I have a case with an Insurance company called 24/7 Home Rescue or staywarm. The incident happen in November 2019 when they damaged my boiler from there incompetency by fixing wrong part that lead to the boiler completely broken and they are not ready to accept the responsibility and also cancel my policy that I have with them (They said my boiler is beyond economic repair BER). There was engineer visit on 11th of November 2019 for leak in boiler through the actuator. Following the engineer visit, he confirm that 3 way cartridge is the problem which needs to be change and he ordered for the part which he confirmed it will arrive and be fix on Friday of that week. On Friday we are expecting the engineer till like 3pm no show until when my wife give 24/7 a call and they promise the engineer still on his way to come fix the part. About 8pm another engineer came for diagnose and he said he was been sent to come and have a look what is wrong with the boiler Me and wife were baffle and upset for their service think that the boiler will be fix that day. Prior to second engineer visit I had remove the actuator to stop the water leaking to prevent water coming on the PCI board of the boiler because I have had a similar issues in past with another insurance company when the actuator was not working and it allow water to spread on the PCI which lead to completely breakdown of the boiler without power and it takes about 4 weeks to get PC1 board "thank God it was during summer then" So I got the knowledge of removing the actuator to prevent water coming to the PCI board from that engineer. So back to the second engineer which doesn't have a clue of what is wrong with boiler he ordered for actuator which is not what causing the water to leak stating that is the actuator problem and because I was not at home on that day to see what he doing and my wife is attending to our little baby (one year old already having a cough because of the cold weather), he said he has ordered for the part and it should arrive on Monday following week for fixing. He came back on Monday to fix actuator instead of 3 way cartridge (to my own knowledge if he had check previous report by the first engineer he would have seen that a part was ordered before) so replacing the actuator makes the boiler works for short period and after he left and we all go the bed on night the boiler was flooded with water damaging the PCI board causing the boiler to stop working completely and all the kitchen worktop and floor flooded with water over night. I gave 24/7 a call in the Morning and they sent the First engineer that came to see it first and he confirm that it was wrong part that was fixed. After a back and forth of Phone conversation they now send me an email that my boiler is Beyond Economic Repair and there is nothing they can do anymore and at that point cancel my policy. Within that week of waiting for the part, I have been approach by staywarm which is also part of the company offering me a service of 10 years deal which I did not agreed to their luring trick because of the ongoing issue in repairing my boiler. So see what is going happen in the end. In the event of damaging my boiler completely with their incompetency they offer me back same service which I agreed upon because there is money to install new boiler and extremely cold winter and i think to myself if decided to take a case against them it will take a while to be resolved of which I think is the right cause because afterward Covid pandemic happen . This force me in way of signing a new contract with them because of the situation at hand (No money to buy new boiler and extremely cold winter with family) and because of my vulnerability of not having to go elsewhere I signed a new contract with them since they still the same company (tit for tat) knowing fully that I am going stop the direct debit after installation . Then I signed a new contract of £25 monthly payment of 10 years which is total of £3,000. I decided to take contract knowing fully I am going to cancel once they install the new boiler since is the way they want play it. Afterward they now charge me to small claim court for the 10 years service which has not been rendered and the Judge of the small claim rule against me to pay the £3000 plus other fees comes to a total £3841.21 which I found unfair and also not allowing me to provide my evidence. They are even using enforcement to get the money how typical in this day when everything is on the High Side