They Lie and Cheat their Clients out of what they are entitled to.
This is a true accurate Account of our
House Fire on 20thAugust 2005 And our dealings with AXAInsuranceCompanyand Their Appointed Agents. Gab RobinsScullyTyrrellLtd
Policy No 12/16/208930607
Ref No 05/2235118 Mary & PatrickRonan
For the attention of the following:
EdwinArmitageedwin_armitage@gabrobins.ie NiallPritchardGab RobinsScullyTyrrellLtd Mr Philip DoyleAXAInsurance J.P.O'Neill (Chief Executive)AXAInsurance D. Holt (UK)AXAInsurance M.A.CasselsAXAInsurance P. G.HealyAXAInsurance P. Hubbard (UK)AXAInsurance P.Maso(FR)AXAInsurance F.DeMeneval(FR)AXAInsurance
Question Why are you trying to Scam Us.
Do you treat all your customers this way. We Honestly could not recommend you. On the 20thAugust 2005 our 4 bed bungalow was destroyed by fire and all our possessions accumulated over a period of 33 years were totally lost. We rangAXAinsurance on the followingMondayto report the loss as they do not have a weekend service. They duly sent their people to the scene where they took photos ,and details of all the remains of our belongings ,and the structure of the house. At this stage my own Assessor who I engaged to look after my claim requested an interim payment for the purchase of clothing ,accommodation etc etc. Our assessor advised my Wife and myself to try and put a list of contents together . AXAinsurance appointedGab RobinsScullyTyrrellLtd. (Limerick) as their loss adjusters. The person appointed by Gab RobinsScullyTyrrellwas EdwinArmitage
TheAXAslogan
AXAand You. Perfect Together.
True or False you be the judge.
They Should Change it to
AXAScam You Perfect Together
Three weeks later we received a cheque on account for 15,000 euro after several phone calls. A couple of weeks after the fire EdwinArmitagetold us we could clear out the house but to keep all the clothes and the remainder of my large collection of clocks and watches for inspection. Approx 550 These clothes were all smoke and water damage and were stored in 30 plastic bags in a shed. Months went bye and no news as to when we could start to re-build our home. Nobody turned up to inspect the clothes etc despite waiting at the house on a number of occasions on the instructions ofEdwinArmitage. Eventually in November 2005 they sent us an interim payment to start the Re-Building. I could have been finished building by then and not have to spend our first Christmas away from home in 58 years. EdwinArmitagerequested that we have the TVs checked to see if they were working and what guarantee could be got from the dealer. We contacted a company in Limerick and duly had the TVs delivered from storage to their premises for inspection. I spoke with the owner and told him I only wanted to have them checked and a letter in writing for the Insurance co stating if they could be guaranteed. Without our knowledge:
The owner contactedEdwinArmitageTheAXAAgentand asked him what to do (None of his Business) And EdwinArmitagetold him to repair the TVs. The owner then phoned me asking for money before he would release them back into storage I asked what guarantee would he give if they were repaired and he said he could not even guarantee he would be alive tomorrow.Some Cowboyat that point I was informed of whatEdwinArmitagehad done. Eventually the Insurance co agreed to sell the TVs to this repair man and to allow us the cost of new TVs.some were already new. Received a few phone calls from Edwin asking where the remote controls were as the TVs would be useless without them, I replied that they were probably in storage with other items.
HOW DID HE REPAIR THE TVs WITHOUT THE REMOTES ????
A few days later I phoned Edwin to ask if I could dump the clothing as they were beginning to smell. He said I could dump all the clothes and keep the clocks and alsowarnedme that I did not have the authority to contact him without going through my own assessor. He had no problem phoning me about the remotes did he. Christmas came and went and no news on the contents so I wrote a letter to my assessor complaining and he forwarded a copy to the Insurance Company. Then I was informed that after nearly 5 Months and no offer on the contents and no help what so ever from EdwinArmitagethat he had been removed from dealing with my claim.(This Fact they denied later) The job was now given over toEdwinsBoss a Mr NiallPritchard. (AS Overseer) We taught at last we would be able to finalise the contents. We were totally wrong.
