Cunningham Lindsay ***WON***

[sandran]

RE Cunningham & Lindsay

 

Well done you I hope I have the same out come we have been fighting them for the last 27 months due to a gas explosion at my house I have just found this forum and all that I have read is the same as what we are going through don;t get back to me on phone calls and emails they have been to my house twice they say things to me and my structural engineer but when they go back to there office ( they never said it ) my windows are burst and my french doors but they say that they can be re sealed ( NO THEY CANT ) my roof lifted and the nails heads are through the plaster walls cracked inside and out they sent a XPERT to look at my kitchen he took a photo yet he managed to get a quote (how ) I no how he got the quote, he never measured the kitchen the same with the windows he is a property maintenance co that works for C / L, other builders that have been to my house said the guy must be a cousin to them as he does not no what he is talking about and he seem to put down on his quote just what C/L had put down ?we also have subsidence at my garage which was made worse with the explosion it has been going on for 7/8 years and still they seem to say to fill the cracks this is not an option as it is really bad every body that has been to look at it say that it is beyond repair, again they say it will cost £ 1500 to fix they have not had anybody to look at it I have had quotes to pull it down and re build it or underpin and repair it and it is thousands so where do C / L get there prices from not in touch with the real world I think. reading what other people have said on this forum it is the same as what we are going through I gave up my business due to the stress and my hair fell out they don;t give a dam what you are going through I am on antidepressants due to this I have gone to the Ombudsman and what I can make out is that they are lying to him as well so we are now going to a solicitor and there is a reporter wanting to take this story on I am a very private person and don't like the press but I feel I have no option now so watch this space

[caro]

Sorry to hear this sandran. When I had a major claim we also had problems with our loss adjustors, although it wasn't CL. We found that our actual insurance company were pretty good at intervening, but on the whole it was a very stressful time.

 

Are you in a position to appoint your own loss adjustor who would be acting for you. Although it would cost you, it may be worthwhile in the long run.

[sandran]

Sorry to hear this sandran. When I had a major claim we also had problems with our loss adjustors, although it wasn't CL. We found that our actual insurance company were pretty good at intervening, but on the whole it was a very stressful time.

 

Are you in a position to appoint your own loss adjustor who would be acting for you. Although it would cost you, it may be worthwhile in the long run.

 

 

Hi,

I did think about that but don't no who to trust as I said even the Ombudsman I don't trust, things he has said to me does not ring true when I said that C/L had said to me about things at my house and when i told him what they said he said they denied saying that then he said why would C/L lie ? I have spoken to Alex Salmon the PM he has spoken to Saga but they say they can't get involved because of the Ombudsman so time to ditch him I think the whole thing is corrupt. I have had two structural engineers at my expense and a company that does pinning plus builders and Slater's and more quotes than I care to remember and still they don't believe any of them the insurance is not worth the paper it is written on I have told everybody about Aviva and not to go near them and to check all the company's that they have under there name we have spoken to a solicitor and he wants to take it on he said that this has gone on to long.My friend's in London has spoken to somebody she knows in I think it's the telegraph news paper so time to take off the gloves this can't go on it has made me ill even thought to end it all seeing the doctor tomorrow again just the feeling of hopelessness and it never coming to a end

[Allkare]

We used to be a main building repair contractor working forall the major Insurance Companies and Loss adjusters but had to make a decisionthat we could no longer work for them as the repair rates have been reduced somuch. The reality is that we could not provide a decent service any longer dueto the low rates. We also became increasingly frustrated as almost 95% of ourcalls to the loss adjusters for all companies were never returned creatingmajor delays in any repair work

 

We now work direct for the policy holder and this issomething we have found that Insurance Companies/Loss adjustors never say isthat as a policy holder YOU are in control of your claim and YOU can actuallychoose who you want to work in your property. -- [edited] --

Edited May 23, 2012 by Conniff
Remove commercial website

[sandran]

Still no further ahead I now have been advised to go to a loss assessor not a loss adjuster rather than the solicitor so i will see what they can do i have had building control out to my house to look at the garage with the subsidence they tell me the best to do is to have it demolished as it is beyond repair and to rake out the cracks C / L solution will not fix the problem it will only get worse don't no what C/ L are talking about, usless for a better word this is now 28 1/2 months and still not fixed. Spoken to a company in Blackpool that takes on this complaints like this so will see what they can do if not I will go to the papers or TV this can't go on much longer.

