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    • Before you start this claim you need to have a lot more confidence in what you're doing which means that you need to understand the way forward in the principles involved more thoroughly. We will help you and you will probably get your money back but this is a self empowerment forum and so you have to do your bit as well. Please will you spend at least the next couple of days reading through the stories on this sub- forum. Try to understand them thoroughly. We have lots of stories very similar to yours but even those which are not similar, have principles in them which apply. In particular you need to read and understand the information in the pinned topics at the top of the sub- forum. I know that you have been reading around here for the past couple of hours but it needs a lot more. You aren't in a huge hurry. Wait a few days before sending a letter of claim and also that needs some amendment as well. Come back here when you've done your reading and then we will have a look at your letter of claim and help you to refine it Also, please tell us the value of the laptop. Was it properly declared as a laptop – and was the value properly declared
    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
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    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
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petguard insurance problem ** RESOLVED SUCCESSFULLY **


TINK660
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Although not connected to the insurance, Animal Friends has at least one very misleading statement on its site. Whereas I applaud its attempts to be a mine of information on buying pedigree animals, I'd prefer the authors researched the subject properly.

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Hi Hightail,

 

We are in the process of implementing a new structure to our blogging making it more insurance focused as well as looking for professional pet bloggers to write guest posts on a more regular basis.

 

Thank you for your feedback.

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Animal Friends,

With all due respect could you please leave this thread open to the subject it was created for, that being the non-renewal of lifetime policies by Petguard and not hikack it to sell your own insurance.

Thanks

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Hi TINK660,

 

We have no intention to Hi-jack the thread, we were simply responding to a direct question about our pet insurance and our company. We hope that your situation with Petguard is resolved favourably and swiftly, if you need any advice please feel free to contact us directly.

 

Kind regards,

 

Animal Friends

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I received the dreaded letter today (or I should say two identical letters sent in two separate envelopes - what a waste!) informing me that my dog will no longer be insured from the expiry date of my current policy.

 

Lots of use of the word "regret" but that is very little consolation.

 

The letter says that their efforts to find another insurer have been unsuccessful, so does this mean that Petguard are pulling out of pet insurance altogether?

 

I still do not understand why their parent company Thistle Insurance Services Limited cannot step into the breach.

 

I will probably write to them, but know it won't do any good. Is it advisable to contact the Ombudsman before or after writing to Petguard?

 

I

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Thistle Insurance do not sell insurance directly to the public.....

The have products for SME (small,Medium businesses).

Ie no advertising but they get their business from brokers.....

 

Hope that answers your question.

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Have just trawled through the Petguard booket and under General Conditions, point 8 it says, quote:

 

"We may cancel this insurance at any time by sending you 7 days notice"

 

So I suppose they have got themselves well covered then by that little sentence:-x

 

I have spent the whole afternoon getting quotes from other insurers, but of course none will cover the existing condition.

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melbury, I contacted the Financial Ombudsman by ringing them after I received the first letter from Petguard just to ask their advice, they informed me that they though it was something they could look into, took some details and sent out the completed complaint form for my son to sign so that they had it on record, you then need a final decision letter from petguard for the FO to continue. But they will already have written to Petguard themselves and the ball is already rolling. We have to all pull together on this one as we have all been wronged by this action. Good luck, mine is already with the FO and I will keep you updated as and when I know more.

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Just to say that today I have posted off a letter of complaint to the Managing Director of JLT Online and copied it to both Thistle Insurance and NIG. I have also spoken to the Ombudsman and set a complaint in motion through them, so they will also be writing on my behalf.

 

I doubt very much if it will get me anywhere, but just had to get it off my chest!

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good for you - good luck, mine has been with the ombudsman for about 6 weeks now. Will let you know as and when I hear anything.

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Hi, I got my reply from Petguard today advising me to contact Thistle and then the ombudsman. I don't wan't to contact Thistle if I can go straight to the ombudsman can I do this?

Also, having five saint bernards insured with Petguard of which three of thems runs out on the 18th, can I legally cancel my policy with the other two as I don't want to keep them with the company in case something happens to them? Does anyone know if this is legal?

Thanks about the "7 days to cancel" bit, I have been trawling through online policy booklet and couldnt find anything.

Like you say, the more that complain the better. Have put it on Facebook and had a few people who havent yet had "The Letter", so the more we put it on forums etc the more people will gather hopefully.

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Has anyone else noticed that they have now changed the message on their website - it now says "We're making changes" - too damn right they are, not insuring their current customers, that's a very big change!

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I have cancelled everything now, reinsured with a mix of animal friends and axa, thought spread it around a bit. Reading the smallprint on insurance companies generally, they do have the right to cancel. However, I still have a problem with paying more for so called "Lifetime Insurance" It can't be right!!!

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Hi All,

Got my letter from the Ombudsman advising me that there is quite a wait for a reply due to a backlog of complaints generally.

My complaint is that it states "Lifetime" as do all other insurers... Lifetime should mean that, shouldn't it? Why else would we pay extra? This is about ALL insurers, and from what I have read can happen in any company.