Early in January My Wife and I met withNiallPritchard,EdwinArmitage, and My own Assessor to discuss the prices for the contents. At that meetingNiallPritchardagreed that all the clothes would not be assessed as old as we had just come back from Poland and had purchased new clothing etc He said that he would askAXAto finalise the contents claim except for the clock collection and some Books and my record collection. He further stated that myclocks ( approx 550) Books approx (300) and 1500 old Music Recordswould be valued as individual items and not as collections as they were bought over a period of 35 years He then went on to say we have adirty jobbefore us now to inspect the clothes He did not even know that hisEmployee EdwinArmitagehad already told us to dispose of them several weeks before that. Another few week passed and we were informed thatAXAwould not agree to pay the balance leaving out the above items. They wished to settle the claim in full. They then some weeks later they made us an offer of less that 50% of the value with a take it or leave it attitude. and Philip Doyle ofAXAinformed me not to contact him again but to go through myaccessor. We pay our subscription toAXAand not theaccessorhave we no rights.
It is now the26thFeb 2006and our home is almost re- built no thanks toAXAor their Agents. We now have to try and finance the furnishing of the house as they have not given my Wife or myself anything towards the contents. They did however give us the sum of 30,000 euro toward my Daughters and sons belongings as they were building new houses at the time and all their possessions were also lost. So my Wife and Myself who are on disability pensions have to get finance to finish the building asAXAhold back a Percentage until we can prove that we spent it on the house.
We also have to furnish the house such as beds,wardrobes, carpets, clothes, bed clothes and generalhouseholditems. We have suppliedAXAand their agents all the documents , photos prices etc that they requested several months ago. So we assume we are not humans only numbers. Well for reference our number is 05/2235118
We had to pay the storage company by visa in order to get our kitchen appliances out of storage. I have also received a Solicitors letter from The Limerick Fire Service for charges. When areAXAgoing to pay. You can view photos of Our Home before and after the fire and also some of the vast amount of items lost in the fire
AXAInsurance have stated that we have cover of the amount of 120,000 0n our contents this is not correct as our policy states that the contents are unlimited and to prove this we list below our renewal notice for2003 2005 and 2006
Your Insurance
INSURANCE RENEWAL STATEMENT Please pay your premium to: WWW.axa.le 47 O'CONNELL ST. LIMERICK (061) 315544 Your policy falls due for renewal on the date shown MRS MARYRONAN/MR PATRICKRONAN CAPPAGHASKEATONCO LIMERICK POLICY NUMBER CLASS OF INSURANCE 12/16/208930607 RENEWAL DATE 08 DEC 2003 Sum Insured/Limit Premium 1 Buildings Contents Motor Policy Discount Combination Discount Age Discount Renewal Premium ex Gov Levy 2% Government Levy Total Due Buildings €220000 Contents Unlimited
www.axa.ie
Please pay your premium before the renewal date shown, to: AXAINSURANCE (061) 315544 MRS MARY RONP.N/MR PATRICKRONANCAPPAGHASKEATONCO LIMERICK Your policy falls due for renewal on the date shown. Policy Number 12/16/208930607 Renewal Date 08 DEC 2005 Class of Insurance Home Insurance Section Sum Insured/Limit Premium Buildings Contents Motor Policy Discount Combination Discount Age Discount Claims Experience Loading Renewal Premium ex Gov Levy 2% Government Levy Total Due Buildings £242550 ContentsUnlimited
This Schedule is attached to and forms part of the Policy numbered below. It replaces any previous Schedule which may have been issued in connection with this policy. Policy Number: 12/16/208930607 Period of Cover: From 00:01 on 08/12/2005 to 24:00 on 07/12/2006 Renewal date: 08/12/2006 Mrs MaryRonanMr PatrickRonanCAPPAGHASKEATONCO LIMERICK
Sum insured Buildings €242,550 Yes - Total value of contents insured Unlimited cover Accidental Damage Cover Not Operative PERSONAL POSSESSIONS: Unspecified Risks - No Specified Risks - No Endorsements applicable. You would pay: €125 Incorporating PMPAInsuranceDirectOrsJ.PO'NeilljChiefExecutive), D. Holt (UKI. MACassells, PG.Healy. P Hubbard (UKI. PMaso(FRI. F. DeMeneval(FR).