[caro]

We used to be a main building repair contractor working forall the major Insurance Companies and Loss adjusters but had to make a decisionthat we could no longer work for them as the repair rates have been reduced somuch. The reality is that we could not provide a decent service any longer dueto the low rates. We also became increasingly frustrated as almost 95% of ourcalls to the loss adjusters for all companies were never returned creatingmajor delays in any repair work

 

We now work direct for the policy holder and this issomething we have found that Insurance Companies/Loss adjustors never say isthat as a policy holder YOU are in control of your claim and YOU can actuallychoose who you want to work in your property. -- [edited] --

 

When we had a mega claim we eventually had to get our own builders in as the insurers sent a bunch of cowboys who we refused to let back in after one day. What they did had to be seen to be believed. The second lot they sent in gave a price but didn't specify what they'd include so we weren't happy that we'd get everything done that was needed. In desperation we got in a builder that our insurers agreed to pay for, but because they were paying us and we paid the builder they couldn't pay the VAT, so we had to sort that. It's not an ideal situation.

[classaction7]

Hi

 

Im new to all this my unfortunate experience with CL. It has been 18 months since insured event but CL next to useless at progressing the claim. A repeat of requesting the same documents and refusal to accept proof of who lives in the property. Request us to breach data protection Act and dont accept proofs of Electrol Register but I noticed on another threat they used that as a reason to not pay out claim. After we rejected the low phone Offer to settle (for around half the value of the claim) they appointed new claim handler who put the claim into reverse gear and had no record of the Offer and began a fishing exercise to frustrate the claim.

 

We are currently being led round in circles with no end in sight of the investigation/fishing process. They use the line still awaiting a response from policyholder again and again after a response is given to frustrate the process deliberately. So in essence CL keeps asking questions and we respond and therefore FSA and llloyds will never investigate our complaints.

 

Any help you can suggest would be gratefully received.

[classaction7]

Hi

 

Im new to all this my unfortunate experience with CL:mad2:. It has been 18 months since insured event but CL next to useless at progressing the claim. A repeat of requesting the same documents and refusal to accept proof of who lives in the property. We have many examples of lies and deception with recorded delivery proofs. They Requested us to breach data protection Act. Also dont accept proofs of Electrol Register from us but I noticed on another threat they used that as a reason to not pay out claim. After we rejected the low phone Offer to settle (for around half the value of the claim) they appointed new claim handler who put the claim into reverse gear and had no record of the Offer and began a fishing exercise to frustrate the claim. CL refute all allegations and refuse to answer any of my questions put to them but to respond with new lines of inquiry. I sent the Underwriter around 100+ pages of examples of CL customer feedback and why they choose to but us in harms way of such a Loss Adjuster still no response from the Underwriter.

 

I have never put a foot wrong in life or claimed and I feel for those who experience ill health due to CL. We are currently being led round in circles with no end in sight of the investigation/fishing process. They use the line still awaiting a response from policyholder again and again after a response is given to frustrate the process deliberately. So in essence CL keeps asking questions and we respond and therefore FSA and llloyds will never investigate our complaints.

 

Also the Insurance broker has no "empty property Insurance" and therefore washed their hands of us with that house. We are now uninsured for that house as other insurances refuse to insure without some proof of estimated costs of claim and if there is a claim. I can not take my other policies away from the Broker (without major financial penalty) as they set us up with CL/Underwriter policy until the claim is resolved.

 

Any one interested in sharing experiences and/or joint legal action against CL?

Edited August 1, 2012 by classaction7

[sandran]

Hi, we to have had more than our fair share of C/L they are just unbelievable they won't answer your questions but they will ask you plenty to confuse you, they just hope that you will go away.

Don't give up keep going get your own surveyor don't have anything to do with there surveyor or experts that they send as they work for them they are in there pockets as I have found out when they sent out a EXPERT to look at my kitchen and windows he was not what they said he was he is a property maintnance guy NOT A EXPERT all the work he does ( employs guys to do the work ) is for the insurance companys what he said in his report was nearly word for word what C/L had said over two year previous about my kitchen

 

he took a photo of my kitchen did NOT measure but sent a PHOTO by email to a kitchen company and asked them to quote for the kitchen which was cost price to him which would not be the price to me and cheep apllances which my ones are not cheep so don't belive anything that C/L says I would be willing to take C/L to court as they should not be getting away with the way they treat people or get intouch with the TV program Dom Littlewood I think the more people that no about C/L the better I have been told to go to the scotish newspapers to get more coverage.

