Nov 02,2018
By: 'Georgina'
Nov 02,2018
3 people found
this helpful
I viewed a house via Haart two months ago, I loved the house and the landlord was present and seemed really nice, however, Dinesh was frustrating to deal with from the start.

When we arrived to view the property two girls were in there looking already, they were waiting for their boyfriends to also come and look at the property who were running late. They arrived after us and were late but Dinesh advised that they should be able to look around first. I am assuming that Dinesh was keen for these two couples to move in to property because that would mean four lots of agency fees. I was 30 weeks pregnant at the time and made to stand outside and wait for them to look around even though I had been prepared and shown up early. It was clear that the landlord was also dismayed as he pulled Dinesh to one side to remind him in my ear shot that it was ultimately his choice who should let the property. The two couples viewing the property wanted to video call their mum and show her around the property, luckily the landlord stepped in at this point and allowed us to view the property.

We decided we were interested and made that clear to the landlord, who advised the following day they wished to accept us. I went into Haart the same day and paid the agency fees and signed the documents to enable them to start the referencing process. I made sure to advise that I work in insurance and do not wish to receive nuisance phone calls from homelet in relation to taking out tenants liability insurance.

Because you cannot carry out the reference process until 60 days prior to the tenancy starting we had a little wait. I had to remind Dinesh to start this process as the 60 days went and passed it was apparent he was not going to start the ball rolling until I reminded him to do so.

The reference process itself was ok apart from the sheer amount of information they asked for, my partner had to supply a copy of their contract of employment, a statement from his boss and three months pay slips. I only had to supply pay slips ?? Which seems strange as my partner earns double my wage.

After passing the checks homelet rang my partner 4 times asking if we wished to take out their tenants liability, each time he advised no we did not and asked them to remove as from the system as we do not want their product. Dinesh then rang myself asking if i wished to take out the insurance, I explained to him again that I did not.

Tenants liability is hardly provided by any insurance underwriters, it is a product similar to PPI in terms of usefulness. Seeing as the house is unfurnished why would I need an accidental damage policy on the landlords fixtures and fittings. Strangely enough homelet are one of only a handful of providers which offer this insurance.

3 weeks prior to the move in date Haart called asking if we could change the move in date a week later, which would be one week before my due date which they were aware of. I was shocked that they had even asked, and they quickly confirmed we would be able to move in on the original due as we had previously arranged.

The week before the move in date we still did not have the tenancy agreement ready for us to sign. Dinesh then called again about tenants liability, yet again I advised we would arrange all of our own insurances when we were in the property and able to actually know what we needed to insure. Dinesh said that we could not have the tenancy agreement signed until we had produced a policy document for tenants liability. I explained to Dinesh that there is no requirement in tenancy agreement for us to have an insurance policy or produce a copy to Haart.

The agreement states under tenants obligations

14.3. As a condition of entering into this tenancy agreement the tenant shall ensure they
have sufficient means to cover their liability for accidental damage to the landlord's property, furniture, fixtures and fittings

I confirmed that we have sufficient means to cover our liability in respect of accidental damage including the deposit we have paid.

Dinesh then tried to use scare tactics to try and get me to purchase the policy. He advised there would be no cover for things such as storm, fire or flood if I did not purchase the policy as the landlord is not responsible for insuring these. I advised Dinesh that I work in insurance and that tenants liability insurance does not cover the buildings like a normal household insurance policy it only covers me accidentally damaging the landlords fixtures and fittings. Dinesh advised me the landlord only has legal expenses which I commented was strange as the tenancy agreement states under landlords obligations

21. Insurance 21.1. To insure the Premises and the Fixtures and Fittings under a general household policy with a reputable insurer and to provide a copy of the relevant sections of the insurance policy to the Tenant at the start of the Tenancy or as soon as possible thereafter.

When I made a complaint about Dinesh he advised that he was sorry I thought he was argumentative and that he was just trying to help me move in. My complaint is not regarding Dinesh being argumentative although he certainly was, it was regarding the blatant mis sale of tenants liability insurance which I assume he earns a commission from each referral. Dinesh was aware that I was 37 weeks pregnant at the time and anxious to move into a property which I had made all of my arrangements to move into for only a few days later.

I have had to nudge Dinesh every step of the way and argue about the scope of tenants liability insurance. I advise Dinesh do some research on the product he is trying to force people into buying before he sells it. I will be making a complaint to homelet as they are the next FCA regulated firm in the chain for mis sale of an insurance product.
Comment on agent fees
I shouldn't have had to pay a penny for the terrible service I have received, I have effectively done Dineshs' job for him.
Was this helpful? Yes
By: Dinesh Devarajan
Nov 03, 2018
Hello Georgina and Joseph,

I read your review at Allagents.com. I am very disappointed to know that you felt that way about my service. It was certainly not my intention to leave an unsavoury experience for you.

I always try my best to leave a very good impression with my clients and I will definitely do my best to improve my services in all aspects of your complaint.

I hope I could get an another opportunity to serve you better!

I wish you and Joseph all the best for the future.

If there is any further issues, please contact me directly and we can resolve it.

Have a lovely weekend.

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