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foxyflugel

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About foxyflugel

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  1. Thanks for your replies. I appreciate the view on the claim being after the exclusion period, however, the vets were aware that teeth/gums were excluded and she knew she would be covering the extractions. My sister has actually paid all the bill as the vets don't do direct claims with Animal Friends. It has not helped matters as the vets submitted the full claim on the first claim form - extractions ..everything! The vet also sent in a letter of support in December 2016 - which when she spoke to AF they claimed not to have received. The vets sent her a copy and submitted it again to AF. I believe she is writing a formal letter to the vets requesting their proposals on how to rectify the matter. I suppose we will have to see what happens.???? Foxy
  2. Thanks for your reply UncleBulgaria The policy was taken out on 21st June 2016 - 14 days exclusion period - Animal friends . Yes she did have another policy for her other cat (for about 2 years) but cancelled it and went elsewhere on principal when this happened. She contacted the vets the day previous to taking him in when she noticed he was dropping his food. His first visit was the 8th July 2016. He is around 8 years old I think - she took him in from being a stray - neighbours moved and left him - but she knew him from a kitten so this is why she knows his age. He showed no symptoms previous to her calling the vets. The vets have automatically invalidated the claim by writing the wrong information on the claim form though - should she pursue them for the money?? Where does she stand? Thanks Foxy
  3. Hi Bankfodder I did edit my post into paragraphs but it doesn't appear to have worked! I will try again. Edited to add - the edit post option doesn't appear to be available for my original post?? Thanks Foxy
  4. Hi all… .I need advice on a pet insurance claim matter….apologies for the long post. My sister took her cat to the vets (July 2016) when he started dropping his food …this was a few weeks after she had insured him initially ….but a couple of days after she noticed the problem. The vets said he had lumps on the inside of his cheeks but his teeth and gums were fine. They gave him a course of antibiotics. These had little effect so she took him back a week later. The vets then said that he most probably had an immune system condition whereby they ‘reject’ their own teeth and that they wanted to do biopsies on the cheek lumps. A week later she took him into the vets for the recommended biopsies and they also mentioned that he may need to have several teeth extracted as a long term solution. She was aware and advised the vets that the insurance did not cover teeth and gums so she would have to pay for the extractions etc. She paid the bill and submitted the claim form via the vets. She received a letter from the insurance company refusing the claim and after enquiring she discovered the vets had submitted all the bill – including extractions! The insurance company said to submit another claim form – so she did – minus anything to do with teeth etc. It was then refused again as the vets had stated the condition as Gingivastomatitis – ie gums? The insurance company then said to submit another claim omitting anything mentioning Gingiva – so ‘stomatitis’ – an immune system problem…which her vets did. They refused it again – even though the vet had submitted a letter in support of her claim. She took it through their complaints procedure ...which took several weeks ...and they refused it again – for the previous reasons – stating that it was teeth and gums – but also the vets have stated on a question which asks when the owner first noticed symptoms – 7 days – which takes it into the exclusion period. She has spoken to the vets and clearly they have misunderstood/made an error in stating this… .the person who deals with the insurance claims confirmed that nowhere in the notes does it state 7 days… possibly the vet has stated the timeframe between initial consultation and subsequent consultation?? The question on the claim form clearly states "how long before seeing the pet did the owner state they noticed symptoms?" - to which they have written a 7 in the box - but failed to complete the date box at the side of it. Where does this leave her now? - as if she escalates it to the ombudsman – the vets have automatically invalidated the claim by stating this. Every time she calls the vets she isn't getting any answers/action. The lady who deals with insurance claims was on holiday for 2 weeks then the vet who completed the claim form is now on holiday for 2 weeks. I was discussing with her the possibility of sending an official complaints letter to the vets - in order for it to be formally recorded - as all discussions have taken place verbally so far. Additionally, maybe looking at holding the vets responsible for voiding the claim? (without the teeth/gums matter) - and seeking recompense from them? Any thoughts would be most welcome. Thanks Foxy
  5. Hi everyone My cat had to go into the vets for an op and the insurance company have declined the claim. I took him to the vet as he was having trouble eating - dropping food etc. They said his teeth were ok and his gums looked fine but he did have two lumps - one on the inside of either cheek - which he was subsequently biting on. They gave him some painkiller and antibiotic and said to bring him back if that did not work. I took him back as it worked for a couple of days and then he regressed. The vet (another vet) said that the best course of action was to have him in and do a biopsy on the lumps - with possible removal of teeth as they could sometimes be the cause (they develop a reaction to their own teeth). I mentioned to the vet that teeth and gums were not covered on his insurance and she said it would be fine as the lumps were in his cheeks - and I would need to pay for the teeth extractions - to which I agreed. She reassured me that they dealt with a lot of insurance companies and this would be fine. She gave me an itemised estimate of treatment which was over £900. (on the estimate it says the reason is oral mass biopsy (=/- extractions) On the morning of the op I took him in and it said that he was in for a dental - which I questioned - and they said it was classed as a dental as they used the dental machine. When I collected him - they had taken a biopsy of the cheek lumps and also one from his tongue - when I questioned this