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Hello my name is ***** ***** I will help you with this.
Why wont you let them appoint an approved contractor?
I did not expect to have this problem. I had builders on site, converting my garage into a granny annexe for my mother-in-law, so it seemed sensible to use them and it was a company I trusted to do a good job. This was agreed upon at the start, I did not expect to be offered less than half the cost.
Ok - what you need to do is formally write and complain to the insurance company
Get a letter from the builder showing his quote and the two others.
Send it to the insurance company and ask them to investigate which they will.
If you are not happy with the response then you can complain to the Financial Ombudsman
They are free, independent and can examine your complaint. Their website is: www.financial-ombudsman.org.uk
If they do not uphold your complaint you can take the insurance company to Court.
You need to write and set out your losses and request a payment within 14 days or say you will go to Court within 14 days. You should make sure you send this signed delivery and keep a copy.
If they do not pay you then you can issue proceedings in the County Court. You can either do this online at: www.moneyclaim.gov.uk or by completing form N1 http://hmctsformfinder.justice.gov.uk/courtfinder/forms/n001-eng.pdf and take it to your local County Court.
The Court will then issue a claim which a copy will be sent to the Defendant who will have a limited time to defend it, if not you can enter Judgment and enforce.
If the matter is defended it will be set down for a trial. If the claim is for £10,000 or less it will be a small claim and you will not need representation.
Can I clarify anything for you about this today please?
Thank you, ***** ***** what I thought I should do, now I can go ahead confident that I have a strong case.
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