Found 24th Jun 2009
i bought a laptop in dec on a buy now pay 12 months later and also purchased the 3 year insurance which was £130 on top of the laptop so come this dec i owe fo the lot.anyway in march my mate came over with her little girl and she climbed on the sofa and knocked my laptop of the side unit and the screen smashed my mate appoligised and said she would pay 4 it 2 be repaired,when i got a quote to repair the laptop it was £250 so she asked me if i would pay half for the repair which i said i couldnt afford so she then asked if i had household ins and couldnt i claim on that instead so i told her about the laptop ins that i had but explained that u can only claim once 4 accidental damage and my ins would no longer be valid once i claimed of it and i hadnt even paid for the ins yet,and would prob cost me another £130 to take out another 3 year ins
in the end she said she would pay £10 a week to pay 4 the £130 ins but since then her fella has sent me some nasty texts.was i wrong to ask her to pay for the ins?

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I don't think the question is whether you should have asked her to pay.
I am more interested in what she has to say about her "fella" sending you those messages.

In future, please don't purchase "extended warranties", I bet it would have been cheaper to insure on your household insurance.

No not at all. It was her fault that she wasnt paying attention to what her daughter was doing, therefore she should pay.

Original Poster

well i think she must had bad mouthed me to her partner for him to send them texts in the first place as he said i shouldnt of left it on the sofa so i think she must of lied to him and told him i had left it lying around
he basically told me to go **** myself if i think they are paying for the damage
my mate only started paying last week after 8 weeks of it being broken

Banned

People should keep a better eye on their children in other people's houses. Sure accidents happen but you have to be prepared to pay for any breakages. Unfortunate it was something expensive though. I would tell her about the texts. Chances are she doesn't know about them. Don't be intimidated by them. Stick to your guns.

Original Poster

she knows about them to be honest i think she has been doing the stirring
i left the laptop on top of a sideboard at the side of my sofa

Depends whether you knew she was coming round and whether you should have put the laptop away. Whether the child was being sensible or jumping around silly.

Why not claim off your household insurance?

greg_68;5574563

Why not claim off your household insurance?



It'll put your premiums up?

Original Poster

her little girl is 2 and a half and she is a handfull she was just running around then climbed up onto arm of sofa it happened so quick to be honest

The text messages asside. It was nice of them to offer to pay originally as technically its your own fault for leaving the laptop lying around when there was a child about.

As the Saints said best thing would of been the home insurance. Warranties are useless as the screen usually doesn't come under it unless its a fault rather then a break.

Benjimoron;5574570

It'll put your premiums up?



Is that a fact or a guess?

If so perhaps the cheapest option is to ask her to pay for the difference it will rise by.

Banned

if it was me i wouldnt even dream of asking someone to pay for something they broke in my home, but know some people do, you have home insurance, although the excess is probably more than the insurance plan. So you are only willing to claim on that if you had knocked it off sofa, seems a bit mad to me

Original Poster

greg_68;5574563

Why not claim off your household insurance?



i have already claimed now on the laptop ins

Adam2050;5574575

The text messages asside. It was nice of them to offer to pay originally … The text messages asside. It was nice of them to offer to pay originally as technically its your own fault for leaving the laptop lying around when there was a child about. As the Saints said best thing would of been the home insurance. Warranties are useless as the screen usually doesn't come under it unless its a fault rather then a break.



sassie;5574580

if it was me i wouldnt even dream of asking someone to pay for something … if it was me i wouldnt even dream of asking someone to pay for something they broke in my home, but know some people do, you have home insurance, although the excess is probably more than the insurance plan. So you are only willing to claim on that if you had knocked it off sofa, seems a bit mad to me



+1 :thumbsup:

greg_68;5574579

Is that a fact or a guess?[COLOR="Red"]Both! Maybe someone else could … Is that a fact or a guess?[COLOR="Red"]Both! Maybe someone else could confirm?[/COLOR]If so perhaps the cheapest option is to ask her to pay for the difference it will rise by.



[COLOR="red"]It would probably be extra each year, and a bit of effort to work out how much extra. So not just a one off payment.[/COLOR]

Banned

thesaint;5574515

I don't think the question is whether you should have asked her to pay.I … I don't think the question is whether you should have asked her to pay.I am more interested in what she has to say about her "fella" sending you those messages.In future, please don't purchase "extended warranties", I bet it would have been cheaper to insure on your household insurance.



agreed :thumbsup: why do people fall for the sales pitch :roll:

sassie;5574580

if it was me i wouldnt even dream of asking someone to pay for something … if it was me i wouldnt even dream of asking someone to pay for something they broke in my home, but know some people do, you have home insurance, although the excess is probably more than the insurance plan. So you are only willing to claim on that if you had knocked it off sofa, seems a bit mad to me



Forgot about excess too, probably more than the laptop itself!