the vet said it was done because it didn't look right - and also did blood tests for feline HIV and another one that mentioned gingivitis - when I questioned this (gum exclusion??) she said it was just the wording of that blood test. Apparently the dental machine broke down and they could only take half of his teeth out - they were gong to take them all out. I settled all the bill via my credit card and gave my claim form to the vets. All the biopsies and blood tests were clear. After 3.5 weeks of chasing they finally submitted it and it had been declined by my insurance as the vets have stated the reason is stomatitis. This was never mentioned to me and having looked into it - stomatitis IS an immune reaction where they start to reject their own teeth. My thinking is that 1) His teeth were not neglected/had a massive tartar build up - as confirmed by the vet 2) his gums were fine - as confirmed by the vet - he went in initially for the lumps inside his cheeks - NOT on his gums. They also charged me £72 for a dental!! - which I had pointed out that morning that he was not in for a dental! (and it was not on the initial estimate) He only has his 4 fangs and small front teeth remaining - and they charged £72 to clean these? Or they did them all - knowing they were going to pull all his molars out (until the machine broke down). Someone from the insurance company is meant to be calling me back today - and also the insurance person from the vets is going to be calling me back today - neither have called yet. Views on where I stand on this would be appreciated please guys. Thanks Foxy
  6. Hi all I took N Power to Ofgem at the end of last year as they were not addressing my complaint - mainly that they kept saying that the block on my account had been removed (when it hadn't) and I was unable to transfer to another provider. .due to arrears. .that were their fault as they had failed to claim my direct debit for 5 months one year and 7 months the next!! (new systems apparently). they were told they had to provide me with statements (which mean nothing as they do not detail anything!!) and also allow me to set up a payment plan to move the electric from them (gas already moved). I have been chasing this for the last 4 months (constantly ringing to be given varying excuses as to why it can't be done at that time) to no avail. I have received varying bills - both of which (gas and elec) were in arrears. I have referred this to the complaints team and they are not much better tbh! apparently I am in credit by over £100 on my gas. I was told today that I am not getting a refund as I am in arrears on my electricity account and they will transfer this money to that. Are they able to do this?? I'm confused as:- 1/ they claim it is still a 'dual fuel' account on the same account number we have always had. 2/ They have not been supplying gas for well over 6 months - so therefore it is (or should not be) a dual fuel account!! Initially, I was advised that they would have to split the accounts as we were no longer with them for gas, Now, this has changed - conveniently as the gas account has a credit on it. Where do I stand please? as I feel they are just making it up as they go along to suit them. Thanks in advance. Foxy
  7. Thanks for your reply. They are all devastated. He spoke to the vet who said initially she died from shock and then said from blood loss..which we both know are one and the same really. He has collected her and is having a post mortem carried out by another vet. He has also got the report off the vet which mentions hospitalising her..Btw. ..this is not a service this practice offers as it is one vet (owner) and no vet nurses! He has applied a pressure bandage?? For a haematoma that he states had grown later! He will know more when the pm report is completed. Thanks Foxy
  8. Hi My relative took his dog in to be speyed and she died after being left to (internally) bleed to death after the locum vet agreed to hospitalize her and then went out on a visit leaving her unattended. Thanks Foxy
  9. Hi all Can anyone recommend a good solicitor who specialises in vet negligence claims? Thanks Foxy
  10. Thanks for your replies Dotty and dx - I will get the defence done tonight, signed and scan and email it to the court tomorrow. Foxy
  11. Hi guys I am dealing with this on behalf of my sibling. She received a court claim from the above. I helped her do her AOS and she sent a CPR 31.14 request off to Restons (solicitors) and a CCA request off to AG. Replies came and AG stated that they sent the cheque back but would send the agreement blah blah. Restons said, basically, that she is not entitled to see the documents and they would neither supply them or give her an extension to her defence deadline. They did not, however, mention the usual - because it will be allocated to the small claims CPR 31 does not apply - they have point blanked refused. She sent them an email on Monday pointing out the pre-action protocol and Rubin v whoever (?minds gone blank) case law and they still have failed to reply. The defence deadline is 3rd Oct. So what should she do? Apply for an 'unless' order or put a defence in highlighting their failure to follow pre-action protocol? Thoughts and opinions/experience needed please. PS. On the POCs it states, - contract - assigned to AG on or about xxxx date and also states a 'default' balance but nothing about a default notice!! Thanks in advance. Foxy
  12. Thanks everyone. Caro - that is true and CAG is an extremely useful place for support, opinions and guidance on dealing with these vultures and my thanks go, as always, to the caggers that helped me on the way. My half of costs were very minimal, they wanted us both to stand our own costs at first and then negotiated to pay half (well, just over half actually ). Foxy
  13. Hi everyone. Decided to negotiate with **** - they accepted this (said about a Consent Order) and my sis filled in the form and sent it back with her proposed payment of £1pm. She spoke to NDH and they talked her through all her options. The woman @ **** solicitors said to send everything through to her which my sis did. She has then received a letter saying they want £20 a month or they are taking it to court. She called them but the solicitor is on hols until next Wednesday. What total and utter a***holes.
  14. Hi everyone Just a quick update on my thread. Cabot have dropped the case as expected/hoped within a matter of 10 days of my passing it to a solicitor. Not only that, they are paying half of my costs. Result. Thanks
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