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• are you confident that I hired a tradesman through MyBuilder website to do some painting and decorating as I needed to get my house onto the market. (I wanted to take advantage of the buoyant market before Christmas and the Stamp duty holiday). He had a number of good references on MyBuilder and also on Checkatrade and purported to be a professional with photos on there of his decorating certificates. He had Public Liability Insurance. He seemed decent when I met him - quiet and polite, no red flags. I took as much care as I could when hiring, interviewing a number of tradesman, as I am a disabled woman living on my own, and unfortunately where I live, it seems to be open season with a long succession of tradespeople from other sites ripping me off and running away with my money. But the work had to be done so I hired this guy, trusting in MyBuilder's vetting system, believing their vetting system would check out his qualifications and weed out pretenders. However, given previous experiences, and feeling very vulnerable too as I'd already been delayed for a few months by a bodger who I'd had to call police on because of his threats, theft and attempts at extortion, and unable to afford being out of pocket yet again, I decided to get MyBuilder Plus Insurance to cover this job just in case, little dreaming I would actually need it. This insurance is supposed to cover if work goes wrong with the insurer paying up to three times of what is contracted for in the contract of works. Before I took out the insurance, I even went so far as to contact MyBuilder Plus asking what the wording in the contract of works between he and I needed to say and how best to word it in order to cover myself in the event of any claim as the contract was a little too vague and unclear for my liking (I understood this was because of the MyBuilder site foibles.) It didn't help that his first language is not English. Even though my inclination was to be persnickety and state every single thing we had verbally agreed to bit by bit (the job was for several rooms and misc. bits and pieces here and there), I was assured by MyBuilder Plus I did not need to do that, what we had was fine. I stupidly trusted the insurer (big mistake) and I also stupidly trusted the decorator (bigger mistake). As well as doing stuff badly, he left large areas and even whole rooms undone. He was supposed to fill, sand and varnish my wooden floor to fill gaps and remove scratches and it is evident he only hand sanded small areas as the scratches and other marks remain and he did not varnish it at all, only cleaned it so it looked filled and shiny until the wet actually dried! He actually made the floor look worse in the cold light of day. Everything he did (literally) in every room needs redone and that is no exaggeration. Other areas he did not do at all. He used hazardous fire material foam not wood when boxing in my utility metres so in some cases, it is a priority to UNDO his work. Furthermore, he damaged a load of my items by putting them out in the garden to get wet for a couple of nights while he was decorating, even though I understood he had put them in the dry outbuilding. I was devastated when I found them out there, and just his lack of care and attitude about it. He also damaged my back door by whacking furniture against the lock so it does not close properly now, and he stuffed wet wipes down my toilet blocking my drain. To say I have been devastated is an understatement, particularly after the guy before him. Were it not for MyBuilder Plus Insurance, given his terrible and incomplete work, I would have just not paid him and that probably would be the end of it, as everything needs redone and his work is not worth a penny. I regret the price of paint etc supplied let alone anything else. I know I could sue him for damage to my property (I estimate damage totals over £600) but the likelihood is I would just let it go as who wants legal battles. So anyway, here now involves the MyBuilder Plus insurance bit-- They refuse to pay out on materials and supplies The policy document says Materials and supplies provided by you unless included in the amount insured are not covered. In my case, the materials and supplies were clearly part of the sum insured as the quote was inclusive of ALL materials including paint. MyBuilderPlus are saying because I bought the items days before I hired him, therefore they will not cover them. At no point does their policy restrict or exclude based on WHEN the materials were purchased. It says 'materials and supplies provided by you.' I provided them. This is £200 they are weedling out of. MyBuilder Plus have acknowledged from the start of the dispute I have every right not to pay this tradesman. However, their policy says I must pay the amount originally contracted for to someone. So if not paid to him, I must pay it to the new tradesman rectifying his work. They will pay any amount over and above. Fair enough. BUT... They will not accept that he has been part paid already £200 odd in materials. Furthermore, they do not accept that he has been part paid already for the damaged items. Were I to pay him (just pretending for one moment the job was all finished OK) then both these things would reasonably be deducted from the total due. This amounts to over £800 so is no small amount. Yet My Builder Plus are insisting I have not paid him a penny yet (as they see it) so I must pay either him or a new tradesman again the whole total amount. I do not think this fair. Obviously, ethically I have a huge issue with paying him anything, let alone in full. It is like rewarding him for his fraud and allowing him to get away with it. Plus like I say he owes me for damage to my home and contents. Even if I took him to court and sued him successfully, there's no guarantee I would get it back from him and people can hide cash and not payout despite court orders. And he is foreign so could just skip the country. I would much rather pay the new tradesman and not him out of principle. But bearing in mind he is currently demanding he gets paid, saying he will get his solicitor on me if I do not ( I suspect he's bluffing, but can't be sure. Even though I don't think he has a leg to stand on in court because of ample evidence in my favour, we all hear about miscarriages of justice, judges not liking your face on the day etc. So what if, worst case scenario, the judge doesn't like my face, refuses my counterclaim for damages, and believes ahis lies and the court decides I have to pay him some or all of the total? I asked My Builder Plus what would happen then and asked if they would refund me the money I would have paid their second tradesman as I would then be paying out for the same job twice (a worse situation than if I did not have insurance!) and My Builder Plus said no, they would not! I even asked them about putting the amount in some kind of escrow pending any legal action by either party and no, they said I could not do that. So we are in the ridiculous situation of me paying him in order to protect myself from potentially paying out twice for the same job. This cannot be right?? camera bag cyber mondaywhere to buy cheap burberry bags?

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