I'd remove your swear words too.

Banned

sculpturatus;5574606

agreed :thumbsup: why do people fall for the sales pitch :roll:



not when your excess on home insurance is dearer than the warranty, also i get my plicy each year through a cashback site, usually end up paying nothing, i believe it becomes harder and dearer to buy once a claim is made

sculpturatus;5574606

agreed :thumbsup: why do people fall for the sales pitch :roll:



I'm guessing because not everyone has the same knowledge. I don't know anything about Mortgages but I know I will ask someone who understands before I get round to it.:thumbsup:

Original Poster

that is the problem i didnt leave it lying around i left it on top of a side unit on top of our stereo,maybe i should have put it in a cupboard but i had only been on it minutes b4 they turned up and it happened more or less straight away

i know if it was me and one of my children broke something belonging to someone else i would pay but thats me,saying that i wouldnt allow my children to climb on the furniture either

It's a tough one mate, I'd try to agree to pay half and leave it at that.

Banned

edjaned if you want friends to pay for accidents in your home, maybe you should put a note up like shops have to "breakages will be paid for by person breaking the,", sorta only teasing, accidents happen within our own homes, if you dont want them from outsiders maybe dont let them in

edjaned;5574626

that is the problem i didnt leave it lying around i left it on top of a … that is the problem i didnt leave it lying around i left it on top of a side unit on top of our stereo,maybe i should have put it in a cupboard but i had only been on it minutes b4 they turned up and it happened more or less straight awayi know if it was me and one of my children broke something belonging to someone else i would pay but thats me,saying that i wouldnt allow my children to climb on the furniture either



You left it on top of somewhere were it could be pushed off, would you have left it there if you had kids. I know I wouldn't leave anything 'breakable' in any place where a child can climb. If you took it to a court of law, i'm pretty sure they would laugh it, and put the blame on you.

Sassie its true.:thumbsup:

Banned

sassie;5574619

not when your excess on home insurance is dearer than the warranty, also … not when your excess on home insurance is dearer than the warranty, also i get my plicy each year through a cashback site, usually end up paying nothing, i believe it becomes harder and dearer to buy once a claim is made



Yeah me too, but you have the option to reduce your excess, you just have to pay a few pounds more. It does not make sense to price yourself out with excessive excess, as when you need to make a claim the money you have saved will be lost.

But like you I have not need to claim for some years

Adam2050;5574621

I'm guessing because not everyone has the same knowledge. I don't know … I'm guessing because not everyone has the same knowledge. I don't know anything about Mortgages but I know I will ask someone who understands before I get round to it.:thumbsup:



Well yeah always ask an expert before parting with your cash :thumbsup:

why should you pay? Is this woman a good friend? Why was she round your house.

Any self respecting person would offer to pay if their child broke something, the child is the parents responsibility and so if they break something the parents should be liable.

Perhaps by getting the mum to pay for it she might then teach her children that you shouldnt climb on sofa's either in your own home and especially somebody else's.

You stick to your guns mate as (if you say) the laptop was not left lying around and it was only the fact the child was using your sofa as a climbing frame/bouncy castle that led to the breakage.

Original Poster

since it happened i have kept my distance from her,i heve realised now she is a bit of a liar

in apr my son was 6 i told her he had asked for a wii but i could not afford one for him,she then said we r selling our wii for £100 with games and she said she would knock £20 off it and take some of the games to wrap up for my sons bday to save her buying something for him,she then said i could pay her weekly and there was no rush for the money,so that is what we agreed,anyway we were on holiday at the time of my sons bday and we were due back the day after his bday my mate said she would leave the wii in my house so he could open it when he came home,i phoned her on my sons bday to check she had put it in the house as we would be home in the morning she then said she had just spoke to her fella and he wants £120 now instead and she had decided to buy my son something else instead,she also said her fella wanted the £120 in 4 days time.so i was a bit annoyed with her over that

Original Poster

Adam2050;5574672

You left it on top of somewhere were it could be pushed off, would you … You left it on top of somewhere were it could be pushed off, would you have left it there if you had kids. I know I wouldn't leave anything 'breakable' in any place where a child can climb. If you took it to a court of law, i'm pretty sure they would laugh it, and put the blame on you.Sassie its true.:thumbsup:



i have 5 children i left it the same place as i always leave it,my own kids dont climb on my furniture,plus when u r on ur laptop and someone knocks on ur door i didnt automaticaaly think hide the laptop

DJNG22;5574689

why should you pay? Is this woman a good friend? Why was she round your … why should you pay? Is this woman a good friend? Why was she round your house.Any self respecting person would offer to pay if their child broke something, the child is the parents responsibility and so if they break something the parents should be liable.



