Jump to content


  • Tweets

  • Posts

    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue). 4.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).  4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.  3.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses these documents.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. No Breach of Contract  6.1      No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Travel insurance won't pay out - say condition was pre-existing


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2722 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi All,

 

Semi long story - please bear with me.

 

Booked a holiday this year for August.

went away.

 

 

4 days later we found out that my FIL had been rushed to hospital!

my husband frantically got his stuff together and he booked the first available flight home,

 

 

(could not afford to bring us all back early

- we had called the travel insurance co and they said it was quicker to book it oursleves rather than make the claim then as they would need medical certs etc)

approx an hour after booking the flight we found out that he had passed away.

 

His death cert states he died from (a) Respiratory Failure (b) Chronic Obstructive Pulmonary Disease.

 

husband goes home and begins organising the funeral.

 

I return with children 19 days later.

funeral was shortly after that and we did not complete the forms straight away as we had a lot on.

 

we finally complete the form

send it to the doctors to complete their section.

 

 

they took 2 weeks to do that

return to me

I attached all the proof of cost of the holiday and cost of the flight back etc.

 

I called the travel insurance comapny approx 2 weeks later

they say that they have had to send another doctors form to the doctors as they had missed a section

(they hadn't actually missed it completely

they had put lines through it

- saying that it was N/A)

 

 

when I looked it over I thought that it was completed ok.

 

 

there was no diagnosis of any Chronic Obstructive Pulmonary Disease,

we would not have gone away if we had known he was serously ill.

 

The question in full was this.............

 

Has the patient EVER suffered from the follwing medical conditions?

if yes please provide details and dates

 

Any Cardiac or circulatory conditions?

Any respiratroy condtions?

Any type of diabetes?

Hypertension?

Stroke?

Any type of Cancer?

 

........................................

 

He had been a smoker all his life and had a classic smokers cough but we put that down to him being a heavy smoker.

 

We declared that My MIL who came with us on the trip had had cancer before so we have not lied or wthheld any information from them.

 

As far as we were concerned there was problem apart from a bit of a bad cough!

 

This was the travel insurance company decsion ............................

 

We note from the claims information submitted that the reason provided for curtailment was due to your Father who was critically ill in Hospital who unfortunately passed away.

 

 

We note from the death certificate that he unfortunately passed away due to pre-existing conditions which are shown on the Medical Certificate. (there was nothing on the first one the doctor filled out!)

 

Please be aware that the policy purchased is unable to provide for claims that are caused by a known pre-existing condition of a close relative who is not insured by us.

 

 

The policy defines pre-existing medical condition as any serious or recurring medical condition which has been previously diagnosed or been investigated or treated in any way at any time prior to travel, even if this conditio0n is currently considered to be stable and under control.

 

We must follow the terms of the Policy and therefore we are unable to consider any payment on your claim.

 

We appreciate this is not the outcome you would have hoped and we are sorry that we cannot assist you with a more positive response.

..............................................

 

I never saw the second form that was completed by the doctor

I don't know if they have put something else in the above section now,

 

 

I feel its wrong that they re-sent it,

I don't know

the holiday was not cheap and I feel this is very unfair.

he missed the whole holiday and we were honest.

 

Any advise

Link to post
Share on other sites

  • Replies 64
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Write back and ask for your insurance money back stating that clearly the terms and conditions were impossible for you to claim on and therefore it was mis-sold.

 

I would use their own wording back at them - especially the phrase 'this is not the outcome you hoped for...' use that as your opening line and go from there.

 

They clearly are trying it on, as most insurance companies like to do.

Link to post
Share on other sites

Hi Sillygirl,

premium was about £48 I think

so not really covering what we';ve lost

- holiday was over £5,000 (all inclusive 5 people!)

I had calculated about £800 or so was what we should have got back :-(

 

Like I said

we had no idea he had any kind of illness! -

we had declared that his mum had cancer approx 8-9 years ago

- so we were completely honest.

 

I wonder if I can see both medical certs from the doctor, I feel like I'm being done here!

Link to post
Share on other sites

Write back and ask for your insurance money back stating that clearly the terms and conditions were impossible for you to claim on and therefore it was mis-sold.

 

I would use their own wording back at them - especially the phrase 'this is not the outcome you hoped for...' use that as your opening line and go from there.

