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    • At least you got it over with.  Just wait for the court order to come so we can see what the judge has put,  but you will have to start making payments in line with his order from whatever date is on it.    
    • No direct answer for you I am afraid but their actions are surprising. Although banks can and do question unexpected large payments into bank accounts (large relative to what usually comes in) you wouldn't expect a payment from HMRC to be considered a suspicious transaction under money-laundering rules. And you've done the right thing, gone into branch with ID and proof of the source of the payment. Hopefully they will soon unfreeze your account.Sady in all banks local managers have virtually no say in what happens, it's all down to head office fraud and money laundering team.   Their suggestion that student accounts don't allow you to work is surely nonsense. The requirement in their t&c is that you must be on a full time course, not that you can't work as well. Their t&c say " You must be aged 18 or over and studying on a full-time UCAS registered course of two or more  years’ duration...". Nothing in the t&c about not being allowed to work as well, they made it up. It would be a strange student a/c that said you couldn't work ever - Nationwide must know  that most students need to take part-time/holiday jobs to pay their way through university (and have done for as long as student accounts have existed - at least 50 years!)
    • but no judgements yet..urm… think about it..
    • I could never thank you enough Ell-enn - And would never have been able to get through this without your help, support & guidance... Thank you so so much!   I found it all quite traumatic and distressing today - I managed to make myself look somewhat presentable for court and tried to stay as positive as I could, but had a pretty bad panic attack and broke down crying on the way to court, which melted my make-up and I felt very dizzy and unwell. The security staff were helpful and a lady appeared at desk in waiting room (usher I think) and told me that the rep for other side had been there all day, but had popped out for lunch. She said when he gets back he may want to talk to me. I felt like I was going to projectile vomit all over the waiting room. My head started pounding with a severe headache and I was worried I might pass out. He waltzed into the waiting room and stood towering over me at over 6 foot, but only looked about 12 years old.... Very cocky and stood too closely in my personal space. He told me to follow him into a private room for conference and I refused and told him I would prefer for the judge to decide.    Shortly after we were called into the judge. I don't recall his name but I don't think it was the same judge who issued the original possession order and he looked a little bit like Judge Rinder. I broke down crying again soon after sitting down and had to apologise to the judge, who seemed sympathetic. I felt so unwell, embarrassed and humiliated. I then had a panic attack during the hearing and was struggling to breathe - I must have looked such a state.    The judge asked what date the eviction was due to happen (Monday) and then asked me if I had any offers on the house yet and spoke to me briefly, but I could barely speak due to crying. He asked me about my expected return to work and I said I had suffered a nervous breakdown and wanted to be able to get back to work as soon as possible, that my GP had singed me off sick until mid-August and that I was currently on several medications which also affect my ability to work. He asked me if I wanted to say anything else and there was so much I felt I could have put across better, but just didn't feel able to and couldn't think clearly, so said no.   The judge said to the rep for Britannia that he felt concerned about this, but not sure exactly what he meant by that and then the other side stated they had clear instructions to take possession, that I had only paid them £10 and disagreed with my proposal to sell the property myself. The judge asked him if my offer of £50 towards arrears fell in line with Norgan case and the other side said yes. The rep stated that whatever it is I do for a living, my proposals could not be taken into account, as I had no proof or indication of my current income/expenditure.   The judge then came back to me and said he wouldn't be able to agree to more time for property to sell, but would have been able to do more if I had an offer in place / sale agreed. He asked me about my work and for a clearer indication of when I would be able to resume payments / pay a monthly amount towards the arrears. I said that I also had a spinal injury & had had surgery on my spine a few years ago and it was due to complications from that that I had initially been unable to work & fell into arrears and then went on to say that it was Britannias' actions that had caused my breakdown and he did snap at me a bit then and told me he didn't want to hear what Britannia had done, so I apologised. He asked me again when I thought I would be able to resume payments and I asked if September would be ok. I was shaking and having a pretty bad panic attack at that point.    The rep from other side then jumped in and said she needs to pay us straight away, and the judge then stated that he would make an order for me to make repayments from August and suspend the order on those terms. He said if I fell into difficulties again we would be back here again and said that they may be able to help me again if that happened. He asked if that was ok for me and I felt pressured to agree as I didn't feel able to do any other.... I am now now worried about my ability to do this, but obviously relieved at the same time. I think the rep for the other side was a bit p**sed off... He was quite ignorant and I feel traumatised...I feel sorry for the judge having to see me in state like that.   As soon as we had left the room the rep came right up behind me calling my name and told me he needed my updated phone number so that he could contact me. He looked a little bit psychopathic at that point and I told him I didn't want to speak to him and walked off.... I was so dazed I went in the wrong direction when I left the court building and it wasn't until I looked in mirror later that I realised I had tissue paper stuck all over my face from where I had been drying my tears... I HATE Britannia for making me go through that, especially under such poor health.... Which they have caused me!   Thank you again so much for all of your kind wishes and assistance - Especially Ell-enn, as without your help I would be facing Bailiff eviction next week - And still won't sleep until that time has passed.... xx         
    • Just thought I would update, Unite the union have now intervened although initially at a low level.   They have contacted HR at the firm asking them to deal with it in order to stop Unite getting involved
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Non-reveiwable exclusion to be placed on new pet insurance policy

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Morning All,

 

 

I recently applied for a new pet insurance policy for a new dog and after a lot of chasing the company for an answer I have finally received a very poorly worded letter from them advising 'the cover will be limited to accidental external damage only'!

