Hi all As any body had the misfortune of dealing with Crawford Loss Adjusters? This is my story so far. 1, on the 8th of February, the water tank in the loft burst causing extensive damage to bathrooms and 2 bedrooms. 2, We contacted our insurance Nationwide and home emergency call out which resulted in tap being capped and so we had no water in the house. Further the plumber believed that the ceilings had asbestos. 3, Our insurance company appointed Crawfords to handle the claim, a surveyor visited the property and access the damage caused. 4, On the 12th February, we were contact by ICAB telling us alternative accommodation has been arranged at a hotel for us all until buildings works are completed. We were happy that at last we will water to use and not have to buy gallons of bottled water. 5, My autistic son objected to the changes and found it difficult to cope then he took a shine to one of the waitress at the hotel and the he began to relax, my eldest daughter was in the middle of A level revisions and we had no internet access at the hotel. It would cost £14 per day, this made revision difficult and my 9 year old daughter just thought it was brilliant staying in the hotel! 6, A team of specialist came and remove the asbestos ceiling from all the rooms affected, the house now looks like a derelict building. Then nothing no more work was being done on the property. 7, There was not much contact between ourselves and Crawfords however ICAB was in regular contact with us. Crawford wanted end the accommodation even though there was no water in the house and ICAB even took it upon themselves to argue with Crawfords about extending our accommodation because the there was no running water. 8, By the 5th April I was getting concern that no works is being done on the house, I asked the man of the house to chase up and get things moving, but he found it difficult to deal with staff member who were being unhelpful. 9, I contacted Nationwide, they put me through to Crawfords but they not helpful eventually I was told to contact Home Emergency as they are dealing with the plumbing side of things. Home Emergency demanded payment of £325 for the plumber to come and fix the tank and I promptly made the payment. 10, The plumber attended the property on the 8th April, for some reason he was not happy to do the job, he spent over 2 hours on his mobile phone pacing angrily up and down the front of the house. He eventually came inside the house to start installing the tank. 11, It was getting late and so I took the kids back to the hotel around 8.30 pm living my husband in the house with the plumber. 12, I chased the builders and advised them that the tank had been fitted so they can come and do the building work. The builders confirmed they will start work on the 18th April. The plumber left the house in such a bad state and also managed to damage my carpets! 13, On the 11th April, ICAB informed me that Crawford are not willing to extend our stay in the hotel and are insisting we move back home. I explained the conditions to ICAB and they tried so hard to get Crawford to use their common sense but to no avail. 14, I contacted Crawford myself and basically told me they couldn’t careless what the condition of the house was, they have made a decision not to extent the accommodation and that was that. 15, I was shocked by their attitude, I just couldn’t believe it. I contacted Nationwide and explained the situation to them and also emailed photos of the state of the house. Nationwide agreed that the living condition was unacceptable and immediately extended our accommodation stay to the 15th April. 16, Then on the 15th April the Crawford ended the accommodation, and this time they was so rude and abrupt with me. They treated us like beggars and second class citizens. Their attitude was so unprofessional, and I have never experience such behaviour in my whole life before. 17, I told Crawford the house is still in the same state it was the previous week and it is about to get worse with the builders starting work soon, common sense dictates that if the house was not habitable the previous week and nothing has been since therefore it is still not habitable. Crawford then started telling lies that our accommodation ended on the 11th and it was not extended beyond that. I referred them to ICAB and Nationwide but they persisted and believing their lies. 18, I contacted the Nationwide to explain the situation, unfortunately the claim handler I spoke with was absolutely hopeless and became very arrogant and rude after speaking with Crawford. In fact she said her colleague was wrong by extending our accommodation the previous week. She went further to say that it was costing too much to put us in an alternative accommodation therefore we should go back home and live in the house as it is irrespective of our health and safety. She then went on to say that I have a four bedroom house and I should therefore sleep in the other bedroom. I tried to explain the dynamics of our family to her and the reasons why it would be possible to share bed with a 15 year olds autistic boy, 17year old studying for her A levels, everybody needs their own beds and privacy, it fell on deaf ears. I then asked that since we do not have bathroom to use what are suppose to do when nature calls, her reply was that we do need to use the toilet whilst works are being out! I was in such a shock that I didn’t know whether to laugh or cry. She further told me that should I need to use the toilet when the builders are working, I should go and ask the builder to use the toilet and the builders will let me know when I can use the toilet. I think at this point I ended the conversation as I had already spent the whole day on telephone with them. I felt bullied, demean, degraded and at times felt I was being discriminated against. Surely no other customer is treated this way! 19, I put in a complaint straight away, which I was told would take so many weeks to be investigated, I had no choice but to sleep on an old sofa in the living and my autistic son also slept in another sofa downstairs. The discomfort was unbearable and was unable to sleep through the night. I received a letter from UK insurance in respect to the complaint with a cheque for £200 for the inconvenience. I thought what an insult, I contacted the complaint handler and insisted that he listen to the phone calls between myself and the claims handler. 20, On the 17th the builders started work and the house was a building site! Even the builders were shock to find us in the house and not an alternative accommodation. Eventually the builders and decorators finished by the 3rd May. The amount of dust and rubble was unbelievable. I spoke with the Nationwide and demanded a professional cleaning of the house. Rainbow international were sent to survey the cleaning on the 10th May. Rainbow international came on the 5th June to start cleaning the house and completed on 11th June. We then were able to move into the bedrooms and also to use the bathrooms. By now I have back ache from sleeping in the old uncomfortable sofa. 21, I was still haunted and in shock by the way I and my family had been treated and I was informed by a neighbour to contact the FOS. I am still suffering from back pain and treating it with heat patches 22, I received a call from UK Insurance complaint handler (let’s call her Vera) and she apologise for what had gone on. Vera informed me that Crawford will be sending me a cheque for £2160 for the disturbance caused. Vera also told me the way the staff member spoke to me was unacceptable and feedback has been provided to prevent re occurrence. 23, I received a Cheque form UK Insurance for £2160 for disturbance, this cheque did not come from Crawford. 24, I called Vera and emailed her in respect my back pain, as I expect to be compensated for the pain I am suffering as a result of sleeping in the sofa for so long. Vera contacted me later and advise that since it was a personal injury I will therefore need to seek legal advice. 25, It is clear that the refusal to give us alternative accommodation was a dirty tactic used by Crawford and in doing so, have avoided paying the cost of accommodation which would have come to between £17000 - £25000! 26, I have written to Vera stating clearly that it is unfair and unjust for the Crawford/Insurance company should profit out of the unfair treatment we had received. Given that it would have cost them up to £25000 for the accommodation which we were rightly entitled to, therefore I seeking fair compensation from them and the £2160 isn’t fair amount. Thank you all for reading this very long saga. I do wonder how many other families are going through this kind of treatment. Any advice would be greatly appreciated

