Wols Riverbank Tales Pt 4: Restitution & Renaissance

taxi73

That's awful about the insurance company and foreclosures.....very scary stuff .Unbelievable how many properties are affected too.
Nice to hear piggies doing okish at the moment.Well done on Amazon sale too.

Hope you managed a good sleep.

ZTD

Wol2 wrote: »

Hmmm..its been a funny couple of days and I have felt really down this morning.. I have been trying to deal with the sudden implication that
a) the insurance company can apparently pull out of covering me at any time now because of some idiotic deal the last Govt did in 2008. Apparently because I m now moved to significant flood risk, the insurance industry is no longer obliged to insure me at all under thier revised obligations
b) if/when they pull out....according to my bank maager it means the mortgage company could foreclose as no buildings insurance = no mortgage :eek::eek::eek:
c) Therefore, Should i continue to pursue the insurance company with the Ombudsman regarding the claim. Im now petrified they could decide to cease my insurance in a fit of pique

Mes parents pulled an article out of the paper talking about companies who specialise in dealing with insurance of high risk properties. Obviously it's not going to be cheap, but equally, it's not going to be of "nose-bleed" proportions either.

I'll send it to you.

Wol2 wrote: »

Wol makes mental note to pay the renewal premium first thing tomorrow morning

Yes, immediately, if not sooner.

Wol2 wrote: »

I am also starting to consider how to take this issue to national level now as it would appear that according to Environment Agency figures I was looking at this morning, at least 600,000 properties in England and Wales are at significant risk of flooding and therefore are flood blighted like me. Thats' potentiallyan awful lot of mortgage foreclosures in 2013.....:eek:

The banks will land on a feather-bed of tax-payer's money.

Wol2 wrote: »

Willows bottom is healed nicely..:beer:..but Bandits willy is still very stinky :eek:....and Ginger still has a problem with his ear.

Now putting it like that makes it sound like they're all inter-related... :eek::eek::eek::eek::eek:

Karmacat

Hi sweetie - just popping in to see how you are. Horrified at the insurance issue - I don't quite understand how that can be, that insurance can be retrospectively pulled from underneath you, but it obviously is. Shows how big business rules - Martin's subtitle for this site, Consumer Revenge, becomes more appropriate than ever.

Nargleblast

Sorry to hear about the insurance nonsense, Wol. And as for your mortgage company possibly thinking about foreclosing - if they did that then they would be left with a property on their hands that they themselves would consider totally unsaleable because of the flood risk!! So it would make sense to keep you on paying them money evey month, wouldn't it? Or do I live in a logical world uninhabited by banks, insurance companies and builders? If so I will say no more and crawl back to my alternative dimension where things make sense.

Wol2

:rotfl::rotfl::rotfl:Nargle ...I've learnt to my cOSt that logical doesn;t = legal...but I agree with you. I have a good relationship with my mortgage provider....and they have an insurance arm...and as I'm fully flood-protected it would make more financial sense for them to give me insurance from the other "arm"...but like I said.........logical doesn;t = legal and also doesn;t = common sense :rotfl::rotfl::rotfl::rotfl::rotfl:

Karma - dinna worry lass - they can;t withdraw the insurance until the next renewal ....hence why I paid my renewal premium yesterday for another year (phew!!!)..... (but you wouldnt; believe that it actually took me ALL day :eek::eek:...with copious ring-backs........yet another example of consumer fatigue/their PC/customer service probs.....sheesh!)..all I wanted to do was pay my renewal premium - you'd've thought they would have bitten my hand off


Anyhow I am all of a tizzy tonight because........

I HAVE JUST RECIEVED NOTIFICATION THAT I HAVE SOLD SOMETHNG ON EBAY :eek::eek::eek::eek:....(pinch me someone I must be dreaming :rotfl:)


OMG...:eek:...OMG...:eek:.....(do I sound like the effenimate radio presenter on that film The 5th Element with Bruce Willis?) :rotfl:


Luckily Auntie Boo is here tomorrow for the weekend :j:j:j

Hopefuly she will "sort me out" on "what to do"

:D:D:D:D.....Its'worth at least £20 NET I think :D:D:D

Rock on peeps :beer::beer: ......(says Wol jumping around to Bruce Springstein CD's all evening)

And this weekend is free listing

xxxx

ZTD

Wol2 wrote: »

OMG...:eek:...OMG...:eek:.....(do I sound like the effenimate radio presenter on that film The 5th Element with Bruce Willis?) :rotfl:

Gary Whatisface?

Though given you're a laydee, you should sound at least a little effeminate...