AXAInsurance Limited is regulated by the Financial Regulator
Would this be classed as SCAMMING, CHEATING OR JUST PLAIN OLD LIES
(i) Our policy states unlimited contents cover.
AXAsay limit of 120,000 euro
(2)AXAagents agreed to price my clock, books,records,watches as individual items (3 Witnesses to that fact)
AXAnow say they will be classed as a one item collection
(3)AXAagreed to 12 months alternative accommodationMy agent can verify this
Now they say 29 weeks
(4)AXApaid a so called clock expert to put a price on my clock collection. (The ones that thefire brigadeleft behind)
They were asked to price on the basis of them being in good condition. Thevaluerwas shown about 60 clocks and various wrist and pocket watches including 5 silver pocket watches dated about 1890 He was shown an album I had with about 300 clocks taked in a previous house approx 18 years ago.
He was shown photos of other clocks that were destroyed. The majority of the clock collection comprised of old wind up type
His reportstates the majority would date from the 1950s with the exception of a few. The main types of clocks were battery , Said he saw one old silver pocket watch early 1900 Valued Silver pocket watches at 20 euro early 1900 Originalclysdalebudweiserclock he did not know the value. ladies solid gold watch approx 80 yrs old his comment was that a woman now days would not wear them.
He glanced at approx 60 burnt clocks out of over 500 20 watches including 5 silver pocket watches The vast majority of my collection were old wind up clocks and key clocks as were the pocket watches
You can view the clocks & watches he saw in my album as Marked
Where would you get a 1890 silver key wind up pocket watch for 20 euro
WELLAXAWERE PAYING FOR THE REPORT
I put my story on a web page and sent it toAXAsAgents and toAXAInsurance. My email toAXAwas returned by amail sweeperattached to their web site So much for customer relations. We feelAXAand their Agents and some of their Staff are guilty of breach of Contract ,misconduct and bordering on defamation of character.(DO YOU) Some time after thisAXAsent us the final payment on the Buildings without asking for any or all the building receipts which they said originally that they would want before they would release the final payment. They also sent us a cheque on the contents which amounted to approx 30% of what we claimed.
For the record we would like to state the following: The majority of prices we submitted for both my own and mywife'spossessions were taken from Ebay sites We never claimed anything except what we lost moreover weomittedto claim for several items like kitchen table and chairs 600 euro value Watersoftener1200 Euro value wedding albums and lots of small items that we did not think of. If we were dishonest we could have taken advantage of the unlimited contents clause. My daughter and her husband also lost all their possessions as did my son.
DOES IT PAY TO BE HONEST
We wrote to AXA thanking them for both cheques and stating that we at no time agreed to the contents claim and as far as we were concerned this was only an interim payment. They duly sent us a reply saying if we can prove our loss they would look at it.
HOW DO YOU PROVE YOUR LOSS WHEN THEY ARE GONE
We have sent them all the documentation, Photos,prices etc etc that they asked for but they still do not seem to want to do the honest thing and HONOUR their policy agreements. We have requested through our agent some weeks ago for an itemised list of what they have allowed us for each item claimed and when we get this we will give you the readers a chance to see what they think you can buy personal and household goods for.
We would like to thank you for reading this in the hope that others will not have the same trouble in dealing with arrogant faceless Insurance Companies. All your comments will be appreciated.
Up to 2nd of May 2006 in the 9th Month since the fire.