Hi all, I am new here, but have been looking in for a few weeks now after doing a general Google search. Well, where do I begin with this. I logged at the end of 2009 for some water damage in the kitchen. Crawfords were appointed and attended, also validated the claim on site. Despite the validation, the adjuster asked me to get a quote for the works, which I tried. It wasn't possible for me to get a quote due to no shows or the presence of artex (possible asbestos) in the affected area. I referred it back to Crawfords to appoint their own trades. They completely forgot about my claim for two months there onwards, until I chased them to find out what was going on. In this much time (now around 9 months since logging the claim) still nothing had been done. We were due to move out due to new work commitments, but due to the damage and ongoing claim we were unable to sell or let our house, so we had to continue paying the mortgage on it (empty and unable to do anything with it). In August, we finally had some movement, although this soon ended with more excuses and lack of action. When chased again, it transpired the file was left on a desk at Crawfords for somebody to look at. Call after call led to a complaint to Crawfords where they recognized poor service, and offered compensation for that. Fair enough, maybe we will get somewhere now. Weeks went by, still nothing. Again I was doing the chasing - I spoke to Aviva complaint team every time and must have called them no less than 8 times, but kept being told all they could do was ask Crawfords as they were only at the same level as Crawfords complaint handlers. Now, maybe it is just a misunderstanding on ALL of these calls, but I was under the impression Aviva APPOINTED Crawfords - so should in effect have some control over them and their actions? Anyway, I raised the complaint with Aviva - also to seek to recover my costs in maintaining a property I can't do anything with because of the AGREED mismanagement of the claim by Crawfords. After six weeks of waiting, and being passed between three/four complaints managers, I received a response today which almost sounded as if it was answering a completely different complaint. I am simply fed up, even Avivas own complaints department doesn't keep its promises which it made by email on agreed contact days. How on earth can you expect people to remain reaasonable faced with this 'service'? On many occasions I offered to send them documents to support, but everything has been struck out with no review of documents or even a request for them, despite that they exist and I offer them upfront. Its my consideration at the moment that I should perhaps appoint my own adjuster and launch a complaint with the FOS against Aviva/Crawfords. At a time where the directorship of Aviva is focusing on TNPS and how their customers rate them its a complete sham of a service without ANYBODY willing to take a handle or responsibility to make things right, even AFTER promises they would be put right after past failings. I have requested the details or Aviva's institutional shareholders so I can write to them detailing the actions of the company they invest in, also to write to the Chairman of Aviva and the Executive Board. These issues clearly need escalating to a higher level, as thats where the business direction comes from - yet it seems nobody is listening. Its seems to be vast number of empty soundbites. Alot can be said for how a company can deal with things when they go wrong, and everyone gets things wrong from time to time - but don't be fooled by Aviva/Crawfords. I have escalated this to Aviva for one last time before I open up communications at higher levels, and may seek to issue court proceedings to pursue my documented losses due to the mismanagement. I hope they come through and at least ackonowledge the complaint at hand, but right now I wouldn't trust them to flick a light switch let alone provide 'Prosperity and Peace of Mind'.

