We were burgled - claiming

stardoman

stardoman wrote: »

Firstly, sorry for not coming back to this thread to thank you for your replies. I forgot that I had posted the message.

To Clive - there was no need to prepare answers, as I there were reasons why the cards and my jewellery were left at home :-) The cards we had been using for the 0%. We did not spend on them, just used the balance transfer feature. And sadly, after my third baby was born 3 years ago I could not get the rings to fit anymore. No point taking rings on holiday that didn't fit.

All the credit card money and charges have been refunded.

As for the jewellery, I have been told a value verbally that she will give me if I accept vouchers. She is not prepared to confirm this figure in writing. She has put in writing a cash settlement figure. This figure is 25% below the voucher amount. I recorded the phone call.

Not sure where to take this really. The figure she has offered is £800 less than the value I was expecting. Which in turn is £800 less that the voucher figure. I do not want vouchers which would be for the Goldsmith chain. My wedding ring was made to order and matched my husband's ring - I can't buy this in Goldsmiths. Also, my grandad's fob watch can't be bought in Goldsmith's either.

She has made it sound as though there is no room for maneouvre other than to receive some in cash and some in vouchers. Not sure where to take this.

Mandy.

Its been a year since I started this thread, and I finally reached settlement with the insurance company 2 weeks ago. As I stated above, the cash amount they were offering me was some £800 less that the figure I thought the items were worth. It has taken some hard negotiation, but I did manage to get the amount I was after.

I don't know if this helped, but the loss adjuster would not put any figures in writing, even when I specifically asked. So I recorded the phone calls and then wrote to her including all the figures discussed. This was to get everything on record.

Eventually, I wrote to her suggesting that I would accept a particular amount and stating my reasons for not being prepared to accept the cash value offered. My initial offer was to meet her half way and I calculated this to the penny.

Eventually, we had a phone conversation where she upped her cash value to a figure close to the amount I originally wanted. I told her that it was very, very close and that I had wanted X. She then said she would give me X if I would confirm then and there that I would accept. I did, and I now have a cheque for the amount agreed.

To anyone else going through this, they may make it sound as though there is no room maneover, but this is not necessarily the case.

Mandy.