Many thanks for your response. The 2013 check up was at the beginning of February 2013 and I took out the insurance in April 2013. I basically swapped insurers as the current insurers were a lot cheaper for the same level of cover. Could this have any affect on the claim?The check up this year was again at the beginning of February and the dental work has just been carried out.I will ensure that salmon is provided as a treat only along with the occasional bit of caviar!! lol Other than that a nice well balanced diet.Regards

I recently had my cat in the vets for the annual (2014) check up and the vet told me that it needed 2 teeth removing as they were going bad and would start to cause some pain. I had the teeth removed at a cost of over £500 and everything was good. The insurance company have now rejected my claim for the following reasons - In 2013 the cat had her annual checkup and the vet looked at her teeth and stated 'she will require some work on her teeth in the future'. This was recorded on the cats vetinary medical notes. Because of this comment the insurance are rejecting the claim as the policy I have states - The pet must have been seen within the previous 12 months - which she was in 2013 and then again in 2014.and, that any work recommended by the vet must have been carried out and, they will not pay claims for any pre-existing conditions from before the policy started. My question is - would the vets comment highlight a pre-existing condition or could it be interpreted as a 'throw away comment' eg; I go to the opticians and they say you will need glasses in the future - it doesnt mean I wear them now, and, would this comment be seen by an insurance company as a recommendation of work which in their view should have been carried out? The vet has stated they will write a letter to the insurers if required stating that the work the comment related to was not essential at the time and was in no shape or form urgent. It was just advise to a pet owner which, unfortunately, was recorded on the medical notes. If they weren't included their the claim would be ok. Could any insurance experts please help / assist /advise. The end result is the pet has had the work done anyway, but if I got the money back, they would be one happy cat as I could afford to feed them fresh salmon instead of Whiskas for the forseeable future, lol.On a serious note any help would be most appreciated. Thankyou

Would just like to say that I had the same problem with defaults on my account. Please be aware that it is practically impossible to get a default removed so to get 3 of them removed would be a challenge indeed. Sorry if this is not what you want to hear but it is a difficult process. I have successfully managed to get a default removed from a Payday loan company - I was in the right and the default should never have been applied - this took me 18 months and weekly phone calls etc. As stated this is for a default that shouldn't have even been on there, if the company believes it to be correct then i am afraid it will remain for 6 years. I have been left unable to get a mortgage as I have one remaining default for the amount of £110!!!! I cannot get this removed no matter what I do and I have now exhausted all avenues. I wish you better luck than me....... please keep us updated.

I know people say not to but I contacted these by telecom and never had a problems with them. When you call them play their trick and inform them you are recording the call - trust me they will watch what they say and help you. When you speak with them tell them you will make monthly payments by bank transfer (DO NOT give them your card details). Tell them you will make the payments on a set day of every month on time as long as no interest is added and the account is frozen. I seriously found these to be the easiest, along with Lending Stream, to arrange a plan with. Just be polite but stick to your offer, they do try to raise it slightly so if your intention is to make a £30 a month payment offer £20 - 25, that way when you offer slightly more it looks like you are trying your best. Also tell them you will call to review the account every 3/6 months - I did this and just increased the payment amount I pay them by £5 every 3 months. Good Luck

Can I just say and as per my previous posts Payday Express will now register defaults on your credit file even if you set up a payment plan with them. Please dont assume that because you are in a payment plan you will get away with the default being registered on your credit file as you won't. I had been paying Payday Express for over 12 months before the default was registered on my account - and they stay there for 6 years making it difficult to obtain credit. I did manage to get my default removed but it was a long difficult process (6 months of constant negotiation / arguments). Good luck to you all if you go down this route but in my experience it wont be easy - Payday Express are a nightmare.

UPDATE - taken a while but here is the update. Just received an e-mail from Payday Express confirming that once I make full and final settlement of the account at the end of February the default will be removed in total from my credit file. I have it in black and white from payday Express and a copy has just been sent to my solicitor for info just in case.It just shows it can be done - this is great for me as my credit file will be clean of defaults and all other payments are on time and for once I don't have to worry about having a negative credit file. A good result for once for me and i hope the same happens to all others out there in the same sitiation. I just hope they stick to their word but as I have it in writing it will help should the worst happen.

Interesting article on Sky News webpage at the moment regarding these types of loans - would appear these loan companies are expecting to be very busy over the coming weeks. Shame they didn't comment about the underhand tactics they go on to use should one default.

I have been in the payment plan with them since Jun 10. I have made every payment on time never a minute late and despite them sending me the letter when I arranged the payment plan stating that as long as payments were made no further interest would be added and no default action would happen they went ahead and defaulted me 3 weeks (ish) ago dated back to Jun 10. I don't know if this in itself gives me a right to query it with the credit agencies as I was under the impression they had to register them within a certain timescale although technically I guess the date of the default is correct. I am just annoyed as they stated in their letters I wouldn't be defaulted if I maintained payments but now they won't budge on removing it - well they can go £$%^$"£^%&$&" if they think I will be making payments as arranged now. On a plus note and believe me I really don't like this company I have to say in their favour that with me they were really good sorting out the payment plan in this first place and I never got any hassles off them - just a shame this good point was spoilt with the default as I don't often find things good to say about them.

First £1 payment made on the 1st Dec and no phone calls or contact as yet. Lol. Lets see what happens. I wonder when they realise that I will still be paying them at this rate in 15 or so years time. Ha ha.

Thanks Brigadier - I have a payday loan at the moment which has a registered default of last June - I am currently making monthly payments on this with the view to settle it in 6 months time in total. If I continue this and it is settled will it remain on my file for 6 years from default date or will it then be 6 years from the date of last payment which will effectively settle the loan. If its from last payment date I might as well not bother paying anymore as I am just extending the date every time I do.

This totally contradicts what I have been told on this site - I have been told that defaults go 6 years from the registered default date, not the last financial tranasction date. If so that means I now have a default registered for another 3 years instead of 18 months as I have made a payment after the default was posted on one of my accounts. This is really annoying now as I am getting loads of contradicting information - does anyone actually know the correct answer.

I can confirm that the 6 year expiry for defaults is from the date of default not the date of settlement. If you default say Jun 2011 the default should disappear in Jun 2017. Creditors should register the default quickly - it is not acceptable for them to register a default say 1 year after defaulting but they have been known to do this so check the dates carefully.

I have noticed on a couple of my Payday Loan terms and conditions that they put a clause on there about them being able to collect any due payments from any means supplied to them. I don't know if its legal for them to do it this way and it seems very sneaky to me that they have taken your new card details from a new application. I wonder if the companies share data too - some Payday Loan companies go under more than one name so I wonder if for example you had outstanding money with one would they pick up your details from a new application made with another under a different trading name. This could be another sneaky method of obtaining details, wouldn't put anything past these types of companies.

Isn't it a great feeling to know that the payment you have just made is the last one you will be making to them and that the account is settled. Its a great relief to know they can't keep bothering you anymore. I personally love the moment I delete a creditor from my online banking payment screen. Well done.

Believe me I am not trying to scare people into paying Payday Express first - I hate this company with a passion due to my ongoing saga with them. I am just wanting to make people aware that they are defaulting people even when payment plans are arranged. I have had numerous payday loans in the past with a lot of different companies and (I guess luckily) Payday Express are the only ones who have defaulted me. I just didn't want people to get the same suprise I got when checking my credit file. Regards