Hi everyone, I'm here for a bit of a rant and maybe some advice. I submitted a cliam to AVIVA on 29/11/09 as my cellar is leaking. After having Yorskshire Water come look at the problem they advised that it is my responsibility to repair as it is my soil stack. This means I have sewerage seeping into my cellar. After submitting my claim it was referred to Crawfords who I had been advised would call be back within 2 hours due to the nature of my claim. I continually had to chase Crawfords and 3 days later managed to arrange an appointment for the assessor to come visit and take pictures and submit a report this happened on the 9/12/09 as was the earliest they could get to me. The report was submitted with a date for someone to be appointed to come and make the necessary repairs. The date was the 16/12/09. I am still waiting for the repairs to be carried out. After further chasing Crawfords and holding for 50minutes at a time I eventually called AVIVA's CEO office and made a complaint. I received a call back later that day saying UK Drains have been appointed to my claim and will be in touch shortly. I used the online AVIVA complaint form as I feel this is totally unacceptable. I received an automated acknowledgement but nothing further. AVIVA seem to think that by chasing up my claim that is a satisfactory response. I want an actual written response to my complaint. I received a call on 23/12/09 to say somone could come out on 24/12/09 unfortunately I had to work on the 24th so they could not come out. I then received a call from Crawfords on the 24th apologising for the numerous errors they had made with my claim and saying they would compensate me once they had made the repairs which are now booked in for tomorrow 30/12/09. I am hoping all goes well and they repairs are carried out tomorrow rather than someone else just assessing the problem but I do not have high hopes. During the time the sewerage level in my cellar has slowly risen and I know have around 8inch of sewerage in places. My house smells and has given me numerous headaches, I've had the stress of constantly chasing Crawfords. I've been unable to use my toilet! I've had to store Christmas presents in plain sight as I would normally store these in the cellar. I had to spend most of christmas out of the house due to the stench. After requesting a written response from AVIVA on several occasions I have still recevied nothing. I plan to refer my complaint to the ombudsman but am unsure how to do this without receiving a final response from AVIVA. Also who should be responsible for compensation? AVIVA? Crawfords? I can't put a price on how much stress and discomfort I have had to put up with due to thier incometance. I am a single dad who cherishes time with my son but have been unable to have my family Christmas at home due to this. Any help would be greatly appreciated. Regards Scott

Having purchased house insurance from Barclays, it has been my extreme misfortune to discover that their claims process is 'handled' (on Barclays behalf) by the other 3 companies above. By handled I mean that they pass policy holders through an ever increasing series of call centre type operations throughout the UK. Each stage of the route is managed by personnel who in the main are unable to comply with simple requests (eg: a)can you send an e-mail to confirm the date and expected time that your surveyor will arrive, or b) can I discuss your proposed work spec with a technical person, or c) can you advise what your process actually is) Again If you pose a slightly more complex question, such as when will I be able to schedule the workmen to start on my house which is deteriorating daily due to Avivas avoidance techniques, you will find that their call centre phones click and you are left listening to piped music or transfered to yet another person who continues to play their 'stonewalling' game. Does anyone have similar experience or could offer advice? Thank you in anticipation