 

C/L make more money they less the insurance company pays out to the home owner, my claim has been going on since January 2010 and I won't give up for all that it has made me ill even if it kills me I won;t give up as I no that they are wrong and I am right we pay insurance to protect our homes and it is our given right to have them fixed, when we had a gas explosion in our kitchen this was not our FAULT but they way that we have been treated you would think it was so don't give up.I got in touch with a company in Blackpool to take this on but they let me down at the last minute so will have to go it alone again they built up my hopes turned out to be a waste of time again, I think they were to friendly with C/L so be very carefull who you speak to as they all no each other.S N

[caro]

Have you spoken to your insurance company about the problems. You could ask them to appoint another loss adjustor.

 

We found at times that the company we had were dragging their feet, our insurance company were pretty good at chasing them up and getting things done.

[sandran]

Have you spoken to your insurance company about the problems. You could ask them to appoint another loss adjustor.

 

We found at times that the company we had were dragging their feet, our insurance company were pretty good at chasing them up and getting things done.

 

 

Hi The company Aviva is a wast of time they did nothing about C/L at the time it is now in the hands of the Ombudsman again he can't take sides what C/L have told him is a pack of lies they no how the system works and how to get around it to suit them as I have never had to do this kind of thing I am in the dark and over my head I would not have taken this on but I did not realise the extent of the damage to my house after the explosion as the weeks went on more and more cracks were appearing though out the house as the roof had lifted with the blast I think the only way forward is to go to the papers something I did not want to do but everybody is telling me to do it and expose them for the way that they treat people this is not my fault it was an explosion in the kitchen due to a gas leak they have offered me £750 for the stress which is a joke my hair fell out I have given up my business due to the stress, I just could not cope with they way that I have been treated over this it is as if we did this on purpose which is not the case my husband could have been killed he has not been right since it happened and i have had to deal with this also ,we live in Aberdeenshire so if anybody can help me in this matter please get in touch.SN

[MARTIN3030]

CAG does not encourage nor support our members giving out personal information for safety and security reasons.

[sandran]

I think that a few of us should get together on this and take them on they just can't keep getting away with this and treating people like s--- we have the right to have our houses fixed we pay our insurance so why is it that they don't want to pay to get our houses back to the way they were before our damage it is NOT OUR FAULT so why ? they are in it to make money for themselves we pay there wages don't we ? I think that we would be better off putting the money in the fire for all the good it does when we have a claim, or put it in the bank every month and if we have damage to our property at least we would have the money to pay for it. They can't fight all of us if we go together on this, My case has been going on for nearly 3 years and I have been left to run around doing what they get paid for WHY ? they get there money handed to them for doing nothing but fobbing us off NO MORE

[sandran]

My insurance was with Saga it was London & Edinburgh my claim was with which turned out to be AVIVA the worst of the worst they appointed CUNNINGHAM & LINDSAY what more can i say just read the rest of the forums it the same story over and over again. I can't seem to find out who the underwriters are for AVIVA to complain to them about there so called insurance company 3 years on and still not fixed. If AVIVA would stop paying for advertising on the TV they could pay there clients ( US ) our money

 

On saying that I had a claim 3 months ago water escape through Saga and they could not have been better it was seen to within 3 days and it is being fixed next week not a problem different ins company not AVIVA. I do think the C / L are to blame for all this they should be struck off useless for a better word the more they save the ins co the more money they get, think I should work for them or may be not could not lie through my teeth like them. I hope they can sleep at night as I can't for all the stress they have put me through.

[sandran]

[ can you Pm me as I would like to talk to you as my claim has been going on for nearly 3 years I need help to try to bring this to an end QUOTE=m2lou;3703415]Many thanks for your reply. One has to be in this kind of situation to try and understand how stressful dealing with Cunningham Lindsay is. We have been fighting our case for nearly 2 years but only instructed a solicitor in October 2011. After spending £4,000 and getting nowhere due to Cunningham Lindsay's inaction we are expecting to have to issue proceedings next week. It is not going to be cheap, an estimated £15,000 which we have had to pay in advance, but for us now it is not about winning or losing it is more about taking on these bully-boys at their own game. All the emails and letters that we have sent which Cunningham Lindsay have denied ever receiving, thankfully were sent recorded delivery and we also have delivery notification for our emails. I hope we get a decent enough judge that will put them in their place. Even though we would prefer to keep our affairs private, we have been contacted by a freelance reporter who is very interested in our dilema, even to the extent of bringing into the equation a production company if this goes all the way to the High Court, so watch this space!

[HELENMULRY]

I wish I hadnt come accross all these posts! My husband and I are experiencing the exact same nightmare situation from Cunningham Linsey, Rainbow and Gearys (their appointed contractors) right now.