 

They clearly are trying it on, as most insurance companies like to do.

 

You never ask for a premium back where you have a dispute like this. They won't do it anyway.

 

This type of situation is unfortunately very common.

You might not have known about your FIL suffering from any pre existing medical condition at the time of booking the holiday or taking out Insurance and you are not likely to go around asking close family not travelling with you whether they have a life threatening condition, before you bought Travel Insurance.

 

The death certificate issue that Insurers have raised is a bit odd.

Of course when someone dies they carry out tests to find out how they died and they might find out issues that the deceased was not aware of.

 

Suggest a written compliaint to Insurers head of claims threatening to involve the FOS.

You were not aware that your FIL had any pre existing health issues, as they had never said anything or been into Hospital suffering ill health as far as you are aware, that would have meant cancelling or curtailing your holiday.

 

Hi Sillygirl, premsium was about £48 I think so not really covering what we';ve lost - holiday was over £5,000 (all inclusive 5 people!) I had calculated about £800 or so was what we should have got back :-(

 

Like I said we had no idea he had any kind of illness!

-we had declared that his mum had cancer approx 8-9 years ago

- so we were completely honest.

 

I wonder if I can see both medical certs from the doctor, I feel like I'm being done here!

 

Your husband should be able to get hold of the info from his Fathers Doctor.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Hi Uncle,

 

well they're saying that the medical cert states that not the death cert but I never saw the second medical cert, but the first one was crossed out which would indicate to me that there was no diagnosis!

Link to post
Share on other sites

Your FIL might never have told your Husband, if he had been to the Doctor previously.

I know my Dad would mostly not said anything to Family unless he had to.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

exactly!

he was in supported accomodation too,

 

 

when he moved in i remember shortly after that we registered him to the doctors closer to his flat

- and the carers said that they had a few other residents registered there so it was easier for them to walk them round to the doctros when needed.

 

How do I reposnd to them

- how can I prove that we knew nothing?

 

 

should I mention the first med cert whcih staed that was no diagnosis?

 

 

its just so un fair

-my husband was so looking forward to that holiday as well as his father dying

- he was totally gutted!

 

 

we would never have even thought about booking such an expansive holiday if we thought that we might have to cancel!

Link to post
Share on other sites

You MUST write a "Formal Complaint" to the Head of claims as suggested and include that you will forward the complaint to FOS if no satisfactory resoultion is reached within 8 weeks which is a standard timeframe.

 

Include an assessment of your losses which you wish to claim for witha as much proof as possible. If you have already sent receipts for the original claim, state so.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

ok I will see if i can contact the doctor again and get a copy of what they sent, i sent them absolutely everything i could think of - they don't even give me any option to appeal on their letter which I thought a bit strange?

Link to post
Share on other sites

Makes no odds whether they have ir havent, doesnt stop you sending a formal complaint

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

Read very carefully how the Insurer word the declaration about existing medical conditions and pay particular attention to whether it just relates to those who are travelling or asks about non travelling members of family (It will typically refer to non travelling persons on who the trip would depend or words to that effect).

 

Most companies have a tight wording that asks about non travelling persons, but most companies did not include this until recently and there are still companies that don't ask about non travelling family members.

 

The law of the land specifcally states that Insurers have to ask clearly worded questions that ask specific questions, if they don't ask a clear & specific question then they cannot rely on it. You are legally not obliged to volunteer any information that they have not asked clear and specific questions about

Link to post
Share on other sites

Hi,

 

It does mention non travelling relatives

but we had no idea that he would pass away,

he was not diagnosed with any illness or disease as such.

 

 

Like I said he did have a typical smokers cough

typical of someone who has smoked for a good 50 years.

Link to post
Share on other sites

If you look through FOS decisions, it is odd why Insurers have refused the claim, unless they are trying to see whether you come back to complain. They might think that in some cases those that don't complain are those who were aware of relatives health condition. When they then receive complaints, they look at the claim again.

 

See FOS example case

 

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/105/105-travel-insurance.html

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Thanks Unclebulgaria,

 

I am struggling with how to begin with this, obvioulsy I will start with - I wish to appeal againest your decision not to make payment on my claim. but then not sure where to start! any advise please.

Link to post
Share on other sites

Why not just say something like.

