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AIBU?

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Buyer ripped my new vinyl

39 replies

SecretNameforMN · 19/07/2025 20:02

For context, I am a single lady house owner, retired, so on a moderate income.

Just 8 weeks after I had new vinyl laid in my kitchen a local man came to my house to collect something I sold him on eBay for £50. There was a piece of furniture in the way of him carrying the purchased item out of the house, and without asking me or waiting for me to help lift it and move it, he took it upon himself to drag the piece across the vinyl, stretching it and tearing a jagged hole 40cm long and 20cm wide. He was suitably apologetic and said to let him know how much the repair cost, and left.

Flooring man came back and tried his level best to make an invisible mend but because the vinyl had been rucked up and stretched as well as ripped, it was impossible. He glued it down so it wasn't a trip hazard but it looked horrible. He did not charge me.

I tried to live with it for a couple of weeks but it's in a most prominent and brightly-lit spot in the middle of the room. The only solution was to re-buy the whole sheet and pay the fitter again. It cost £350. I messaged the man who did it and he flatly refuses to reimburse me, saying that is a ridiculous amount to pay for his innocent mistake.

And so I am £350 out of pocket, entirely because of him!

AIBU to think that he should reimburse me?

OP posts:
SecretNameforMN · 19/07/2025 21:02

Cosyblankets · 19/07/2025 20:38

300 is a lot for an excess.

I misremembered. I just got out the policy and it's actually £350. See image.

Buyer ripped my new vinyl
OP posts:
TravelAdviceNeeded · 19/07/2025 20:45

Skippydoodle · 19/07/2025 20:10

Letter before action, followed by small claims court.

This.

Give him one last chance with a final message:

E.g., Just following up regarding the damage to my vinyl flooring caused when you collected the furniture. You saw the extent of the damage at the time and assured me you would cover the repair cost. However, I was surprised when I contacted you on xx-date and you responded that you wouldn't be paying although you did acknowledge on this message that it was your mistake. I want to give you one final opportunity to resolve this fairly before I consider pursuing the matter through legal channels. Please let me know how you wish to proceed.

If he still refuses to reach an agreement then proceed straight to small claims.

Cosyblankets · 19/07/2025 20:38

SecretNameforMN · 19/07/2025 20:33

The excess is £300. If I claim I would lose my no claims bonus built up over 20 years.

300 is a lot for an excess.

SecretNameforMN · 19/07/2025 20:36

cherish123 · 19/07/2025 20:07

What's the excess on your insurance?
Could he pay a contribution, say, £50-100? This would cover some of the excess.

It's £300, but I would imagine that it would put up next year's premium by at least the other £50 and for years and years into the future. I've never made a claim in 20 years.

OP posts:
Yogabearmous · 19/07/2025 20:35

Small claims court

SecretNameforMN · 19/07/2025 20:35

Buzyizzy217 · 19/07/2025 20:12

This is typical of men when they’re with a single woman. Do you happen to have any written conversation from him which makes it obvious he did the damage? Also, do you have legal cover on your insurance? If yes to both, sue the barsteward.

No he said it all verbally at the time. Owned it completely and was very very apologetic, to the point of being mortified at what he'd done. We did message after talking about it but he didn't reiterate what he'd done or his apology.

OP posts:
SecretNameforMN · 19/07/2025 20:33

Gettingfitorbust · 19/07/2025 20:05

That’s what your house insurance is for surely?

The excess is £300. If I claim I would lose my no claims bonus built up over 20 years.

OP posts:
SecretNameforMN · 19/07/2025 20:32

Gettingfitorbust · 19/07/2025 20:05

That’s what your house insurance is for surely?

The excess is £300.

OP posts:
Buzyizzy217 · 19/07/2025 20:12

This is typical of men when they’re with a single woman. Do you happen to have any written conversation from him which makes it obvious he did the damage? Also, do you have legal cover on your insurance? If yes to both, sue the barsteward.

Skippydoodle · 19/07/2025 20:10

Letter before action, followed by small claims court.

ooooohlala · 19/07/2025 20:08

I agree with PP that asking him for all/ half of the insurance excess sounds fair. But if he refuses to pay, I don’t really think there’s anything you can do.

BellissimoGecko · 19/07/2025 20:08

Oh come on, @Gettingfitorbust, that’s totally unfair. It was this bloke’s fault, totally, and he should pay. Why should op lose her no claims bonus and have to pay the excess??

cherish123 · 19/07/2025 20:07

What's the excess on your insurance?
Could he pay a contribution, say, £50-100? This would cover some of the excess.

Gettingfitorbust · 19/07/2025 20:05

That’s what your house insurance is for surely?

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