Well, what can I say? I am having identical problems with Carpenters. A clerk at carpenters advises you to settle even before your treatment has been completed. The claim was not fully documented, as it seems a lot of expenses ignored and/or not detailed. They say to reject settlement offer, and then detail exact same figure as a counter offer. They are even claiming that the 3rd party is disputing documented treatment fees, is this allowable ? Surely they are a legitimate and necessary expense, as dictated by the Doctor ? I now have additional injuries that did not show until 4 months later and they are telling me to settle otherwise the court time will run out. What court time, who made a time limit on an ongoing claim, even though the initial 3rd party offer was rejected ? No real advice in my interest has been received from Carpenters. Watch this space for further information.