 

I wish to register a formal complain for FOS purposes as you have unfairly rejected a claim under the Travel Insurance policy terms. I have taken advice and also researched FOS case history, which indicate that the FOS are likely to view any complaint as reasonable in the circumstances.

 

Then set out your case in more details.

 

I arranged the policy for a family holiday on x date and was not aware of any reason why the holiday might be cancelled or curtailed. My Husbands Father who was not travelling with us, was living in supported accommodation as a person aged xx and we had no information about any illness or general medical condition at the time of booking the holiday or arranging Insurance. Had we been aware of any serious illness or medical condition that posed a threat to his life, we would not have booked the holiday.

 

Then about what happened when on holiday. While on holiday, we were advised that my Husbands Father had been rushed to Hospital and my Husband got the first flight home with the rest of the family having to stay. If you phoned any claim helpline, say what you were told.

 

When you write a letter it is best to be personal and polite, without being too technical about the Insurance declaration etc. It is quite a simple case that you would not have been aware of the health of Husbands Father , as it was a sudden change in health, with no prior warnings. I would not mention a cough. Unless you were aware of Doctors visits, hospital tests or a life threatening condition, it is not relevant.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Read very carefully how the Insurer word the declaration about existing medical conditions and pay particular attention to whether it just relates to those who are travelling or asks about non travelling members of family (It will typically refer to non travelling persons on who the trip would depend or words to that effect).

 

Most companies have a tight wording that asks about non travelling persons, but most companies did not include this until recently and there are still companies that don't ask about non travelling family members.

 

The law of the land specifcally states that Insurers have to ask clearly worded questions that ask specific questions, if they don't ask a clear & specific question then they cannot rely on it. You are legally not obliged to volunteer any information that they have not asked clear and specific questions about

 

Just quickly coming back to Dacoucs comment above.

 

I have looked at the policy summary again and the questions are laid out like this , in a flow chart.

 

* Have you, or anyone tarvelling with you EVER had treatment for

. Any heart or circulatory condition?

. A stroke or high blod pressure?

. A breathing condition (incluing asthma)?

. Any type of Cancer?

. Any type of Diabetes?

. Has your doctor altered your regular priscribed medication in the last 3 months

 

If you answer NO to any of these questions it move on to the next questions one of which being

 

* Do any close relative, business associates or friends who are not travelling with you or who are not insured with us have an existing medical condition (even if considered ads "stable", under control or in remission)?

 

but it does not list all the conditions as it does in the first question - is this what you meant Dacouc??

 

it seems totally crazy - am I supposed to ask everyone i know including work colleagues whether they are ill or not? crazy!!

Link to post
Share on other sites

Just quickly coming back to Dacoucs comment above.

 

I have looked at the policy summary again and the questions are laid out like this , in a flow chart.

 

* Have you, or anyone tarvelling with you EVER had treatment for

. Any heart or circulatory condition?

. A stroke or high blod pressure?

. A breathing condition (incluing asthma)?

. Any type of Cancer?

. Any type of Diabetes?

. Has your doctor altered your regular priscribed medication in the last 3 months

 

If you answer NO to any of these questions it move on to the next questions one of which being

 

* Do any close relative, business associates or friends who are not travelling with you or who are not insured with us have an existing medical condition (even if considered ads "stable", under control or in remission)?

 

but it does not list all the conditions as it does in the first question - is this what you meant Dacouc??

 

it seems totally crazy - am I supposed to ask everyone i know including work colleagues whether they are ill or not? crazy!!

 

Yes, imagine that!

Frank who works in finance suffers of bunions! 😂😂😂

Link to post
Share on other sites

Yes, imagine that!

Frank who works in finance suffers of bunions!

 

exactly King! it's crazy.

 

I'm annoyed - it was not cheap, hubby looked forward to it as he's never been all inclusive before - he was having a lovely time, really enjoying it and was totally relaxed then out of the blue I got a whatsapp message saying his dad had gone to hospital! I was so upset for hubby - he works so hard and deserved a break, and only got to enjoy 4 days! And now we're out of pocket by nearly £1,000!

Link to post
Share on other sites

exactly King! it's crazy.

