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Did you have problems with your cavity wall insulation installation?

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Cavity wall insulation has been a cause for concern for many over the years, especially considering how there has been a noted influx of companies taking using government grants to push the amount of installations they make – which leaves room for error. With plenty of the issues arising from a problem that happened during the insulations installation it is important to ensure that your home is safe from any damage if you believe that there were issues with your cavity wall insulation installation.

What to do if your cavity wall insulation installation had issues

You should always investigate any suspected problems before you make any official complaints with CIGA or your installer, but you should definitely call these agencies to make sure that you’re certain of the installation protocol – this way you can be sure whether you think any issues occurred. There should have been a survey prior to the installation of your insulation that should have detected any issues with your property that could alter the outcome of your insulation – if this wasn’t done properly this could be partly to blame for any damages to your home.

Physical evidence of problems with your cavity wall insulation may not appear until years after installation, so if your installation was recent you may not be able to find evidence like damp or damaged wall ties to prove there was a problem. However, some surveyors have used infrared technology to take pictures of properties at night to see the points where heat is leaving the house. This kind of check on your home is non-invasive and helps to settle your mind on whether or not there were any issues.

It is important that any checks you do on your insulation are non-invasive, as you will void your guarantee with CIGA if you damage or remove any of your insulation before reporting issues to them. This way if you do find that there are no issues with your insulations installation you will still be covered by CIGA for the 25 years that the guarantee usually covers.

Finding help for checking for possible issues

It can be hard to find the right help for checking if you’re correct in your assumption that there are issues with your cavity wall insulation installation, as you need to be certain that they won’t damage your home and will be able to confidently provide you the answers you were looking for. When you search for a team to help you, it’s important that you are clear with the service that you’re looking for, and that you make sure you find trusted and reliable help with your problems.

Speaking to one of our advisers will give you the opportunity to not only be put in contact with someone who can help you find the perfect team to check your home, but will also be able to give you advice on what you should do if you find that there was a problem with your installation. By simply filling out your details you will be putting yourself in touch with a Consumer Rights adviser who will aim to ensure that they can help you feel confident in your decision to check your cavity wall insulation and be prepared to help you whatever the outcome.

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Flight Delay Entitlement

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Having your outbound or return flight delayed can really put a dampener on your trip, as well as potentially being highly disruptive to your business plans. This is not something you need to simply accept and you may well be entitled to compensation depending on the circumstances surrounding your delayed flight such as the causes and the length of the delay. Flight delay entitlement is something which is well worth looking into if you have been the victim of a delayed flight in the past six years, and can go some way to perhaps covering the costs incurred as a result of your delay or simply making up for the inconvenience you have suffered.

 

Flight delay entitlement doesn’t exclusively apply to delayed flights. You are also well within your rights to claim for a cancelled or even overbooked flight should that match your situation, and the claims process is very much the same.

 

Flight Delay Entitlement Explained

Here we are going to discuss in more depth your flight delay entitlement. Even if you have suffered a significant delay, you may not always necessarily be entitled to be compensated in the form of money. Your airline will, however, be required to help you out in other ways such as food vouchers to account for the additional time spent in the airport, as well as arranging and paying for overnight stays in hotels should the situation require it. All of this depends on the length of extra time you will need to stay in the airport as well as the reasons for which your flight got delayed.

 

Your flight delay entitlement may also be impacted by the actual length of your delayed flight itself, but all of this will become more clear as we explain the flight delay entitlement process.

 

If your delayed flight totals anything under 2 hours you are not eligible to receive any form of compensation, however anything above this means that you may be able to claim reimbursement. For those who’s flight delay was between 2-3 hours you will not be entitled to a financial reimbursement, but you must receive food and drink from your airline, access to a phone or at least some mode of communication and even overnight accommodation if necessary. If your flight is delayed by more than 3 hours you are legally entitled to everything we have already mentioned, as well as actual financial compensation provided that the delay was caused by a fault of the airline. Circumstances such as inclement weather conditions or security issues will mean that compensation will be unlikely. The amount you are likely to gain in compensation typically varies depending on factors such as flight distance, how long your flight was delayed for and whether or not your destination falls within the European Union. You can find out more about the precise amounts which you are entitled to depending on your circumstances here.

 

If your flight delay totals more than five hours then you are faced with a number of options. You can choose whether or not you wish to still board the plane, and if you choose to do this then you could claim as much as £600 as well as all of the additional benefits we have touched on for flights with a sub-five hour delay. If you decide against taking the flight, which you are also well within your rights to do, then you are entitled to a full refund for your ticket as well as any other flights on your trip which may have been affected as a result.

If you would like more information about the flight delay claims process click here for our comprehensive guide to flight delays and how you can go about claiming what you are owed.

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Were You Mis-sold Your Home?

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Were You Mis-sold Your Home?

Moving house is a testing but exciting time in your life and it comes with its own list of challenges that can be difficult to overcome. The last thing you want to happen is for further unnecessary complications to make the process more difficult than it already is, but unfortunately this is often the case for a number of people and being the victim of a mis-sold house is becoming more and more common.

A mis-sold house might be a concept that you are unfamiliar with, but it affects more new homeowners than you might imagine. Thankfully there are specific requirements which must be adhered to when selling a house and if you are misled in any way during the process of buying a new house then you may be entitled to make a claim.

What Does A Mis-sold House Mean?

An instance which could be classed as a mis-sold house could be when you purchase a new-build leasehold home only to find out further down the line that there are clauses within your lease that you were not made comprehensively aware of. The ramifications of a lease must be made explicitly clear to the individual concerned as it can leave buyers unable to sell their home further down the line due to what they have been tied into.

It can be difficult to prove that any wrongdoing has been made by the organisation that sold you the lease and so it is important to keep a log of any misrepresentation you have been subjected to in order to be able to form a valid and winnable case.

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Was I Mis-sold An Endowment Policy?

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What Is An Endowment Policy?

An endowment policy is essentially a life insurance policy which is obligated to pay out after a set time period or upon the death of the policy holder. The time frames can vary depending on the age of the individual and the policy itself, and in some cases these policies may pay out upon diagnosis of a terminal illness.

You may be entitled to claim if at any point the terms of the policy weren’t clearly articulated to you when you took it out or if the information you received was inaccurate in any way. Your advisor is obliged to make a full assessment of your financial situation and the levels of risk involved in taking out an endowment policy of this nature, and they must also make the fees and charges involved clear to you as well.

Mis-sold Endowment Policy Claim Time Limit

It is important to note that there are often time limits to consider when attempting to lodge a claim for a mis-sold endowment policy. Typically you will receive a warning letter informing you that there is a significant risk of shortfall, and from this point you will have three years with which to officially make your complaint. You will also receive a letter six months before your end date, and any complaints submitted after this date will be dismissed as being simply too late.

The first step is to contact the company who sold you the endowment policy themselves. There are some scenarios whereby the company who mis-sold the endowment policy actually no longer exist, and if this is the case then the best option is to get in touch with the Financial Services Compensation Scheme to discuss your options in further detail.

Once you have submitted your complaint the company should respond to your query within approximately eight weeks. You may be offered compensation within this response, and if that is the case then you will be able to personally determine whether or not you feel that this is sufficient. If you are not satisfied with what is being offered then you are within your rights to complain to the FOS (Financial Ombudsman Service) in a further 6 month time frame for an independent review.

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