Agree with the first point. But I would offer.

DJNG22;5574689

Perhaps by getting the mum to pay for it she might then teach her … Perhaps by getting the mum to pay for it she might then teach her children that you shouldnt climb on sofa's either in your own home and especially somebody else's. You stick to your guns mate as (if you say) the laptop was not left lying around and it was only the fact the child was using your sofa as a climbing frame/bouncy castle that led to the breakage.



Not being funny but that’s still very Naive to think that when its someone elses kids.

edjaned;5574706

i have 5 children i left it the same place as i always leave it,my own … i have 5 children i left it the same place as i always leave it,my own kids dont climb on my furniture



Yeh but this toddlers not yours?

You haven't educated them.

Banned

I wouldnt tolerate anyones children jumping around my home, i do not tolerate it from my own and wont from other peoples, i would ask them to leave,and many years ago did infact ask them to do exactly that, you cant really allow them to do what they like in your home and then moan when something happens, although this now does sound a little tit for tat

Original Poster

Adam2050;5574721

Yeh but this toddlers not yours?You haven't educated them.



yes but ur question was would i have left it there if i had kids so i was saying yes i do keep it there and yes i have kids

edjaned;5574697

since it happened i have kept my distance from her,i heve realised now … since it happened i have kept my distance from her,i heve realised now she is a bit of a liarin apr my son was 6 i told her he had asked for a wii but i could not afford one for him,she then said we r selling our wii for £100 with games and she said she would knock £20 off it and take some of the games to wrap up for my sons bday to save her buying something for him,she then said i could pay her weekly and there was no rush for the money,so that is what we agreed,anyway we were on holiday at the time of my sons bday and we were due back the day after his bday my mate said she would leave the wii in my house so he could open it when he came home,i phoned her on my sons bday to check she had put it in the house as we would be home in the morning she then said she had just spoke to her fella and he wants £120 now instead and she had decided to buy my son something else instead,she also said her fella wanted the £120 in 4 days time.so i was a bit annoyed with her over that



I think using 'mate' is stretching it a bit far. They both sound like a right pair of users.

Not being funny but that’s still very Naive to think that when its s … Not being funny but that’s still very Naive to think that when its someone elses kids.



Naive? To think that parents should possess the ability to teach children how to behave?

Banned

I have to agree that asking her to come back for the next 13 weeks with £10 per week is just asking her to return into your life. just let her go, she has proven her worth as a friend (i.e. she's not a good one, you are better without her) claim on your insurance and be done with it

edjaned;5574738

yes but ur question was would i have left it there if i had kids so i was … yes but ur question was would i have left it there if i had kids so i was saying yes i do keep it there and yes i have kids



Ok fair enough.:thumbsup:

DJNG22;5574754

Naive? To think that parents should have the ability to teach children … Naive? To think that parents should have the ability to teach children how to behave?



Not aiming it at anyone, yes responsible parents teach there children, yes some people struggle. The Naive part is the assumption that they have taught there children the same as yours.

Banned

so if the child had been a well behaved child, and the mother a better friend, and the child had just been curious to have a look and broken it would you still expect them to pay, you invited these people into your home


although i seem to be on ignore so may not get an reply - lol

Rather than asking £10 each week could you not ask for the Wii instead?

Although if this happened in my house, I'd be very upset and I'll report to the parent, but wouldn't have the nerve to ask them for money.

See how it goes for you, if she pays anything thats good otherwise it is just a bad experience. In the future you could also be uber careful when other's kids are around.

sculpturatus;5574755

I have to agree that asking her to come back for the next 13 weeks with … I have to agree that asking her to come back for the next 13 weeks with £10 per week is just asking her to return into your life. just let her go, she has proven her worth as a friend (i.e. she's not a good one, you are better without her) claim on your insurance and be done with it



That about sums it up perfectly :thumbsup:
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