Thetownend.com

Looks like my insurance company are defending my claim against them. Fucking cunts.

Has anyone on here taken an insurance company to court?

GFM's domain I think?

I have pm'd him.

That's shit Birdy. Hope you can shit them up enough to settle before it gets to court.

Didn't Glos_Robin threaten to take his insurance company to court? Might be worth asking where he got his legal advice from.

I was hoping to shit them up just by threatening court, how do I shit them up enough to settle up out of court?  I suppose I could see if I could getthe RSPCA involved or something?

I think glos got a local councillor onside, but it was obviously a different type of claim etc.

Why are they not allowing the claim if you don't mind me being nosey?
I think we should get a TEF protest team behind the company's HQ

They are refusing to pay any of my vets bills even though my horse is insured for up to 5k for vets bills. My vets bill is now 5k.

Basically they told me my horse could not have his cancer removed without authorisation from them for a general anaesthtic. Their poor customer service meant I had to wait 2 months for this, which meant that my horses cancer got very large.  They are saying that I should have gone ahead with the treatment because it is my responsibility BUT it says in their small print I must get authorisation from them to proceed.  I was told by them my policy would be void if I went ahead without it.  Now my horse might have to be put down because of all this.  and they still won't pay the fucking £5k.

If anything I'd say you deserve the money +  compensation. I hate it when organisations seemingly play god by not doing their job properly.

Hope it all works out for the best and hope your horsey gets better as well.

write to them pronto, pointing out the differences to what they are saying to you, to what is there in black and white.
 tell them you will be instructing your lawyers to put a claim in against them unless they rectify the situation quickly.

every legal issue i have had when i know i have been in the right has been settled before i've even had to contact a lawyer.you may hve to persevere a bit but keep hassling them,and dont give up.
you will win in the end i'm sure of it.go back over the paper work to make sure you have it right,then let rip at them.
good luck with it

As Arriba says, but have it written by a solicitor on his official paper, if that doesn't move them, then it probably is court.

I think you will win as well.

This may be of use. Or not.

http://www.financial-ombudsman.org.uk/

Have you contacted the RSPCA, they will not let an animal suffer and does not mean putting the animal down either.
They will probably also help you with your claim giving significant weight  against the Insurance Company, they have a 24 hour hour helpline, sorry I dont have the number to hand.

You could always try writing to one of the financial sections of the press (eg Daily Telegraph,) who, as long as you have genuine grievances take great delight in getting settlement and extra recognition etc. You might want to exhaust normal channels though. Have in look in Saturday's money section for examples of the things they deal with.

God what a disgrace - as if your poor horse being ill wasnt enough stress for you to deal with - I feel for your Birdy - but fight your corner dont let them get away with it

Copy the relevant wording (include the whole sheet so they can see it is there policy) and highlight the relevant paragraphs for them.  Include this in a letter before action.

Amazing as it may seem, most of them have difficulty finding the wording of each policy so just rely on standard responses.  Not the same thing I know, but I;ve had a car insurer try and refuse to pay based on what was allegedly in my policy.  I did the above and the backed down.  The agent had read out a different policy wording than the one I had.  Was worth about £2k as it was a write off.

Citizens advice can be very helpfull with this sort of stuff,my brother had a problem with an ex job/insurance claim  thingy that they sort of helped him sort.

Cheers guys for all advice.  Just to let you know that I have written a formal complaint to the insurance company which was ignored apart from they'd offer to pay for the excess if my horse died.  I forwarded the complaint to the financial ombudsman who can help but will take over 6 months.  

I filed the claim with the small claims court a month a go and they had til Friday to respond.  to which they did.  They now have 28 days to make a defence against me.  

I will contact the citizens advice people, cheers Yeovil.

I have also forwarded my complaint to Watchdog and I've emailed the RSPCA.

Just wait. Legal Proceddings are abit like a game of chicken sometimes and it can be a case of who blinks first.

Both sides are aware of the issuies and you only have a certain amount of time to respond. As with most games there are ways to give you more space etc and different tactics. I find that being as diffcult and as quite as possible is the best trick. Just do the minial required by the court other wise you can play into the TPs hands by giving your hand away to soon. Also if you start shiting it when the other side put in a defence it can show you as being weak.

chill birdy, sit back and see what happens. You have already paid the issue fee. The only other fee you will have to pay is an allecation fee but that doesn't happen untill arfter the tp have put in a defence. You can always pull out when they do or try and agree settlement when they do.

I bet you a pint they send you a cheque within a week.

Cheers GFM, I hope you are right!!

If you need legal advice birdy, pm me.

We've a specialist Racing & Bloodstock team where I work and we also deal with Animal Neglect cases.

Name and shame also Birdy so others don't use them.

E&L.

Happy to take the monthly payment, try everything in the book not to pay out. Contradicting the small print in the contract was not a very good idea.

E&L Insurance limited.

They advertise themselves as Entertainment and Leisure Insurance and Equine & Livestock Insurance.

They insure people's weddings and things like that as well as pets.  God help anyone that has to make a claim for anything.

They have also upped my premium without telling me since all this has been going on.

Nobody touch them with a barge pole.

Just had a quick google on "E&L Insurance complaint",  seems they are complete and utter ******* and yours is not an isolated case.

I wondered if any of the other people that have suffered can give any more advice to you (assuming you can contact them). That said, you seem to have all the bases covered already.

Good Luck.

Cheers Batch, i'll have a look

quote from bully online.com regarding EE&L insurance

NB. Bullyonline no longer endorses this company as we feel they do not conduct business in an acceptable manner.

 :Ride On Fatbury's Lovestick:

Blimey. We were thinking of using E&L for our wedding insurance! Best not now! Any one got any recommendations on who else to use?!

Birdy, I hope to god this all gets sorted for you, and quickly. Feel for you with all this. If you still want some photos done, let me know and I'll arrange something with Rach.

Whatever you do, don't give up.

Cheers Pumbaa much appreciated.  Pics would be nice before the old fella gets shot  :(  :(  I've always wanted a nice big canvas of his cheeky face looking over me  :D

You coming up for the Millwall game? We'll sort the arrangement then if you are.

why would anyone want to shoot sussex?

hope it works out for you Birdy, if you any extras for a protest outside their offices I'm up for it!

 :D might hold you to that  :wink:

I miss protesting  :D

Believe me, there's probably a bit of a queue.  :D

Agreed

Wanker.

Agreed

Update I have bombarded Watchdog with emails. Have bombarded Horse and Hound's editor with e mails asking why they endorse such a shit company attached with links to pages and pages of complaints against E&L.

Response 0

That bird off watchdog would get it

Check your hotmail Birdy.

You might be overdoing Sussex's charms there.

I bought a Camera Mag today, and out dropped a flyer for E&L Photography insurance. Now I've been looking for some form of dedicated insurance for my gear, but suffice to say that leaflet went in the bin quicker than you can say axs.....

oi! what the fuck is that supposed to mean?!!

oh yes

That is what I like to hear  :D

Does it depend if you say axs the Fred Elliot way or the normal way?

how does Fred say it?

Axe-iss

AXE

 :mrgreen:

:D

i still don't want to be put in the bin though.

I didn't put 'you' in the bin you plank. Just put the flyer in the bin faster than Fred can say your name  :soapy tit wank:

so can i get out  of the bin now? my laptop is getting low on battery.

Move the bin nearer a plug.

I think that's your .cue to leave


(or mine, that is possibly the geekiest joke ever written)

 :Ride On Fatbury's Lovestick:

i don't get it.

hehehe.

You geek.