The Cash Settlement
After three sets of builders failed to repair our home, we've decided that the only option is to negotiate a cash settlement. But, it's not as simple as that. We've noticed that, recently, the NFU have have said a lot about 'your' request for a cash settlement. I thought this a little odd. Then, the Group Chief Executive, in his response to our second complaint, used this phrase in his response. He used it as a direct excuse for them agreeing to sack the builders. All very strange I thought! The thing is, it's not true! Yes, we did opt for the cash settlement. Particularly as we're so fed up with the NFU Mutual not replying to emails, taking ages to reply, and being awkward in general, but it was them who offered it to us in January 2020. They actually said - agree to having our builders back (the ones who weren't qualified and who damaged our house and told lies) or have a cash settlement! When I spoke to the Financial Ombudsman Service, our case handler shed more light on the issue - if we asked for it, the NFU Mutual can use this against us! There's a lot of 'dodgy' stuff going on with our insurance claim, and I intend to get to the bottom of it!
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NFU Mutual are Refusing Us a New Specification, But Why?
This is the only document which would show 'once and for all' what needs to be done to our cottage. Why are they still refusing us a new specification to make sure it's done properly.
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A New Specification – The Only Way Forward with our NFU Insurance Claim
The only thing that could clear this mess up, once and for all, was a new specification. So why are NFU refusing to get one?
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The Cash Settlement – More Unscrupulous Behaviour from NFU Mutual
When we received our latest response from the Group Chief Executive of NFU Mutual, something didn't look right. When I looked into it, I found more unscrupulous behaviour from the NFU Mutual.
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‘We Cannot Continue to Talk About the Errors’ and You Can’t Have the Sum Insured! – NFU Mutual
'The claims department cannot continue to discuss the errors made by the contractor and/or others involved in your claim.' But why not? You've never explained why the errors happened.
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Why a Cash Settlement Offer? Our Claim with NFU Mutual
So, if you’ve been following me on social media, you’ll know that we’re negotiating with the NFU Mutual for a cash settlement. You’ll also know that after three years and three months through a claim, we’re no closer to going home. In fact, our cottage is in a worse state than ever, though NFU Mutual are denying that it is. We could have insisted that they carry out the repairs. We could have asked that we choose the builders to do the repairs and the NFU Mutual pay them. But when we were given the option of a cash settlement, this appeared to be the least stressful way to return…