 

 

They then go on to say 'this exclusion is non-reviewable as this condition can affect many systems and is unpredictable'.

 

 

The condition is called Rickettsia and the dog contracted it in Spain as a result of being bitten by a Tick most likely. When the dog came to us we took him to our vet for a full check-up and our vet contacted Defra for some advice. They came back and advised that they were not in the least bit concerned with the condition and as a result our vet advised he is good condition and unless we are concerned by anything he would see us for our next scheduled check-up in approximately 6 months time.

 

 

I am going to contact our vet and ask his opinion on the insurers stance but before I do I was wondering if anyone with any experience in this filed had an opinion please?

 

 

Does anyone think this could be deemed unfair as I fully expected and exclusion to be placed on an issued policy with to Rickettsia and any RELATED condition but not a blanket exclusion for any illness at all?

 

 

Thanks in advance.

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I've just googled it (as you do) and PetMD.com has a reasonable description of the disease including the following -

Most dogs recover well with prompt and appropriate therapy. Some dogs clinically recover but the infection is not entirely eradicated, remaining in the body and sometimes returning at a later time

http://www.petmd.com/dog/conditions/infectious-parasitic/c_dg_ehrlichiosis

 

Seems it can be a pretty unpleasant disease in the chronic stage with a wide range of symptoms. What the insurers seem to be saying is that any future illness 'may' be related to this pre-existing condition so they can't provide cover for illness but will for accident.

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Thanks Hightail - funnily enough I saw that website as well. It's a difficult one as I get where the insurers are coming from after reading up on the condition however I think they could be a bit more accommodating with regard to the nature of the exclusion. I was up front when applying for the cover and mentioned the condition - not sure where I would stand if applied else where....

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I would discuss it with your vet first. You say your dog is having another check up in six months so it could be that there will come a time when a vet can say conclusively this has been completely eradicated from your dog's system. I honestly don't know but maybe two clear PCR tests six months apart would do?? There is a chance that the insurer is working from out of date information which predates the availability of such precise testing.

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I spoke to a lady from the insurers who was very nice but to be fair was trying to 'wing it' and she advised that because this condition is so rare in the UK that they do not have enough data to refer to hence the reason for the blanket exclusion - again it appears to be a rather rash decision on their part. Will email my vet with a copy of the letter and see what he thinks.

 

Thanks for your input , much appreciated :)

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I emailed a copy of the letter to my vet and he kindly came back and advised that he thinks that their exclusion is very wide ranging. He also went on to say that there was no evidence that the dog has had or currently has any clinical Rickettsial disease - just that he had been exposed to it at some point before we got him. Based on this I sent a lengthy email to the Insurer and they said they would look into my 'complaint' and come back to me - will see what happens.

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But it is a risk and the insurance company are not prepared to accept that risk. That's their choice. Have you tried another insurance company?

 

You may find they change their mind on the back of the complaint, but its very unlikely. I would check a few other companies and get some quotes.

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Fair point regarding risk and their choice - I understand that. I have managed to get some other quotes however the level of cover is not as good. Suppose its weighing up whether the level of cover needs to be that good I guess as he may never need to have treatment for anything - may go through life as 'fit as a butchers' dog' as they say or he may be a sickly dog (hope not obviously).

 

 

I would expect an exclusion for the condition itself and anything related - to place a blanket exclusion for all illnesses though is a bit much for them to justify in my opinion without sound evidence to back up that decision. The FCA do bang on about 'TCF' and all that but in practice...

 

 

I guess I am being a bit stubborn about this as I was annoyed at how long they took to come to a decision.

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Which company is it with the blanket exclusion on illness? I think on balance I'd rather go for the limited accident cover with a good company than supposedly having illness cover with one which doesn't have a great reputation for paying out. The really expensive urgent things tend to be broken bones from accidents, long term illness is something you can make more measured decisions about. The upside of the accident only cover is that there's no need to take out a lifetime policy so premiums will be cheaper.

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It is Sainsbury's which is underwritten by Allianz.

 

You make a good argument to be fair and I am grateful for your input. Will wait and see what they come back with but will keep in mind what you have said - thank you. :)

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Kind of you to say so. I don't think there's a right answer, just making the best of a very unusual situation. Whoever you choose to insure with it's important you check they aren't charging a full premium if they aren't giving you full cover. Do an online quote with a few of the bigger names without any pre-existing condition to get an idea of the premiums for complete cover. Treatment for accidents is often very costly but I'll bet most payouts are for illness and your premiums should reflect this.

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13/03/2017....I have the exact same problem as described above....I'm with Petplan, and they too are underwritten by Allianz.....could you give an update to help me please ? Did you try the Financial Ombudsman ? Did you find a company that would provide cover to a dog , (like yours rescued from Spain 0, which has been treated for Ricketsia. Thanks in advance.

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