Continuation of our story Dated 25th January 2007
Up to the5th August 2006we had three offers all adding up to much the same. They just revised some items and deducted more from previous offer and made no offers at all on several items. That was when they told us to go to arbitration. So we had to hire a solicitor to make matters worse. The solicitor wrote to AXA Insurance Co on 4th August 2006 requesting them to nominate three choices for an arbitrator. They replied on the 18th Sept 2006 stating they had passed it to their own solicitors. No more communication until Philip Doyle of AXA wrote on 23rd November 2006 giving the name of their Solicitors. Next communication was from AXA Solicitors to Our Solicitors stating they were having trouble contacting the correct person in AXA regarding our claim that was on 9th January 2007. So from 4th August 2006 up to today the 25th January 2007 we managed to get their Solicitors Name.(Are they not just plain incompetent I ask you) I rang the dublin office to find out who was in charge of my case so Icould inform my Solicitor who in turn could inform AXA solicitor. Just to try and speed things up. The person in Dublin office came back to me and said and I quote: Philip Doyle said to tell you if you required and information go through your Solicitor. So much for Ignorance. Who was our contract with or do we loose all our rights. They can pester us with their stupid letters but we are not allowed to ask a question. I suppose that is what they call democracy. Let me tell all you democratic people in AXA I will never stop till the day I die advertising this story. And if you close it down I will open it up again over and over. Just look at the page views at the end:
I am in the process of adding more documents here for you the viewers to see. I will tell you how they managed to have my policy terminated by some of their Incompetent Staff Both in Limerick and Dublin
Sent all the requested details to Dublin office the next week but they were sent back again looking for more info which we duly sent them.
Letter No 3 Dated 17thNovember 2006 from AXA
Mrs Mary Ronan Cappagh Askeaton
CoLimerick
Dublin
Wolfe Tone Street Dublin1
Tel:1890-282822
Ref No:P208930607/002 Date:17 November 2006
Insured : Mrs Mary Ronan
Policy No : 12/16/208930607
Renewal Date : 08/12/2007
Dear Mrs Ronan
We refer to our letter of 01/11/2006 (copy enclosed)
and note that as
yet we have received no reply. If a reply is not received
before theabove renewal date, we will assume
that alternative arrangements
have been made for your Home insurance and
your policy will becancelled from the renewal date.No further reminders will be issued.
Brian Kelly All documents asked for were handed into theLimerickOffice on 29thNovember 2006 by my Wife. Once again I asked how much was my renewal so that I could pay.
Tel: (061) 315544 Ref No:P208930607/005 Date:30 January 2007
Insured : Mrs Mary Ronan Policy No : 12/16/208930607 Renewal Date : 08/12/2007
REGISTERED POST
Dear Mrs Ronan
We refer to our previous letter reminding outstanding premium of €457.76 under your request payment
As we have- not received your payment we must now inform you that we are invoking the cancellation condition of your policy and give notice that all cover will cease and the Policy will cancel with effect from midnight on 11/02/2007.
If there is a lending agency noted on your policy they will be advised of the cancellation.
Yours sincerely
DAN PYKE
Branch Manager
Rang Dan Pyke on 1stFeb 2007 after receiving this letter and told him
that I was in contact with theirDublinoffice early January 2007 to
query the amount of 1278.40 as my Home Insurance was up
since 8thDec 2006
and the lady I spoke to said that the figure 1278.40 quoted
was the correct figure.
He then said they had re assessed the figure (however no one told US)
I told him I had to get alternative Insurance because of the
way AXA were treating us and he replied I cannot comment on that
The Lady inDublin(If that is what you could call her)
Also went on to say that my figure for contents was very high and that
people could be claiming to have a boat in their garage when they did not etc etc
I found theseremarks most offensive and bordering on slander
as she knew we had an ongoing claim with AXA and I informed her there
and then that we never claimed for anything that we did not have on the
contrary we omitted several items and most of our prices were taken fron
sites like EBAY
She went on to tell me she had moved into a new home recently and she
had her own contents Insured for 15000 and it was more than adequate
She then cut me short and said and I quote:
I should have been at home 10 minutes ago as I have a small child.
What was she trying to say to me I still wonder.
