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Home contents claim: Daniel Mercer, Fallowmere Insurance (sample)
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2024-11-12 · Date and time printed on the watch receipt (no. 10482, £5,800, Ashdown Jewellers). The shop says it did not
2025-03-03 · Ashdown Jewellers' records: receipt no. 10482 was issued for a leather watch strap, £340.
2026-07-29 · E-bike, 2025, matt grey, listed for £2,400 in Brackenford by "DanM_Brack"; frame number given as WTB24-...4
2026-08-01 · Policyholder asks online to add the watch (£5,800), camera (£2,400) and e-bike (£3,200) to the policy as sp
2026-08-03 · The e-bike listing is marked as sold.
2026-08-14 · Mercer says he locked the house and garage and drove to his sister Joanne's, about two hours away.
2026-08-14 · Mercer's card used at Brackenford Services, £61.05.
2026-08-15 · Carol Benning hears glass breaking from the back of the houses, at around a quarter to twelve.
2026-08-15 · No. 12's doorbell camera records a vehicle with its headlights on in the road (23:41:07). No plate, make or
2026-08-15 · Joanne Mercer: Daniel popped out on the Saturday evening to see a friend and, she thinks, got back late aft
2026-08-15 · Mercer's card used at Brackenford Services, £48.20.
2026-08-15 · Carol Benning sees headlights swing across her curtains, as when a car turns onto no. 14's drive, a little
2026-08-16 · Burglary reported online to Brackenshire Police, ref. BP-26-0816-3317; no officer to attend.
2026-08-16 · Mercer says he got home to find the back door glass smashed and the door unlocked.
2026-08-17 · Claim FWH-2026-118834 for £14,600 received online by Fallowmere.
2026-08-19 · Fallowmere Counter Fraud instructs Larkacre Loss Adjusting (Hannah Pryce).
2026-08-21 · Site visit by Hannah Pryce (to 12:15). Most of the glass is outside the door, there are no marks on the fra
2026-08-24 · Statement taken from neighbour Carol Benning.
2026-08-26 · Hannah Pryce saves a screenshot of the e-bike listing.
2026-08-27 · Joanne Mercer emails the adjuster about the weekend.
2026-09-02 · Ashdown Jewellers write that receipt no. 10482 is not a sale of this watch and that the VAT number is not t
Item · Claim form
Item · Policy schedule: change of 1 August
Item · Statement: Daniel Mercer
Item · Site visit notes
Item · Photo: the back door
Item · Police crime report acknowledgement
Item · Marketplace listing: e-bike (screenshot)
Item · Watch receipt, Ashdown Jewellers (photo)
Item · Doorbell camera still, no. 12
Item · Statement: Carol Benning (neighbour)
Item · Bank statement extract, August
Item · Email from Joanne Mercer (sister)
Item · Letter from Ashdown Jewellers
Item · Photo: the garage
Item · Photo: the watch (supplied by the policyholder)
Item · Mercer: "did not come back to Brackenford" all weekend
Item · His card used at Brackenford Services, Sat 15 Aug 22:58 (£48.20)
Item · Joanne: he went out Saturday evening, back late
Item · Benning: headlights as if a car turned onto no. 14's drive
Item · Benning: glass breaking at the back, about 23:45 Sat
Item · Site visit: most of the glass outside the door, up to 1.5 m out
Item · Site visit: no marks on frame or lock, no footprints
Item · Mercer: e-bike "never sold it or offered it for sale"
Item · Watch, camera and e-bike added to cover 1 Aug 21:14
Item · Mercer: watch bought at Ashdown, Nov 2024, £5,800
Item · Ashdown: no. 10482 was a £340 strap, 3 Mar 2025
Item · Ashdown: VAT number on the receipt "is not ours"
Item · Same merchant, Fri 14 Aug 17:52 (£61.05), as he left Brackenford
Item · Mercer: garage side door "may have been left unlocked" (but para 1: he locked it)
Item · Site visit: back door key left in the lock inside
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