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Hi, I have only discovered the problem with Pet Guard today when asking for claim form. I too took out a 'lifetime' policy for my 8 month old wiemaraner last January. She had taken ill and had emergency operation as Vet thought she may had a blocked passage due she may have eaten something. But it wasn't that, just seriously inflamed guts and pancreas. So put her on some broad antibiotics which she recovered fully from. As I am paying them monthly at 'lifetime' policy price, thinking I should cancel the DD and jump the ship and insure her with AXA as they do offer better lifetime insurance and bit cheaper too. The only problem as her illness is just one off not a long term condition... will AXA use it to avoid paying out any condition to do with her stomach area may arise in the future?

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The thing I am wondering about is:

 

If Petguards underwriters ceased to provide lifetime cover a while ago now, how are they continuing to cover peoples pets up until their renewal date? As far as I can gather from their website NIG ceased to provide this cover in August last year.

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Further to my complaint to Petguard, have received a "sorry for your complaint and we don't know what went wrong with autorenewal" reply with the advice if I'm still unhappy to write to Thistle. I did this last week so await a reply before going to Ombudsman. I distinctly get the feeling that although I didn't get the letter stating Petguard wouldn't reinsure, that this was the reason behind the policy not autorenewing as it had in the past. My other policy autorenewed but that policy covers a cat for which we have never claimed.

 

After reading the responses on here from Animal Friends, they were a company I was looking at to switch both my cats to but I don't think I will now. Their responses really sit uneasily with me so if they were touting for business (and I'm not saying they were) it has backfired!

 

Good luck to us all in at least collectively obtaining a reprimand from the FO for the way Petguard have run their business.

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I still dont understand how ANY of the insurance companies can claim to cover for "Life" when they can cancel at the drop of a hat. We have some dogs who we know aren't covered and others who it doesn't matter as they has no pre-existing condition. This has messed us up cover wise and speaking to lots of other people who have young dogs on expensive treatment that will cease on the end of the policy date. It is the point that they refer to this cover as LIFETIME that gets me grrrrr,

The more people that bombard the Financial Ombudsman the better, and somone on here suggested Watchdog and Martin Lewis, bet they will take it up!

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I too have a dog that has been impacted by this. His insurance was cancelled in March - I had the same letter as all of you - and my insurance was the so-called "lifetime" insurance too. I feel particularly aggrieved as I had researched the co and when I saw that the underwriters were NIG, a company I had used for years, was very happy that they were a reliable reputable insurance co.....

 

Currently my dog is no longer insured which causes me all sorts of worry but I don;t think it is worth insuring as he had a broken back leg (broken by kennels) and as a result of being left untreated for a week now has Inflammatory Bowel Disease - so I am guessing apart from an accident insurers would be able to link most things to one or the other

 

Do you think I am out of time for putting in a complaint to Petguard and the Financial Ombudsman? I would love to have the policy reinstated but really don;t think that this will happen - as lifetime policies are a series of one year policies.....

 

Eve

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Hi,

 

Our problem is this:-

 

Almost a year ago my son took out insurance for his dog with petguard and specifically took out a "cover for life" policy which covers your pet for any condition for life, unlike other insurances which will cover a specific condition for one year or a certain cost limit and then that condition is no longer insured.

 

 

 

During this year he found out that his dog has an ongoing skin condition which is currently being treated.

 

 

 

He has just received a letter from petguard stating that the underwriters (NIG) have decided to cease to provide this type of cover and they have been unable to find an alternative insurer therefore his dog will no longer be covered and he should seek alternative insurance himself.

 

 

 

We feel this is unfair as he will no longer be able to insure his dog for the condition he is being treated for as no insurer will insure him for an existing condition. NIG have in our opinion not upheld their obligations in that they have not provided the cover for life that he required. He would have been better off insuring the dog for less because he has only been covered for 12 months not life.

 

 

 

We feel that even if NIG have decided to cease this type of cover they should be honouring existing policies that already have this cover.

 

 

 

Can anyone advise whether this is an unacceptable practice and whether they are allowed to do this.

 

 

 

Many thanks

 

 

 

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I also have this problem I received a letter today telling me the exact same thing that they can't renew my policy which I've found extremely suspitious as I only put a claim in for my dog ten days ago as he became really poorly and we found out he had diabetes and as you know this is s life long condition which he should of been covered for , my insurance is up for renewal next month who is gonna insure him now he only got this condition last month , it seems way to convenient that soon as they find out your pet has a life long condition they get rid of you as soon as your renewal is up how disgraceful is this insurance company any help on this would be great ..

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I got a reply from JLT Online in response to my letter of complaint - basically just saying sorry but not our fault, the underwriters decided that pet insurance was not a viable proposition.

 

I had also copied the letter to NIG and Thistle, but am not holding my breath about getting a reply!

 

I have now taken out a new policy with More Than, but of course that will not cover his existing condition, which being only 4 years old is probably the only thing that is going to cause problems.

 

Happy days!

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Hi Paulmark,

 

You would be able to get insurance with another company, but they just won't cover any pre-existing conditions.

 

It is a real worry isn't it, you think you have done the right thing getting lifetime cover and then something like this happens and you are just cut adrift having to face paying the bills yourself.

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