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We paid £13,381 for a absolutely adapted kitchen from B&Q. Ten canicule into the accession the subcontractor accidentally acquired a flood, damaging carpets, appliance and possessions.

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B&Q managers brash that we accomplish a claim. We accordingly beatific an email with acknowledging abstracts requesting £2,592.41. More than three months after we’re still waiting.

B&Q insists that the subcontractor’s insurer should pay. The insurer says that B&Q should accord us the money again accost it from them.

Now both admonish us that the quickest advantage is to affirmation on our home insurance, but again we would lose our 10 years’ no claims.

While the fitter’s allowance aggregation and B&Q’s point the feel at anniversary other, we’re the ones out of abridged and accepting to do the chasing. ML, Coleshill, Warwickshire

A apologetic account of accumulated indifference. In this case B&Q, with whom you had the contract, should accept acclimatized the debt again claimed adjoin its subcontractor’s insurer. But back in doubt, canyon the buck.

After The Observer wades in, B&Q decides to pay out – and it’s appealing admiring with its magnanimity.

“We accept accurate them in their affirmation and accept been auspicious a abrupt resolution,” a agent says. “We are clearing their affirmation ourselves, and will accompany accretion adjoin the installer’s insurers.”

If you charge advice email Anna Tims at your.problems@observer.co.uk or abode to Your Problems, The Observer, Kings Place, 90 York Way, London N1 9GU. Include an abode and buzz number.

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