Harassed by neighbour

Phil4432

Tippytoes said:

MrsStepford said:

When we had neighbours from Hell 2002-2016, police told us that only complaints to council are included in searches.during a sale. If you have legal expenses insurance on your household insurance, that can be really helpful. Our neighnours were bullies and three families in the street moved out. 
 

I don't wish to sound like a doom monger but I wouldn't rely one jot on insurance legal cover.  They are very good at giving initial general advice - no better than you can get for yourself from websites such as Citizens Advice.  But just try getting them to act for you.  They ask you for this and that, all paperwork, diary entries, anything and everything to support your claim.  You give it, because you've been so good at collating evidence, for so long.  They review, then tell you that as they don't think you have a more than 51% chance of winning your case, your claim is declined.  Then, of course, even if they do think you have a cast iron case, if there's not enough money for them to make out of it, they'll reject you anyway.  

Paying a premium for legal cover is, in my experience, a total waste of money.

Tippytoes said:

I don't wish to sound like a doom monger but I wouldn't rely one jot on insurance legal cover.  They are very good at giving initial general advice - no better than you can get for yourself from websites such as Citizens Advice.  But just try getting them to act for you.  They ask you for this and that, all paperwork, diary entries, anything and everything to support your claim.  You give it, because you've been so good at collating evidence, for so long.  They review, then tell you that as they don't think you have a more than 51% chance of winning your case, your claim is declined.  Then, of course, even if they do think you have a cast iron case, if there's not enough money for them to make out of it, they'll reject you anyway.  

Paying a premium for legal cover is, in my experience, a total waste of money.

I'd agree with this, legal cover is a scam.  If you're going to take action legally, you'll need a real solicitor. 

Jeepers gives some good advice.  I'd add, just remember that at the heart of every bully is a coward.

Jeepers_Creepers

You are right to some degree, Tippytoes. They will look at each case and decide them on their merit - yes, it has to be a pretty clear 'winnable' situation.

When t'in laws had a covenant-breaker on their estate who parked a large caravan outside their house, they didn't have LP but still called them up for advice. They gave advice (can't remember what it was) but made it clear that, even if they'd had cover, they wouldn't pursue it, regardless of how clear-cut it would seem. Just too murky and grey a situation, it seems.

On the other hand, 15 years ago I bought a Bongo for my niece (a camper...) and found on the drive home that it had a couple of mechanical issues so was not 'A1' and 'without fault' and everything else the dealer described it as. The guy wasn't budging, so I contacted Trading Standards and also called up my LP on my house insurance. I was impressed that they were perfectly willing to take the case on. The dealer crumbled when I presented all this to him, so LP didn't have to act, but it was a great help.

NeverTooLate

Tippytoes said:

MrsStepford said:

When we had neighbours from Hell 2002-2016, police told us that only complaints to council are included in searches.during a sale. If you have legal expenses insurance on your household insurance, that can be really helpful. Our neighnours were bullies and three families in the street moved out. 
 

I don't wish to sound like a doom monger but I wouldn't rely one jot on insurance legal cover.  They are very good at giving initial general advice - no better than you can get for yourself from websites such as Citizens Advice.  But just try getting them to act for you.  They ask you for this and that, all paperwork, diary entries, anything and everything to support your claim.  You give it, because you've been so good at collating evidence, for so long.  They review, then tell you that as they don't think you have a more than 51% chance of winning your case, your claim is declined.  Then, of course, even if they do think you have a cast iron case, if there's not enough money for them to make out of it, they'll reject you anyway.  

Paying a premium for legal cover is, in my experience, a total waste of money.

I disagree. My father used his insurance legal cover to pursue a medical negligence case and he won, the laywers were top notch.

Of course, they are not going to agree to take the case on if they don't think they can win.