Continuation
Aug. 6th, 2009 02:30 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
kingandyApropos of http://kingandy.livejournal.com/540478.html:
We have spoken to Sanderson James; apparently the way the insurance process works is:
- Sanderson James ask the Insurers to set up the policy;
- the Insurers send details to the Tenant;
- the Tenant then informs Sanderson James of any areas in which the property does not meet the details of the policy, and SJ then make the appropriate improvements.
So, as far as SJ are concerned, the fault is ours for not asking them to upgrade the locks.
As it happens, we never received the policy details by post. Indeed, for the first five months of our tenancy we could not get at our post, since nobody could find a key to it. When we did get in to the post, however, no communication regarding the insurance could be found.
SJ are of the opinion that it was our responsibility to expect said communication, and contact them when it did not materialise.
I should probably mention that, having acquired a copy of the documentation from SJ this afternoon, it does turn out to contain all the statutory details mentioned by others. So it's looking increasingly as though we have nobody to point the finger at. Except possibly the Royal Mail for not delivering our documents, or Sanderson James for not letting us know to expect said documentation. I suspect, however, that they could successfully argue that we should have taken more of an interest in our own affairs.
Still. I maintain that when your estate agent offers to insure your contents, your contents will then be insured. There's an implied level of responsibility, which they do not seem willing to take.
We will be communicating with Ant's family lawyer as soon as is reasonably practicable but my general sense is that we are going to fall through the cracks of mishandling and incompetence.
We have spoken to Sanderson James; apparently the way the insurance process works is:
- Sanderson James ask the Insurers to set up the policy;
- the Insurers send details to the Tenant;
- the Tenant then informs Sanderson James of any areas in which the property does not meet the details of the policy, and SJ then make the appropriate improvements.
So, as far as SJ are concerned, the fault is ours for not asking them to upgrade the locks.
As it happens, we never received the policy details by post. Indeed, for the first five months of our tenancy we could not get at our post, since nobody could find a key to it. When we did get in to the post, however, no communication regarding the insurance could be found.
SJ are of the opinion that it was our responsibility to expect said communication, and contact them when it did not materialise.
I should probably mention that, having acquired a copy of the documentation from SJ this afternoon, it does turn out to contain all the statutory details mentioned by others. So it's looking increasingly as though we have nobody to point the finger at. Except possibly the Royal Mail for not delivering our documents, or Sanderson James for not letting us know to expect said documentation. I suspect, however, that they could successfully argue that we should have taken more of an interest in our own affairs.
Still. I maintain that when your estate agent offers to insure your contents, your contents will then be insured. There's an implied level of responsibility, which they do not seem willing to take.
We will be communicating with Ant's family lawyer as soon as is reasonably practicable but my general sense is that we are going to fall through the cracks of mishandling and incompetence.
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no subject
Date: 2009-08-06 03:10 pm (UTC)Basically, if they failed to complete the insurance it is thier fault not yours if they claimed they were intending to at any point in the proceedings or failed to notify you of anything required by you.
no subject
Date: 2009-08-06 05:31 pm (UTC)I foresee that they'll try to grind you into submission, unless you can give them a forcible legal kick in the crotch.
I really hope you get this sorted out soon.
no subject
Date: 2009-08-06 08:53 pm (UTC)Seriously, letting agents are crooked fuckers, just file a claim in small claims against them and watch them cough up cash to stay out of the papers.
no subject
Date: 2009-08-07 01:46 am (UTC)Legal disclaimer: I may be joking.
no subject
Date: 2009-08-07 07:34 am (UTC)Alternatively, take copies of the insurance details they have sent you, use them as toilet paper and post them to their offices with a note thanking them for selling you overpriced toilet paper. Do this once a week until they relent.
no subject
Date: 2009-08-12 02:39 pm (UTC)Ooh, they are. Hm......