We're 6 months into the claim and its getting worse rather than better and we're currently living without main facilities in our property.

I cant go into detail as we're currently taking legal advise, but my god , it makes you wonder why we bother paying insurance in the first place. We've been so stressed and i see no end to it soon.

[Conniff]

Your contract is with the insurance company and not CL. Drop them a recorded or registered letter giving them 28 days to do whatever it is they have insured you for and say that after that time you will employ a contractor and forward the bill to them.

[HELENMULRY]

A friend whos a solicitor has also advised us to do this. Thank you for your advise.

[caro]

When we were in a similar situation to you we found that ringing the insurance company often got us good results quite quickly.

 

We ended up agreeing a settlement with them, but that meant that they wouldn't pay the VAT as the payment came to us rather than our contractor. The settlement was quite generous and turned out to be enough to cover all our costs.

[sandran]

I wish I hadn't come across all these posts! My husband and I are experiencing the exact same nightmare situation from Cunningham Lindsey, Rainbow and Geary's (their appointed contractors) right now.

We're 6 months into the claim and its getting worse rather than better and we're currently living without main facilities in our property.

I cant go into detail as we're currently taking legal advise, but my god , it makes you wonder why we bother paying insurance in the first place. We've been so stressed and i see no end to it soon. [/quote

 

Hi,C/L are the worst of the worst I have had two structural engineers also wrote to Aviva recorded delivery about they way we have been treated they just don't care my house is freezing it was -22 the first winter no heating and nothing to cook on as we ran out of oil for the AGA as it was on 24/7and heating, our french doors and windows in the living room are burst water coming in the door and freezing up on the inside of the doors and windows as seals broken there was a shortage of oil all over the country and when we could get oil they could not get in my road for the snow so for 6 weeks we had nothing to cook on as it was the gas hob that blew up the house we had to go and buy oil radiators which were on 24/7 the electric bill went through the roof as does the heat as the roof lifted when we had the explosion every room in the house has been damaged and we are still in the same state 3 years on we have now hired a surveyor to deal with this as the stress this has caused has been terrible and has made me ill with the worry of it all and even he is having trouble getting them to answer his emails it has been suggested by the Ombudsman that the insurance have a full structural survey done of the whole house which my surveyor said should have been done form the onset not 3 years later.so watch this space

[SHAFTED BY AVIVA]

I am responding to the complaints against Cunningham Lindsey Loss Adjusters. They were appointed by our building insurers AVIVA INSURANCE and since first communicating with them at the start of 2008 they have proved themselves to be utterly incompetent, unprofessional, deceitful, time wasting, dirty lying tricksters who take great pleasure in delaying you, deceiving you and ultimately building up a file of inaccurate untruths and lies, in order to allow their client, in our case AVIVA INSURANCE, to repeatedly decline our claim!

 

Please see 'SHAFTED BY AVIVA INSURANCE!' film attached below!

 

As a matter of interest and by pure coincidence, AVIVA INSURANCE & their loss adjusters Cunningham Lindsey also tried to 'SHAFT' my poor old mum, when she suffered a water leak at her flat from beneath her kitchen units a couple of years ago. AVIVA appointed a small 'survey' company who I met on site at my mothers beautiful two bedroomed flat in Yorkshire. This company trtied to suggest that the visible damp patch on the floor undeneath the kitchen units was the only damage, and we just needed to use industrial heater to dry this area out...what utter rubbish!

 

My brothers and I took ownership and organised a professional survey by a specialist company who were experts in building damp and water damage. By pure coincidence they were just completing a 12 month full renovation of a ground floor flat, within the same block, which had also suffered extensive water damage from a leaking pipe, located in a first floor flat above. This property had to be taken back to its original basic foundations due to the damage...and they confirmed that the same would need to happen in my mums flat, as they believed the water from the leak had travelled to all areas of her property. Cunningham Lindsey's young male claims account representative, who I nevet met personally but dealt with over the phone, confirmed that he knew the water from the leak would not have travelled as far as into the hallway...LOL...I responded in the strongest terms...explaining my previous industrial diamond drilling experience and the fact that his statement proved THREE things...1. He was young and inexperienced 2. He did not know what he was talking about 3. If he was old enough to be experienced and had enough common sense to know better, he would not have made such a ridiculous statement...I laughed and explained...NO ONE KNOWS WHERE THE WATER HAS TRAVELLED TO UNTIL ALL THE FLOORING IS REMOVED, [stripping out works], AND THE CONCRETE BASE FLOOR AND WALLS CAN BE EXPERTLY EXAMINED!