Having purchased house insurance from Barclays, it has been my extreme misfortune to discover that their claims process is 'handled' (on Barclays behalf) by the other 3 companies above. By handled I mean that they pass policy holders through an ever increasing series of call centre type operations throughout the UK. Each stage of the route is managed by personnel who in the main are unable to comply with simple requests (eg: a)can you send an e-mail to confirm the date and expected time that your surveyor will arrive, or b) can I discuss your proposed work spec with a technical person, or c) can you advise what your process actually is) Again If you pose a slightly more complex question, such as when will I be able to schedule the workmen to start on my house which is deteriorating daily (due to Avivas claim avoidance techniques), you will find that their call centre phones click and you are left listening to piped music or transfered to yet another person who continues to play their 'stonewalling' game. Does anyone have similar experience or could offer advice? Thank you in anticipation

No.....it would be sent normal post. Didn't they threaten in their previous letter of April to pass it over to their " Legal Dept " ? And now again another further 2 weeks which they " may " pass it over. As for Crawfords the only thing I can find is Loss adjusters in insurance threads. https://www.consumeractiongroup.co.uk/search/?q=Crawfords Andy

Hello, this is my first post on the site and I hope someone can help. I had to take my tenants to court in order for them to leave my property. They caused extensive damage to my new build property - removing boiler, radiator's all the built in goods and smashing through walls. The Police have arrested the ex-tenants due to the extent of the damage and the matter is still pending - although the Police have informed me they are not hopeful of prosecution I submitted a claim in April on my Landlords insurance building cover through Endsleigh. A few days after Endsleigh’s loss adjuster visited and carried out an assessment of the property. He stated that the damage was extensive and that the policy would only cover to the value of £25,000 and that I would have to cover the rest. Over the last couple of months I have been emailing and calling the insurance company chasing up the claim. Endsleigh say they are waiting on the loss adjuster and the loss adjuster says its the contractor company. The contractor says its the loss adjuster. I complained a couple of weeks ago and the loss adjuster contacted me and said everything was now submitted and it would be sorted shortly. He also informed me the costs were over the cover level of £25,000 (but would not tell me the amount) and I would have to cover the rest. I was relived as it was finally getting sorted. The rental of the property is a source of income for me (I am retired), having to find the costs for service charges & council tax etc is having a impact on my finances the longer it takes to sort to out and I cannot recoup these charges. Now to my surprise, today I received a message informing me that AXA will be sending out a loss adjuster from a Crawfords. I am informed Axa are the underwriters and they have said it’s because its over £25,000, although I am not insured for anything over £25000 I am now back to square one again. I do not know why they are employing another loss adjuster but this is going to delay matters further. Can I ask Endsleigh 1) To base any settlement on their original loss adjuster’s report ? I am confused as to why they are not doing this anyway as I have waited months for Endsleigh & the loss adjuster to complete their process & report's. 2) Request the original loss adjusters report as they seem reluctant to provide me with this - am I entitled to this ? 3) Can I, not agree to allow Crawford’s to go through this whole process again? as I have read complaints about their process, online . Axa say the reason Crawfords is involved is because the damage to my property is over £25,000 but yet my building cover does not exceed £25,000. I would really appreciate an advice Many thanks

Thank you Andyorch for your reply. Yes a lot of threatening going on lol! The sent one saying if I didn't contact them by such and such date they would pass to their "Legal Team". I didn't contact them then received a letter from their legal team saying if I didn't contact them by 6 May they may pass to their solicitors which I thought odd as I would have thought the legal team were solicitors. Nothing further since then. Every day when the post comes I am expecting something but so far nothing which is why I am wondering what said envelope needing signing for from Crawfords is about. I Googled them but couldn't see they were solicitors.

Well a month has passed and I have had two letters from Intrum advising that if they don't hear back from me by two weeks ago they may pass to their legal team for a CCJ application. The letter came from their legal team so not sure what they are doing. I have not contacted them and have waited each day for the PAP letter to come but so far nothing. I have had a card put through the door from DX Secure saying they have something that requires my signature. I've asked who it is from and have been told "Crawfords". I am none the wise so am wondering if anyone here is familiar with this company? Would a DCA sending out a PAP letter send it by signed for mail via a courier?

