£2500 + VAT
From the brief facts you havegiven me, I agree with you.
What form did the instructionfrom the insurance company take?
Are they disputing that they instructed you to do the work?
I sent a mandate form signed by their client, together with a quotation and then received instruction to proceed, I think by e-mail. We then uncovered further problems on site so I contacted the insurance company and was told verbally to do the additional work. There is no dispute that they instructed the work. I sent two invoices, one for the original agreed price and one for the additional work.
That doesn't completely answerthe question.
Did they tell you to do thework and give you the whole instruction or did they simply agree that it couldgo ahead?
They accepted the quotation and told me to go ahead. They also asked the approximate cost for the additional work before telling me it was okay to proceed with this also.
Okay thank you.
The financial ombudsman willnot deal with commercial matters. So, you are faced with small claims court.
Assuming that from the emailsyou have got, it is obvious, and would be to a judge, that the insurancecompany was instructing you that I wouldn't mess about any more, I would simplyissue small claims court proceedings which you can do quite easily online at www.moneyclaim.gov.uk
You have to give both parties,the insurer and the house owner, noticed that unless you get the money withinsay, 10 days, you will issue legal proceedings without further notice
I would issue them against theinsurance company as first defendant and the house owner as second defendant.The judge will decide who is liable.
Can I help further?
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Thank you. Should I issue proceedings against the underwriters (RSA) or just the insurers (Saga)