a crime against man.
Insurance companies lie. Take them to the cleaners.
I wish that were possible. They will outspend your legal fees. Just like what the Post Office did with Sub-postmasters.
My parents inherited a tiny terrace from my grandma and rented it out AFTER spending some £12K modernising it (long ago). The tenants paid rent for a bit then simply stopped. It was 6 months before they left and they had torn up even the carpets and so on. They simply moved to another rented house in the town.
The horrible twist: the tenants were TEACHERS, not just the usual scumbags who pull this stunt.
My parents could not face such crap again and were forced to sell it.
This is the Monty Python insurance sketch: "You unfortunately plumped for our Never Pay policy, which if you never claim is very worthwhile.".
Dealing with a home insurance claim killed my father, I firmly believe. If you think you already hate them enough, you don't. They can always get worse.
Ah, the portable goalpost policy.
Hope it gets sorted out asap. Thank you for informing us Daniel. 🇬🇧👍🏻
The law in Britain is broken. It's simply not fair or fit for purpose. It needs a complete overhaul. As someone mentioned before, if it doesn't work for a clued up person like yourself what chance do the rest of us have?
Pave the way for Islamic Law, Allah willing…
@@shabanatasleem3532 about that.🇮🇱👍
NEVER agree to phone call transcripts. Insurance companies ALL edit them heavily to remove anything that proves liability. You are legally under GDPR entitled to an actual recording of the call in its entirety. From the waiting in the queue upto the moment you hang up. Refusing even once to supply such a recording (there are no legal excuses at all, not even "staff was a newbie" etc) It is an automatic GDPR fail, and the company will be subject to an automatic fine if you complain. When you make your Subject Access Request, specify you want ALL records related to yourself, AND recordings of any and all calls.
To redact something they might of aswell put up a big red sign saying we f@#$ed up!!
Welcome to what the rest is normal people have live with everyday living in the UK. RIP of Britain. You have not lobby and paid of the right Tory MP
If you are late making a payment to them they will be quick to remind you, if you need them to pay you, they will do everything they can to delay or avoid the payment. Insurance companies are only slightly less dishonest than politicians (of any party)
If they didn't remind you and you ended up uninsured, though?
2.5 years after a wall was downed in a storm and still arguing with the insurance. The initial company costs were over £100k (I'm not joking!) and the insurance company threw thier toys out the pram, employed a new series of loss adjusters whose only aim seems to be trying to find ways not to pay. They just recently upheld our complaint against them and gave us a nominal sum "without prejudice" but are falling back on the "still deciding if it's a valid claim", which we've been verbally assured by two different groups of loss adjusters that they had already agree to fund the claim. It's been one excuse after another and sometimes contradictory information. The request for all account information was interesting though and I think I will pursue that! It's frankly appalling.
default position of any insurance company is to deny every claim
I had loads of problems with my insurance company, we got hit extreme storms and had rain coming in the house through the ceiling and the water came up to the back door. When I contacted them they sent their inspectors out and checked everything, then turned round and said its my problem, I'm on a pension so hoe the hell do I pay for that when I pay the insurance company for this sort of thing that might happen.🤨
what happened. did you get legal advice?
@@Jiayne1335 Legal advice is often a joke, citizens advice overwhelmed with people with financial issues. Solicitors, parasites in suits.
Insurance companies love taking your money but do everything in their power to wriggle out of paying out to you 😡
Insurance company trying to not pay out on a claim! I don't believe it 🤣🤣