For the sake of accuracy UB, can I just correct you on a few points. The house was sold a long time ago. In fact, it has been sold TWICE since it was repossessed !!! Secondly, the mortgage company did not change his mortgage without his consent. The evidence can be found in the transcript of his last High Court case. PS: Mr West is the Barrister representing the mortgage company. Case No: 1HQ/15/0503 In the HIGH COURT of JUSTICE QUEEN’S BENCH DIVISION Strand London WC2A 2LL 3rd September 2015 B E F O R E: THE HONOURABLE MR JUSTICE PHILLIPS 193. Mr West : Fourthly, Mr Crawford says that in fact the mortgage account was up to date, there were no arrears, the endowment policy had been paid and so on, and His Honour Judge Godsmark deals with that at paragraphs 11 to 12 of his judgment at pages 46 to 47. 194. Mr Justice Phillips : Yes. 195. Mr West : He explains that: “Having ceased to make the monthly mortgage repayments, Mr and Mrs Crawford put themselves in breach of the terms of the suspension of the original order, whereupon the Bradford & Bingley sought to enforce the possession order.” 196. He continues at paragraph 23, that’s on page 50, that: “It became clear that the endowment policy taken out at the same time as the loan had been surrendered or lapsed, but either way it was no longer available.” 197. Then at paragraphs 26 to 27 he finds that: “In 1999 the Bradford & Bingley offered to move the Crawfords to a repayment mortgage, but the Crawfords in fact refused.” 198. This is important because Mr Crawford’s case is that the Bradford & Bingley changed the mortgage to a repayment without his agreement. The position has today been clarified; it is clear that the Bradford & Bingley offered to convert the mortgage to repayment and it is agreed that Mr Crawford refused this.

The behaviour of Crawfords loss adjusters is not acceptable, but they are simply the agents of Nationwide, employed to adminster the claim in line with the policy t&c's and to minimise the cost of the claim. What should have happened is there should have been an assessment of how long the repairs were going to take and what period alternative accommodation would be required. It is normally the case that you would be offered Hotel or B&B type accommodation for as long as needed to properly assess the damage, for you to sort out the plumbing issue and for the home to be made as habitable as possible. If the damage to the house was severe and needed many months of work, the Insurers would have rented another house for you. The problem is in regard to alternative accommodation as set out below, is what is considered habitable. For a home to be habitable, it would have to have running water for health and hygiene requirements (drinking, washing & toilet). It would have to have sufficient space for your family to be able to sleep. It would have to have facilities for your family to be able to eat. It would have to be safe to live in. If there were occupants with disabilities, then this should have been subject to an assessment by Crawfords on behalf of your Insurers, as they have responsibilities under a normal duty of care to work with you, to ensure their safety. Normally in these situations, the Insurers won't pay for alternative accommodation, beyond the point where these points are catered for. As soon as the house was made safe with the asbestos risk removed, the plumbing issue resolved with running water restored and there were rooms in the house that could be occupied, you would be expected to move back in. Even if this meant that you were living in one or two undamaged rooms of the house, while restoration work was being done elsewhere in the house, this is normally seen as acceptable. In my opinion you were not entitled to alternative accommodation to the value of £17k to £20k, but simply to accommodations costs where the house was not fit for habitation by your family, taking what I have said above. I would have expected this to be no more than a couple of months accommodation, if the claim and renovations had been handled properly. What needs to be addressed, is the sloppy handling of this claim by Crawfords and any risks/inconvenience that they caused as a result. You need to work with Nationwide to come to a resolution and if you are not able to, then I would suggest that you speak to a Solicitor to see what they say. I think going to the FOS may not be worth it, as they will take months (or years) and I think this will just prolong this unncessarliy. Buildings cover 4 Alternative accommodation and rent If your home is not fit to be lived in as a result of damage for which a valid claim covered under Section 1 of the policy has been made, or it is occupied by squatters, the insurer will pay: a) providing the property is yourmain residence, the necessary cost of comparable alternative accommodation for you and your pets while your home is being repaired or b) if you rent out your property, the amount of rent you would have received but have lost as a result of it being unoccupied because of the damage c) the cost of up to 2 years ground rent which you are legally responsible for. Contents Cover 6 Alternative accommodation and storageProviding you live in the property and your home is not fit to be lived in as a result of a valid claim made under part A of Section 2 the insurer will pay: a) the necessary cost of comparable accommodation for you and yourpets whilst your home is being repaired b) the necessary cost of temporarily storing your contentswhile your home is being repaired.The insurer will not pay more than 30% of the ontents sum insured in total for any alternative accommodation and storage costs.

