Big Bad Wolves Abound!

Hi.

.

Greetings from a land of sunshine….no, I kid you not!

.

I have to tell you that I got pretty pissed off this morning when the post arrived, well it didn’t just suddenly arrive by magic or by Owl Post or something equally esoteric….the postman brought it !

And it was very very annoying.

.

The bundle contained a renewal notice of our combined ‘house and contents’ insurance….I know, it is bloody boring stuff and usually we just note that it has been renewed and pop it away in the drawer in case some catastrophe should befall us in the coming ‘well protected?’ year.

.

Well, this time I felt unusually sensible and energised for some reason, so I decided to actually thoroughly read it through.

.

And what did I find, tucked away on a page at the back!

There was a new tit-bit added….which had been given a clear ‘Yes’ answer.

.

It said that the building had never, in it’s past, been used for anything other than domestic purposes.

Who inserted this question all of a sudden!

And who bloody answered ‘Yes’ to it, cos it certainly was not us, as the premises WERE once used for business purposes.

.

Do you know what….that makes you suddenly realize what the result would be if you made some large claim or other.

Say the property got hit by a plane, which happened just a couple of days ago when a house was hit by a small 2 person aircraft….or perhaps a runaway tanker….or a giant stamped on it!

Well, the claim would probably be dis-allowed wouldn’t it….because we LIED!!!

.

Honestly, I was, change that to am, so annoyed by it!

And now we will have to cancel that insurance because I don’t trust them anymore….not that anyone seems to trust them very much anyway.

.

It is like signing documents that your solicitor gives you, and there is a little bit of writing that advises you to take legal advice before signing this document as it is binding and could have legal consequences.

Why do they think we got a solicitor to do it….probably because we DON’T know what we are doing….or we would do it ourselves in the first bloody place.

.

I remember years ago, when Big H was self-employed and we got our accounts done by the accountant, giving him every paper and receipt etc. that he could possibly need.

We got pulled in to the tax office because the firm of accountants had not done their job properly and had neglected to do some cross referencing….which the taxman said was obvious because some ticks were missing that are usually there when the cross-checking is done.

He said it was obviously not our fault and that the accountant had been careless in his preparation.

.

Wow, what a relief.

.

The taxman followed this by saying that he was still going to make us pay the overlooked tax….plus a big fine….because he would have to let everybody off with things otherwise.

He was a total bastard and we had to sell our utility shares that the government sold to everyone at that time, our savings to do the house up, and the money that we had saved towards that current years taxation.

We could have fought our corner I suppose but we were so stressed already and I think that the need to do so would probably have killed Big H off.

.

I did ring around for advice and even asked the accountant’s governing body what could be done.

Upon being informed that all that they could possibly eventually do, was write a little squib about it in their publication, sent to accountants, as a means of smacking his hands.

Big Help!!!

.

So there you have it, we are all little naive sheep, out there in a world of expensive, non-accountable, devious, Big Bad Wolves.

.

If you are still with me, I cannot think why, because even I feel totally depressed and angry by now!

.

Wow, that was a long rant.

Anyway, have a non-confrontational day yourself,

Moi,x.

.

.

Leave a Response