(Nice customer relations would you not say)
My contents were listed as 60000 which is not a huge amount
Today is the 2nd of February 2007 and I am just beginning to advertise this web site. It is already listed in Google search plus numerous other web sites. Before I am finished they will understand what it means to have principles and stand by them. Because if you have none you are nothing. Yes the money they owe us is important but having said that knowing you are right and standing up for what you believe in is just as important.
P.S. They must have an abundance of staff to spare because there has been at least 4 differnt people sending us letter regarding the above.
Early in February 2007 while I was away in Spain recuperating from a cancer operation etc a phone message was left at my home asking me to contactAine Sparksof AXA Insurance. When I got home on the Sunday I phoned the mobile Number that was left for me and spoke to this lady who requested a meeting with my wife and myself to try and finalise the claim. We agreed to the meeting and duly met Aine Sparks at our home on Monday 13th February 2007 The meeting lasted about 2 hours and after our discussion we agreed on a final settlement figure for the contents. We would probably have got more if we could take them to the high court. After this she produced a pre written home Insurance policy in our names free of charge for 12 months as a gesture for what AXA had done to us so it was all planned before the meeting.
Big Deal where was the written apology to my
Wife and Myself for 2 years of hell. We can never say we were happy with what AXA and their Agents done to us and just hope that they might in future change the way they treat the people that keep them in their jobs.
I have left this web site up to finish our story and to be fair to all the people who have seen the web site. We would like to thank all the people who have viewed this web site and feel without their support our claim would not be finalised.
Since our house fire in August 2005 she is the only person who has actually spoken to us as humans and not just a policy number.
The reason for this is that the people who own this type ofarrogant Company
have no morals.(I would call them the rich jerks who get fat from other peoples misery.) She also rang me a few days ago to say she had got back my album of clocks I had loaned to their agents and had requested the return of same over the past 12 months as it was the only record of what my clock collection looked like. To end on a good note we have decided to donate the 1000 euro to the following charity: Samaritans Purse. International Relief 42 Heather Road,Sandyford Ind Estate,Dublin 18
They do good work such as providing Homes,Livestock,School Supplies,Water filters etc to needy people. eg: A home costs 375 euro Water filters 60 euro each School Supplies 80 euro
Again our deepest thanks to all who helped:
P.S. I received my album in the post today with the front and back
covers missing and alot of the photos also missing.
You may continue to vote for your charity and I will also donate to the winning charity.
The voting for this will close on 25th December 2007
Yes I am still very angry and will probably never get over what they done to us.
Therefore I am not going to take down my web sites for at lease the same amount of time they took to agree on our claim.
Maybe by then they will come to realize what it is like to be treated likeSHITEEEEEEEE
Today the 18th april 2007 I asked a question in yahoo answers should i take down this site now or leave it up to help others from having the same experience as we had with AXA Insurance Co.
If you get a quotation for house or car insurance from CompanyAlets say for 1000 and you get the same quote fromAXAfor 1500 and you tell them you have a cheaper quote fromAthey then offer it to you atA'sprice would that not be classed as scamming.What about all the people who never got a quote fromAwere they not scammed. There are 1000s of different ways to get scammed.
Friday 18th May 2007
Received a phone call from that nice lady in
AXA Insurance
asking how I was etc.
She asked me if I would reflect on the
harsh words I have used about
AXA Insurance Co
here in my Blog and change it .
My answer was that anything I have said was the
truth and there are no words to describe
our feelings towards
AXA Insurance Co
for the way they treated us and probably alot
more of you good people out there.
I have no intention ever while I am alive
of changing
my views about this scum
Company AXA Insurance Co
or their Agents
Take my advice and steer clear of Scam Companies like AXA Insurance Co
There was never any question regarding contents because we had photos of all items before and after the fire.
So why did AXA Insurance.
Gab Robing Scully Tyrrell.
Stokes Clocks & Watches Ltd.
All lie through their teeth to prevent us from
claiming what we were entitled to and had paid for.
God help all the other clients of this Scamming Company.