Hi, Our house was flooded on the 21st December 2011 due to a burst pipe in the attic. We were both out at work at the time it happened so as you can imagine it ruined all of the house. We made a claim the following day with our insurance - NIG who assigned it to a loss adjuster called Crawfords. From the very start we have had issues with the way our claim has been handled. The loss adjuster didnt visit until the 19th January meaning that the house sat empty for 1 month with nothing happening. All the initial work i.e. taking up carpets, removing tiles etc was done by ourselves as they didnt have the time to deal with this. I have asked for storage for the remaining goods in the property on several occasions however this has never happened so likely other goods are now damaged. A contractor came to the house in January and went away to write his report on what work was required. This was sent to Crawfords over a month later. Crawfords are now querying this report as it quotes for extensive work in the back garden (the flood didn't damage the garden atall). In the mean time we are left again with nothing happening. We have supplied three of our own independent quotes for work and would be quite happy for one of these companies to be used instead to avoid further delays. I'm at a loss as to what action we can take to get this claim moving. I have contacted the FOS and they have made an initial complaint to NIG on my behalf however they have 8 weeks to respond. I have also complained directly to Crawfords who have apologised and offered £50.00 compensation. I have tried to advise them that im not interested in compensation I just need reassurances that this issue will be resolved. Any ideas on what to do next would be greatly appreciated!! Thanks Nina

We have had a real proplem with Crawfords, the person who came to our house, was very aggressive towards me, theatend me and my pregnant wife, saying that we were lying and alsorts, Mr X from Crawfords was so bad towards us, we made a complant against him, people beware of Mr X, he lied to us about police report, and other things

At the end of June 09 we noticed mushrooms in the basement. A builder explained our dishwasher had been leaking and caused a lot of damp. On 3 July, Barclays sent Asprea who confirmed it to be an insured peril and gave us a schedule of work, took our excess and sent their builder to give us a start date. About two weeks ago a company called Crawfords contacted us and sent their surveyor, who used my camera and email to send photos to Crawfords. Now, 7th August, Crawfords are saying it isn't an insured peril. But we have a letter of confirmation and schedule of work from Asprea saying it is. Can anybody help:|

Hi dacouc Endsleigh are the LA who commissioned the Loss adjusters. But now Axa have called to say they are the underwriters and because the claim was over £25,000 pounds they are sending a new loss adjuster called from a new company Crawfords who are a different firm from the original adjuster's by Endsleigh. The thing is the orignal loss adjuster made it clear from the onset that the costs may run over the £25000 so I am not sure why they now have to get a new company to start the process again. thanks

It's worth bearing in mind, that if any of the delays that are caused by Axa or their agents (The LA) have increased the cost of the claim to you, then this would be unfair and the increased costs such as increases in material costs or further damage has occurred due to the work not being carried out should fall at Axa's doorstep. The LOR is designed to cover your loss of rent for instance if there was a fire and your tenants moved out, your claim is no different according to the policy wording except that you knew the tenants were moving out so there would normally be a gap between the old tenants moving out and you sourcing new tenants. This would be calculated assuming the old tenants had not caused any damage and the property was ready bar your normal in between tenant processes eg cleaning etc. Is the LA Axa are sending our from Crawfords a different Loss Adjusting firm to the original company appointed?

Confusing ! I think you need to get a written complaint off to the Chief Executive of Endsleigh ASAP, asking them to intervene on your behalf, as the claims process is turning into a nightmare. I don't think there is any reason why you should not allow Crawfords to inspect, provided you get assurance that this should not delay the claim further. It may be that Axa have been aware of the claim details and they are not happy. With tenants causing criminal damage to this extent, there may be questions about the vetting process and checking on how they were treating the property. Without checking Endsleighs landlords policies, i would query the £25k limit. Are you happy this is written in the policy and you realised this when taking out the policy ? Insurers are reluctant to provide copes of loss adjuster reports, but you can send a Data Protection Subject Access Request asking for all data held for the claim, incuding all documents, in particular Loss Adjuster reports. Advise them that as you will be a data subject in such a report, they have to provide it under the Data Protection Act.

