you are very welcome

I am not a more than rep. I work for a company called sainsburys.

Brilliant!
Thank you!

medzedz,

ring up more than telling them that you have the right to complain then the customer service rep can assist you with your complaint,

Making a Complaint

At MORE TH>N, we are committed to going the extra mile for our customers and wherever possible, exceeding their expectations. If you believe that we have not delivered the service you expected, or you are concerned about any aspect of our service, please let us know.

To help you resolve your concerns quickly it is important that you speak to the right person. You may decide to call us directly and we want to provide you with a number of options to ensure you speak to the right people as soon as possible. Please see the important telephone numbers below:

telephone numbers below

0800 980 8458 Home customer service line and asked them to that you wish to complain about the service that you are getting. Tell them what happen their will put the information about the complaint on the computer screen.

if the customer service rep not solved the problem then you have the right to speak to their line manager. record their names too put them on a paper so you can write a letter with the complaint.

If you not happy with the line manager solving your complaint you have the right to write a letter to more than or email

More th>n, Customer Relations, 1st Floor, Bowling Mill, Dean Clough, Halifax HX3 5WA OR EMAIL crt.halifax@uk.rsagroup.com

When you write a letter recall all the names of the customer service reps and line managers too.

if you have no responce or their give you a hard time then you can write a letter to

If you are still not happy:

If you are still not satisfied after the review, or you have not received a written offer of resolution within 8 weeks of the date we received your complaint, Royal & Sun Alliance Insurance plc is regulated by the Financial Services Authority whose arbitration service is the Financial Ombudsman Service and you can refer your complaint to them. They can be contacted at:

Write:


Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall,
London,
E14 9SR

Telephone:


0845 0801800

Email:


complaint.info@financial-ombudsman.org.uk

Website:


www.financial-ombudsman.org.uk

You must approach the Financial Ombudsman Service within 6 months of our final response to your complaint. We will remind you of the time limits in our final response. Your rights as a customer to take legal action remains unaffected by the existence or use of any complaint procedures referred to above. However, the Financial Ombudsman Service will not adjudicate on any case where litigation has commenced.

You can check your credit references out too if their give u a fraud warning.

this is not right that their called you a fraudster.

Thank you.
I won't give up on this on pure principal!

I doubt they would register the fraud in anyway without proof. At the moment it is just a suspicion.

They are not threatening you. If they have a report which says that the laptop could not have been damaged in the way you claim, they are just asking for an explanation, saying that if they don't receive an explanation or alternative opinion then the options could include the claim being declined and the policy cancelled.

Suggest that you put in a written complaint to them stating your disgust at their accusation and that the laptop was damaged as you had previously told them. Make it clear to them that you are happy for the laptop to have another independent inspection and will continue with any complaint to the FOS if necessary.

Thanks. I fully intend to go all the way to FOS if needed.
Are they able to register a CIFAS against me in the meantime?
Are they almost threatening this, if you see what I mean? ie, I can go quiet and leave it there or take it all the way and risk further repercussions etc?

I have a feeling that to Insurers laptop dropped downstairs = fraud. Therefore the laptop was inspected and they think that the damage is not consistent with being dropped downstairs.

What you don't want to do in these circumstances is back down. People caught out making dodgy claims, often suddenly go quiet. Make the complaint and see if you can obtain another opinion about the laptop damage. What you don't want is a cancelled policy, as that just makes life more difficult as you have to declare this when arranging future cover and end up paying a lot more.

On the 28th of June my wife tripped over the baby gate at the top of the stairs with our laptop and dropped it down the stairs.

I claimed with morethan who told me the process would take a week or so but I would have to pay the £100 excess.

We use the laptop to watch iplayer and DVDs downstairs for us and my 2yo son. So time was a factor in deciding whether to claim or buy another.

Today (3w 4d later) after much hassle and fobbing off I have been told that the damage to the laptop has been deemed to be "excessive"?!?!

Clarification of this term excessive meant that they are accusing us of the laptop being "stood on". The laptop is concave meaning pressure from a hard yet soft source as there are no marks. Which could be a boot for example. Lets go one further morethan, perhaps maybe a carpeted stair??

Anyway, the upshot is that they are NOT going to pay for my claim as I'm a dirty liar, but to add insult to injury, they are considering cancelling my policy, which will of couse affect my future premiums with other insurers.

To say I am upset/angry is to put it mildy.

If I had stood on it with "boot" and wanted to make a claim I would have run over it with my car or something. I am not a moron, or a liar and am completely at my wits end as to how I can make these people pay for this either in NOT voiding my policy or getting some kind of compensation or even better just paying out my claim!!

I have raised a complaint with them for what its worth and was thinking of taking the laptop to an independent repairer to get it assessed.

What do you guys think? Im struggling to think of us being anything but a statistic.
On reading their reviews, the term "excessive" is something that seems to crop up a lot.

I hope you are able help to us
Thanks in advance.