PPI on loan for car - wont pay

wendy_

pedro123456 wrote: »

Ok recap Wendy.

1- Your friend (not husband) took out PPI in Nov 08 for whatever reason. Dec 08
2- He found a lump on his neck 10 month earlier (feb) (where, side front back?)and made his own presumption.
3- He attended the GP surgery because it wasn’t improving, was this AFTER or BEFORE HE STARTED THE POLICY?
4- The GP sent him for investigations (when, date please) and he was diagnosed as having CA of the throat (when, date please.)
5- What was this “actual” diagnosis oesophageal cancer or something else ?
6- Because of his communication skills he is now unable to talk personally to the IC and the IC won’t engage in conversation with his wife.
7- The IC “presumes” that because he had the lump/swelling to the throat he KNEW he had throat cancer? Before he took out he policy? if so how did they express this presumption verbally or in writing?
8- The IC will now not let him claim “how have they refused to let him claim “verbally” or in writing”

Wendy ask your friends wife and or your friend to try and answer all the questions in red please, if my statements (in black) are incorrect please say.

Well, it seems a bit of a debate has been started now, I do appreciate any advice. I have answered your questions as follows:
1- Your friend (not husband) took out PPI in Nov 08 for whatever reason.
2- He found a lump on his neck 10 month earlier (feb) (side)and made his own presumption.- He went to the GP with an ear infection and presumed the lump was due to the ear infection, antibiotics were prescribed and the lump did go down but did not disapear altogether, it started to get bigger and that is when he went to see the GP in Nov 08
3- He attended the GP surgery because it wasn’t improving, He went to the GP prior to taking the loan out
4- The GP sent him for investigations - in Jan 09 and he was diagnosed as having CA of the throat in Feb 09(when, date please.)
5- What was this “actual” diagnosis oesophageal cancer or something else ? It was diagnosed as Tongue cancer
6- Because of his communication skills he is now unable to talk personally to the IC and the IC won’t engage in conversation with his wife. - Yes, although I do understand about data protection
7- The IC “presumes” that because he had the lump/swelling to the throat he KNEW he had throat cancer? Before he took out he policy? if so how did they express this presumption verbally or in writing? Verbally
8- The IC will now not let him claim “how have they refused to let him claim “verbally” or in writing”Verbally

gordikin

Can we all do 'normal' font size (& colour would be good too)...it hurts my eyes and does not aid clarity...and that's what we are after...afterall!

pedro123456

ok Wendy thanks for answering, I'm going to have a look at your answers and get back to you, I,m having problems with my wireless mouse (dont laf) I think batteries on blink if I dont reply tonigh I def will tomorrow.

pedro123456

Wendy sorry to be a pain but 3 more questions in red.
Q1-Is this a accurate account of the events in a date wise order?
1- your friend found a swelling on the side of his neck in Feb 08 on the side and presumed this was the result of a ear infection
2- He attended the GP surgery for the first time in Feb08 with this swelling and it was also thought by the GP to be a ear infection, he was treated with Antibiotics that had SOME effect but didn’t totally clear it.
3- He then again attended his GP in November 08 because it hadn’t cleared up completely and the GP then decided to investigate further,
4- He took out a PPI policy in December 08 for whatever reason.
5- The GP sent him for further investigations in Jan 09 and he was diagnosed as having CA of the throat approx 1 month later in Feb 09.
6- He was diagnosed as having CA of the Tongue
7- Because of his communication skills he is now unable to talk personally to the IC and the IC won’t engage in conversation with his wife.
8- The IC “presumes” that because he had the lump/swelling to the throat he KNEW he had throat cancer? Before he took out he policy? they expressed this verbally
9- The IC will now not let him claim “verbally”

Q2-He has been diagnosed as having CA of the tongue, has any reference been made to Cancer of the Lymph glands?
Q3- Has his Consultant got any opinions as to the swelling to his neck, and the likelihood of this being a sign/symptom of CA tongue

dunstonh

Well, it seems a bit of a debate has been started now

Not really. Take pedro's posts out (which many of us here cant see anyway as he is on ignore) and you have a pretty normal thread.

2- He found a lump on his neck 10 month earlier (feb) (side)and made his own presumption.- He went to the GP with an ear infection and presumed the lump was due to the ear infection, antibiotics were prescribed and the lump did go down but did not disapear altogether, it started to get bigger and that is when he went to see the GP in Nov 08

that is the one that does the claim damage. It was first looked at in Feb 08. Cover would need to have been in force before then.

Remember that it is not diagnosis or medication or outcome that matters. Its the point the condition first became aware. That is in Feb 08. Nine months before cover started.

Also, looking at it without any emotion attached and from the outside, it does smell a bit like a fraudulent claim. I dont know if it is or it isnt and I am not going to judge anyone. I am just presenting it as it will be looked at (plus keeping it to the point in text can appear colder than you mean it to):

1 - Policy started in Dec 08.
2 - Claim put in just weeks later. (that is the first warning bell to an insurer of a possible fraudulent claim).
3 - Condition started 10 months earlier and GP was seen AGAIN just a few weeks before the insurance was taken out.

It smells of trying to get cover after the event. It may not be that as I said. However, that is what it looks like and even if he didnt mean it to, you cannot get insurance after the event. Its too late. He needed to be covered before Feb 08.

pedro123456

Lets presume he cant see me (fingers crossed),

And this is my thought dustonh just like somewhatstu, represent the Insurance bods, and for some strange reason they believe they are the “be all” and “end all”, the all knowing Judge-Jury-decision makers they are not alone mind you.
Their presumptuous accusing attitude knows no bounds, what they don’t know aint worth knowing, what they cant do aint worth doing, and what they aint got aint worth having.

Am I supposed to care about being on ignore by him, doubt it, they mean nothing to me

He is right in one thing though, well IMO hes right.

Cold thats how he comes across cold and judgemental

And to be honest I find that quite sad, its almost as if they can turn their emotive feeling off and on, like a light switch.
As for empathy, they wouldn't understand the word.

gordikin

Pedro...what are you on about? You are really unclear...grammar aside!

pedro123456

Im on about nothing to the likes of you gordikins now run along please

gordikin

pedro123456 wrote: »

Im on about nothing....

...yes you are!

pedro123456

I am yes, but not to you :rotfl: