Elite 11+ shopping and chat thread

chocaholics

Good evening all, I wonder if anybody know anything about insurance claims. I have lost my darling Mums 2 diamond rings. One has a valuation but not the other. Unfortunately I only declared the one with the valuation as having a value of £1500 even though I know it was valued 30 years ago at £2000' but I thought I had lost it (the certificate) but subsequently found it after I had put in a claim. The other one has no valuation only the decription which I have given to the insurers.
They are telling me because I only declared the one valuation at £1500 that is all they will pay, even though the jewellery company in association with the insurers have put a value of £3200 on it from the photos I have of it, and of course the valuation certificate and £950 for the other.
I dont have any photos of the other. The insurers are only giving me vouchers to be used in only 2 named shops totalling £2200 net after deducting £100 excess for each ring. Now, when I have looked online at these 2 shops websites I can see that that wont even be enough to buy the lesser value ring that I have lost, their value of £950 having been put on it, and the equivalent similar ring on these websites is £2400, the other one about £4000.I feel so sad that Ive lost my darling Mums rings, but I am also really angry that I have not been awarded at least the value of 1 decent ring. The complaints department is due to ring me, but I am wondering if anyone can suggest where else I could go. It is supposed to be replacement value but that is a joke.
Sorry for long tale of woe, I know other people have real problems at the moment, but thinking about my mum makes me cry.
chocciex

scamps1966

Be quick.

http://angel.hscampaigns.com/

TrulyMadly

scamps1966 wrote: »

Evening peeps.

For those who like vodka.

Russian standard 70cl in A's is £13
In T's It's 2 for £20.
So after APG it works out at £9 per bottle.

There's load of other spirits in the 2 for £20 offer.

https://www.tesco.com/groceries/SpecialOffers/SpecialOfferDetail/Default.aspx?promoId=A32171793

Brilliant scamps:T:T

tweets

TrulyMadly wrote: »

Is AJ ok tweets? I might have missed her posting:o:)

Don't think she been posting TM but she is ok she been busy with her boys and doggies . Will tell her you been asking

Tinasmummy

bubbs wrote: »

Hello TM and TM(2)

hello Bubbs, do love the TM2.:T

TrulyMadly

chocaholics wrote: »

Good evening all, I wonder if anybody know anything about insurance claims. I have lost my darling Mums 2 diamond rings. One has a valuation but not the other. Unfortunately I only declared the one with the valuation as having a value of £1500 even though I know it was valued 30 years ago at £2000' but I thought I had lost it (the certificate) but subsequently found it after I had put in a claim. The other one has no valuation only the decription which I have given to the insurers.
They are telling me because I only declared the one valuation at £1500 that is all they will pay, even though the jewellery company in association with the insurers have put a value of £3200 on it from the photos I have of it, and of course the valuation certificate and £950 for the other.
I dont have any photos of the other. The insurers are only giving me vouchers to be used in only 2 named shops totalling £2200 net after deducting £100 excess for each ring. Now, when I have looked online at these 2 shops websites I can see that that wont even be enough to buy the lesser value ring that I have lost, their value of £950 having been put on it, and the equivalent similar ring on these websites is £2400, the other one about £4000.I feel so sad that Ive lost my darling Mums rings, but I am also really angry that I have not been awarded at least the value of 1 decent ring. The complaints department is due to ring me, but I am wondering if anyone can suggest where else I could go. It is supposed to be replacement value but that is a joke.
Sorry for long tale of woe, I know other people have real problems at the moment, but thinking about my mum makes me cry.
chocciex

Oh choccie...what a nightmare. It's a real problem for you though:o

It doesn't sound as if you can reason with them:o. You must feel cheated:mad:
Is there an ombudsman covering insurance companies or some way of appealing to a body that oversees the industry I wonder.

bubbs

TrulyMadly wrote: »

They are all different prices bubbs.

If it's the £1.65, for example included in the 2 for £2.50 offer and compared to T at 2 for £2, then they would cost you 50p.each

I'll get it right eventually

Or I might not

See i dont have a clue how to find thm, i just try them:rotfl::rotfl::rotfl:

TrulyMadly

chocaholics wrote: »

Good evening all, I wonder if anybody know anything about insurance claims. I have lost my darling Mums 2 diamond rings. One has a valuation but not the other. Unfortunately I only declared the one with the valuation as having a value of £1500 even though I know it was valued 30 years ago at £2000' but I thought I had lost it (the certificate) but subsequently found it after I had put in a claim. The other one has no valuation only the decription which I have given to the insurers.
They are telling me because I only declared the one valuation at £1500 that is all they will pay, even though the jewellery company in association with the insurers have put a value of £3200 on it from the photos I have of it, and of course the valuation certificate and £950 for the other.
I dont have any photos of the other. The insurers are only giving me vouchers to be used in only 2 named shops totalling £2200 net after deducting £100 excess for each ring. Now, when I have looked online at these 2 shops websites I can see that that wont even be enough to buy the lesser value ring that I have lost, their value of £950 having been put on it, and the equivalent similar ring on these websites is £2400, the other one about £4000.I feel so sad that Ive lost my darling Mums rings, but I am also really angry that I have not been awarded at least the value of 1 decent ring. The complaints department is due to ring me, but I am wondering if anyone can suggest where else I could go. It is supposed to be replacement value but that is a joke.
Sorry for long tale of woe, I know other people have real problems at the moment, but thinking about my mum makes me cry.
chocciex

I wonder if the Financial Ombudsman can help?

http://www.financial-ombudsman.org.uk/

chocaholics

TrulyMadly wrote: »

Oh choccie...what a nightmare. It's a real problem for you though:o

It doesn't sound as if you can reason with them:o. You must feel cheated:mad:
Is there an ombudsman covering insurance companies or some way of appealing to a body that oversees the industry I wonder.

Thanks TM I was wondering about that as well. I know they are only getting the complaints dept. to ring me to shut me up basically, but will wait and see what they say.
x

Oh cheers, I will try that link. Perhaps I should try it before the complaints dept rings me so I may be better armed.
x
Sometimes when I read back my posts I realise they need a bit of work, spelling etc. I should read them before posting, not after.

TrulyMadly

chocaholics wrote: »

Thanks TM, i was wondering about that as well. I know they are only getting the complaints dept. to ring me to shut me up basically, but will wait and see what they say.
x

In view of the fact that you might be taking further, it would obviously make sense not to accept their offer