 

I'm annoyed - it was not cheap, hubby looked forward to it as he's never been all inclusive before - he was having a lovely time, really enjoying it and was totally relaxed then out of the blue I got a whatsapp message saying his dad had gone to hospital! I was so upset for hubby - he works so hard and deserved a break, and only got to enjoy 4 days! And now we're out of pocket by nearly £1,000!

 

Sooner you send the letter, the nearer you will be to getting the claim paid.

 

If you think about it, the Insurers have no proof you were aware of FIL having a medical condition. They are making presumptions based on what they have received that you would know about it.

 

The Insurers refusal is just standard gate keeping, where they decline the claims and then review them on receiving the complaint. If people don't complain, they don't get paid out.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Sooner you send the letter, the nearer you will be to getting the claim paid.

 

If you think about it, the Insurers have no proof you were aware of FIL having a medical condition. They are making presumptions based on what they have received that you would know about it.

 

The Insurers refusal is just standard gate keeping, where they decline the claims and then review them on receiving the complaint. If people don't complain, they don't get paid out.

 

I've just had anice conversation with the secratary of the doctors, I called her to ask what the insurers had asked for and what was sent to them. she expained that the doctor had confirmed tothem that my FIL had been disgnosed with COPD in 2009! We had no idea that there was any diagnosis!.

 

I explained to her that they have refused my claim - she was shocked and said that we could never have known unless my FIL told us, they would not have disclosed that to us themselves, so it was not our fault! she was a nice lady and said make sure you appeal!!! she said it was not a life limiting illness that anyone could have put an end date on(like Cancer where they can says thae person has 6 monthsor something!) so were they expecting us to not go away on holiday for the last 7 years!!??

 

I am just writing the letter now, I will post here first for approval if you don't mind?

Link to post
Share on other sites

OK.

 

With COPD, unless he told you, how were you to know. As i said before, you can't go around your immediate family who are not travelling with you, before booking holidays asking them about medical conditions. They might not tell you anyway.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Hows this look?

 

************

I wish to register a formal complaint for FOS purposes as you have unfairly rejected a claim under the Travel Insurance policy terms. I have taken advice and also researched FOS case history, which indicate that the FOS is likely to view any complaint as reasonable in the circumstances.

 

I arranged the policy for a family holiday on 15 July 2016 and was not aware of any reason why the holiday might be cancelled or curtailed. My Father, who was not travelling with us, was living in supported accommodation as a person aged 65 and we had no information about any illness or general medical condition at the time of booking the holiday or arranging Insurance. Had we been aware of any serious illness or medical condition that posed a threat to his life, we would not have booked the holiday.

 

While on holiday, we were informed that my Father had been rushed to Hospital, he was still alive at that time and so my wife called the helpline number of the insurance company and was told that it would be quicker to book a flight home ourselves rather than make a claim now and go through the insurance route as she stated that they would need medical documents before they could arrange to get me home, so we were told to book the flight home and make a claim when we returned. I note that you record calls so you can listen to the advice given to my wife in that call.

 

My mother in law booked a flight for me (as my internet access was very poor) and the rest of my family had to stay as the cost to bring us all back early was too much (would have been close to £500) and I didn’t feel that my children should miss out on their holiday. I found out shortly after booking my flight that my father had passed away, so I returned to begin the process or organising the funeral.

 

I was not aware that my father had been diagnosed with any illness, You will note that I declared to you that Ms **** **** (my mother – who was travelling with us) had breast cancer a few years ago, we declared everything that we were aware of at the time. I could not have been expected to know of any health condition of my father as he had not informed me of any health condition; this was a sudden change in health, with no prior warning.

 

I fail to see how it is practical for someone taking their family on holiday to go around asking all their family and friends and even business associates (as I note it is written in the policy summary) whether they have a serious illness or not. I have today called his doctors surgery and spoken to the secretary, she read the letter to me that had been sent to you, in this letter the doctor states that my father had been diagnosed with COPD in 2009! She also advised that this was not a time limited diagnosis so there was no way that anyone could tell how long he would have lived with this condition, were we expected not to go on holiday for the last 7 years? She also stated that the doctors would not have disclosed this to me while my father was alive due to patient confidentiality.