 

It took months of arguing with Cunningham Lindsey before they accepted that the specialist expert company we had used to examine my mums flat were correct in their findings and gave the go ahead for 'stripping out' works to start!

 

Cunningham Lindsey [Leeds Office] accepted the full claim and a senior female manager accepted our serious complaints about the lack of proactive professionalism and duty of care towards an old lady's home. They accepted that mistakes had been made including the fact that if AVIVA INSURANCE had acted and responded promptly and professionally at the very start by instructing a specialist firm of water damage experts, instead of the amateur survey company originally instructed, then the water would not have been allowed to travel to ALL areas of the flat, my mother would not have stayed in alternative accommodation for so long and the total cost of the claim would have been far less...including the fact that Cunningham Lindsey's job is to save their client, in this case AVIVA INSURANCE, money...NOT COST THEM MONEY!

 

This is a copy of the final email I sent to Cunningham Lindsey in Leeds....'due to the severe damage to my mothers flat [305 Phoenix House, Hull] from leaking pipework and the fact that she could not use the kitchen etc, including the permanent stench permiating throughout her home, she sought alternative accommodation and moved out of her flat in February 2010. The outrageously poor service we experienced and the factually inaccurate advice we received from Asprea [who were initially instructed to deal with my mothers claim by Aviva] and the prolonged, argumentative and factually inaccurate stance of Cunningham Lindsey meant that my mothers claim was delayed for 9 months before The Cook Group started work. This delay added to the destruction of my mothers property, [as the water/moisture was allowed to travel to all parts of her flat], including adding to her time in alternative accommodation, as she awaited the repair/refurbishment work to start. If her claim had been dealt with professionally and proactively from the start, then her property would not have been so severely damaged and she would have spent less time in alternative accommodation.'

 

 

'SHAFTED BY AVIVA INSURANCE!'

youtu.be/KWn8G9L21z8

 

'SHAFTED BY AVIVA INSURANCE!' [You Tube]

 

One man fights to protect his family and his home against AVIVA INSURANCE!

 

After 5 long years of fighting AVIVA INSURANCE and with Christmas 2012 almost upon us, our home remains in a ruined state, my family continue to suffer and AVIVA INSURANCE continue to callously ignore our long term water damage building insurance claim, repeatedly proven by numerous independent expert reports!

 

Please watch the film and spread the word!

[JustRanOutOfBullshi*]

CLUK are the largest Loss Adjusting firm on Earth. They live to make money and that's it; they don't care about you or your family or your property or your problems or your lives. Why would they? This is business as usual, people. And guess what? Your insurance company doesn't care either. Nor your bank, nor the FOS, ABI, FSA and any other bullshi* acronym Financial Services company you can name. This is how the system works and you've known that for a long time. You pay them money, they award bonuses to themselves and their pals for doing such a great job, or maybe for running such a great con, and then you get told there's a huge debt to pay and it's all your fault. You caused this and you keep letting it happen.

But I understand I need to be constructive in my comments here. So, if I can offer you one piece of advice it's this; big business will crush this world as long as we let it continue to behave in this way. If all of us in the UK wrote one letter to 10 Downing Street in 2013, our Prime Minister would receive over 56 million letters. What if all of them said, "I'm a human being and I deserve better than this"?

I imagine he'd ask us what it is we want.

And maybe we could ask for something better than this.

Until then, I'll be at CLUK. Have a nice claim.

[Jansjones]

This is my first time on such a site so please do forgive me for any mistakes. I have read with horror the threads re Cunningham & Lindsay. My next door neighbour had a leak which resulted in his kitchen ceiling ending up on the floor. CL loss adjusters have written to me stating that my property is the reason my next door neighbour has had a leak and they wish me to pay for the repairs!!! The loss adjuster has not entered my property to assess the possibility they have not entered my property or asked to do so, but apparently they have an investigation report. By the way we have no water damage in our home nor have we any pipes that boarder our neighbours property. Has any one come across this.???? Just to reiterate our property has had no problems re water our ceilinggs and floors are as they have always been. Hope someone can advise. We a looking to consult a solicitor. ,!!!!

[caro]

I'd suggest that you contact your own insurers to deal with it, assuming you're insured.

[Jansjones]

I'd suggest that you contact your own insurers to deal with it, assuming you're insured.

 

Thank you we will try this first and yes we do have Insurance. It's the cheek of the company. And the hassle we will be put to for something that is nothing to do with us. Many thanks for your reply.

Edited June 1, 2013 by citizenB