Wol2 wrote: »

Luckily Auntie Boo is here tomorrow for the weekend :j:j:j

Hopefuly she will "sort me out" on "what to do"

Make sure you get paid for it first...

Wol2 wrote: »

:D:D:D:D.....Its'worth at least £20 NET I think :D:D:D

Rock on peeps :beer::beer: ......(says Wol jumping around to Bruce Springstein CD's all evening)

That's more Harry Enfield than Brucie... Way back in the mists of time when he was funny. :eek:

Wol2 wrote: »

And this weekend is free listing

xxxx

That's you sorted then...

Wol2

Oooh........Second post of the evening :eek::D


Well, I am inordinately cheerful tonight dear gentlefolk and I really feel the need to share with you why this is the case (apart of course from the fact that i will be seeing Auntie Smashed tomoorrow and "Bruce" is still "hurling it out" on the CD )

Last wednesday (as I think I posted previously) i wrote the most enormous letter to my MP in response to the ABI letter he had received..........which involved a lot of research on my part and I have now (slighty tardily as of yesterday) come to realise that "bloomin ' eck!!" ....'twould appear I am not alone in my plight re the elevated flood risk/insurance/mortgage etc...and I have now garnered some serious "press-worthy" ammunition ..but cant say more atm :D:cool:

OMG...THERE'S actually 600,000 OF US..:eek:..far more signifcant than I had previously imagined..... as it equates to 3% of homeowners in England and Wales who are floodblighted (most of whom probably don;t know yet) .

i.e. I am no longer alone ...it's not "just me". I cannot describe the relief but also determinaton I now feel.......I'm no longer fighting just a "one woman battle"..and i am now determined to take this forwards garnering support from the remaning 599,999 on the way....

The absolute relief I feel to know that it's "not just me" anymore....the alienation I've felt previously ...(even victim mentality) because to other people (like family) they can;t understand why I have been "making such a fuss" of "felt so awful" over the last 3 years...

I really did feel that i was going slightly doolally because what I "ought to have done" to most "commensencal people" was "let it go". But how many people face losing all the equity in their house overnight through some "scheme"? (just deleted the qualifaction to this as can;t say anything more atm)


Incidentally, once you take surface water flooding probls into account (which Environment Agency are now having to do)..... it looks like 1/6 to 1/4 homeowners in the UK will be lcassified as at "some type" of (ie low/medium/significant) flood risk....that's even more scarey number wise :eek:

I've done enough research to be able to cut through the proverbial !!!!!!!! normally encountered....(like the latest response from the ABI) ..........and I'm NOW READY TO GO PUBLIC..:j:j..WITH ATTITUDE..:beer::beer:..SO watch this space



Ahem.....Don;t get me wrong peepies. You fantabidosi peeps here on DFW are the exception that has kept me going...:T...I give you my humble thanks..Without your much valued stalwart support here on DFW I would be in such a very very much darker place now ......so thank you so very very much :T...

Anyhow..can;t say much more atm...but please stay with me....

Onwards and upwards

xxxxx

Nargleblast

Rock on Wollikins! At least when things go public you can say to all those who doubted you - "600,000 - I told you so!"

It must be like a surrealist's version of hell - living in a house that is at risk of flooding - you can't get insurance for love nor money and you can't sell up and move on because the place is unsaleable - the only solution I think is to learn to love your home (if you don't do already) and prepare for the worst every time it rains. Teach the piggies to swim? Maybe grow some webbed feet? (Says the one who originated from the part of the UK where people are reputed to have webbed feet).

Don't mean to depress you, of course, but it sounds like you have had every challenge going flung into your face and - guess what? You're still here, fighting and kicking to the last.

Have a fandabbydozy time with the Smashed One but don't put too much falling down liquid down your neck as you will need a clear head (and liver) for the fight that's yet to come...

Wol2

A VERY good week......TWO ebay sales by monday...my first break :beer:

And then.....it just kept getting better until finally today...well OMG :eek::D:beer::money::j:T

I can;t quite believe it.......

I have finally found a "flood risk" insurer who will "guarantee transferability of the policy to a purchaser"

:j:j:j:j:j:j:beer::beer::beer::beer:

Pinch me I'm dreaming.....I have my life back. I can release my equity...I can sell my house...I had no idea what weight I was carrying until it lifted today.

After all how many times in your life do you suddenly lose £250k in November and get it back again 4 months later :j:beer::T

Am on the verge of tears......and getting very drunk tonight....without any guilt!

xxx

beanielou

Great news hun
But you dont need to get really drunk to celebtate do you?
Where is that confused smillie when you need it?