 

I respectfully request that you re-consider your decision

Link to post
Share on other sites

Letter good, but thinking about the paragraph re supported living, it might raise questions as to why a person aged 65 needed supported living accommodation, if they had no medical problems. I think i would leave this out, as it just begs questions. Perhaps just say that he was not living with you and was a private person who would not discuss anything about his state of health.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

It's a good complaint letter, concise and devoid of emotional blackmail.

 

Just to add to Uncle's comments.

 

I would remove the words"Serious Illness" from the penultimate paragraph, their flow chart does not ask for serious illnesses but simply medical conditions. It's a much wider term encompassing minor ailments including as others have noted bunions.

 

Using "Medical Conditions" might be helpful if it goes to the Ombudsman, they tend to look at how the Insurers word questions / statements, how Joe Public may interpret this and whether it's overall fair.

 

I would also reference the relevant Ombudsman case number 105/1, it shows you've thoroughly researched your situation and it would not be unusual for the person handling your complaint to not be aware of that case.

 

The Ombudsman will certainly take into account that they specifically provide a list of certain medical conditions (Including Breathing / Heart conditions) when asking about the health of travelling persons. But they do not provide a list when asking about non travelling persons.

 

Feel free to refer to that when making your complaint, it may help swing the case, especially if the person handling it has any experience as to how the Ombudsman may view the case.

 

Bear in mind, the Ombudsman is not a cut and dry win as they will look at the whole case which we are not neccessarily aware of. But have no fear the Ombudsman does look at what's fair and expects a high standard from the Insurer who after all are the professionals.

 

If it does go to the FOS, they tend to move at a similar speed to continental drift, so don't expect a swift answer from the FOS

  • Haha 1
Link to post
Share on other sites

Hi Guys, thanks for the input.

 

 

Have made the changes. Hows this?

(the ombudsman link is weird on the posting but is in full on the letter so don't worry :-))

 

I wish to register a formal complaint for FOS purposes as you have unfairly rejected a claim under the Travel Insurance policy terms.

 

 

I have taken advice and also researched FOS case history, which indicate that the FOS is likely to view any complaint as reasonable in the circumstances, I refer you to Ombudsman case number 105/1 which you can view at..

 

www.financial-ombudsman.org.uk/publications/Ombudsman-news/105/105-travel-insurance.html

 

I arranged the policy for a family holiday on 15 July 2016 and was not aware of any reason why the holiday might be cancelled or curtailed.

 

 

My Father, who was not travelling with us,

was a very private person and we had no information about any illness or general medical condition at the time of booking the holiday or arranging Insurance.

 

 

Had we been aware of any serious illness or medical condition that posed a threat to his life, we would not have booked the holiday.

 

While on holiday,

we were informed that my Father had been rushed to Hospital,

he was still alive at that time and so my wife called the helpline number of the insurance company and was told that it would be quicker to book a flight home ourselves rather than make a claim now and go through the insurance route as she stated that they would need medical documents before they could arrange to get me home,

 

 

we were told to book the flight home and make a claim when we returned.

 

 

I note that you record calls so you can listen to the advice given to my wife in that call.

 

My mother in law booked a flight for me (as my internet access was very poor) and the rest of my family had to stay as the cost to bring us all back early was too much (would have been close to £500)

 

 

I didn’t feel that my children should miss out on their holiday.

I found out shortly after booking my flight that my father had passed away,

so I returned to begin the process or organising the funeral.

 

I was not aware that my father had been diagnosed with any illness,

 

 

You will note that I declared to you that ** ***** ***** (my mother – who was travelling with us) had breast cancer a few years ago, we declared everything that we were aware of at the time.

 

 

I could not have been expected to know of any health condition of my father as he had not informed me of any health condition; this was a sudden change in health, with no prior warning.

 

I fail to see how it is practical for someone taking their family on holiday to go around asking all their family and friends and even business associates whether they have any medical conditions or not.

 

I have today called his doctors surgery and spoken to the secretary,

she read the letter to me that had been sent to you,

 

 

in this letter the doctor states that my father had been diagnosed with COPD in 2009!

 

 

She also advised that this was not a time limited diagnosis so there was no way that anyone could tell how long he would have lived with this condition, were we expected not to go on holiday for the last 7 years?

 

 

She also stated that the doctors would not have disclosed this to me while my father was alive due to patient confidentiality.

 

I respectfully request that you re-consider your decision

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...