14/01/08-Claim Made 23/01/08-Assesor Arrived From Crawfords, asked questions and took photos 30/01/08-Phoned Crawfords To Ask What's Taking So Long, no return phone call 04/02/08-Phoned Crawfords Again this time stating that I shall be seeking Adivice from Consumer Advice....Phoned me back and offered £800, I accepted as I can't be bothered with the hastle and we are moving. They said I would have cheque within 7-10 days? 12/02/08-Still no cheque!! Phoned again, and said they would get in touch with More Than and call me back, No return phone call. I'm getting really hacked off with this lot!! Who is at fault here and who do I report them to? Thank You

There are going to be quite a few Crawfords with the Interest Only Mortgages still out there. As to social housing, it is generally needs based, and dependent on a property to fit their assessed need, which is why many evictees end up in B&B for long periods

From my partial reading of it, the Judge was telling Mr Crawford he had made the wrong application to the court and it should be the actual Court of Appeal who would look at the issues of repossession. Why don't Mr Crawfords supporters chip in to a fund to pay Lawyers to take this case on, if any will take it ? I suspect they would need to raise £10k minimum.

Loss Adjusters are a fact of life. Cunningham Lindsey claim , when dealing with the Insured that they are independent, a look at their website kicks that into touch. It is apparent that they advertise to represent Insurers only adn do spin things out, in my case nearly 5 years looking at a subsidence claim that was screwed up by Crawfords = the relationship between Crawfords and their preferred repairers was to say the least suspicious. This all brings into question he attitude of the Underwriters - do they wish to settle claims or not? I would recommend anyone avoid the FOS, the evidence is that if you have an issue with a small independent 'Got no money or resources' Broker the Ombudsman will probably act BUT if your issue is with a large institution the Ombudsman is worthless. If you have issues that may involve he regulator call the FSA they are much more approachable these days. Meanwhile the big question is this - Are we being ripped off by the Underwriters ?

The Freeman on the Land and Sovereign Citizens supporters genuinly thought that the case of the Crawfords would rise the awareness of FmoTL around the country. The truth of the matter, is that it has done no such thing. Instead it has proved a complete disaster. Instead of looking at the rotten advise from their 'legal team' they are instead seeking to get the Crawford's house back by using their 'Plan B'. This involves hunting down and threatening the owner of the removal team who removed the entire household contents. The next stage is that of secretly recruiting as many people as possible to 'storm' the house and retake it from the 'fraudualent bankers'. These people need to wake up quickly......

Hi Seamore I am sorry but not surprised to hear that you are having the run around from Aviva, Crawfords etc. Personally I had water coming into both my livingroom and bedroom caused by flood waters from a neighbouring property in June last year. I had to move out of my property and into accommodation which was over 40 miles away for several months. Throughout this time I tried without success to obtain a glimmer of interest from Aviva / Asprea/ Crawfords other than them sending out a surveyor and a loss adjustor. Their complete lack of urgency and interest meant that some of the structural timbers rotted and I was forced to bring in a team of timber specialists at several thousand pounds of my own money to remedy the situation. I also had to employ a roofing contractor as some of the decking was badly affected, unfortunately the roofing contractor was not very good and I had to call in a second contractor to remedy - again I had to pay out a substantial sum despite my policy covering flood water. Just as the waiting period was up with respect to the Ombudsman and my initial letter to them and the Aviva CEO. I was advised that a Aviva Manager would call and arrange to meet me at the house. We finally agreed a figure to pay for some but not all of the work and a cheque duly came out. It has been for me a totally traumatic experience, seeing my new property deteriorate and no one in Aviva in the least concerned. I understand that they may have downsized and the remaining personnel are somewhat demoralised. However I have never had such poor in fact absent service from any other organisation in the UK. I wish you all the best of luck with your roof, you may have to follow a similar excercise to mine, take photos, get estimates and try to get the leak fixed quickly. Let me know how it goes

I would hope that Crawfords have asked these questions already.... Has Crawfords sent you a repudiation letter?

You can ring Aviva and insist on using their Building Arm who are called Asprea We found them to be very good and far superior to Cunningham Lindsey and Crawfords Loss Adjusters The main problem with Crawfords and especially Cunningham and Lindsey is that they have used a smaller group of larger Building Companies for many years who offer a poor quality service due to poor admin and heavy workload Nobody joins the or leaves their tender lists or approved list of Contractors Many Loss Adjusters have addmitted to us off the record they try and avoid using their own Contactors as the complaints ratio is so high and often fetch this up at meetings But their Bosses take no notice and the same band of Builders are employed year in year out and no new Contractors no matter how impeccable their references may be, are given any opertunity to join this closed shop This is right from the people in the know