Aviva Medios Healthcare - are we being treated fairly?

Noakes

Thanks PMW2012 for input on Freedom of Information.

Agreed the FCA needs to be approached but our present focus is on our policy and FOS. Management issues are only relevant if they affect our policies. If they have an effect then we need to show how and then FOS must be interested if that is unfair. By all means the FCA should also be involved if management issues are not compliant with its Rulebook.

Today's many posts agree about a badly performing adjudicator that has been doing his utmost to make sure a level playing field does not exist and to disadvantage complainants.

Guardog is telling us not to use up our energy on that but to concentrate on how Aviva has misled everyone so we put the best case to the ombudsman. Sounds sensible to me. Also sounds that action is being taken to even up the playing field.

claremont

Noakes you are spot on.

Elizabeth5

I am horrified to read about this bad adjudicator.

I am even more horrified about all of Aviva's misleading and the uneven playing field.

Just did not think this sort of situation could happen and then sanctioned by those supposed to be protecting us.

kleef

I completely understand how's approach that Aviva's offer of a new policy for 2001 was for its own new policy. I remember Aviva even took on the market as it was so determined to create its own type of policy using the Medios brand name. We had full offer documentation sent to us by Aviva - just as how says.

Can't understand that Mr D thought otherwise, even despite his involvement in OHRA's policy marketing. Apparently he could not let go of this part of his history.

Incredible though that Aviva misled FOS so that it could assert an authority it never had. I wonder what else there is to uncover. Even more reason that we get an even playing field so we know what Aviva has said about our policy. Unbelievable that FOS is protecting Aviva by putting impediments in our way.

I hear what Guardog says but we must still complain about what is going on.

how_2

In response to the many enquiries asking why complainants must direct their complaints against their policy issuer, Aviva Insurance Ltd, and not its agent, Aviva Health UK Ltd, look at consumerfact sheets on FOS web site concerning 'what an Ombudsman's Final Decision means' and 'going to Court to have it enforced'.

financial-ombudsman.org.uk/publications/factsheets/final_decision.pdf

financial-ombudsman.org.uk/publications/factsheets/enforcing-an-ombudsmans-decision.pdf

Just insert http://www. before those addresses.


You will see that even if you don't get your name completely the same as the complainant's name on the Final Decision then there could be a problem. Imagine if the Final Decision is against the wrong company!!!!!

Brampton4

Thanks how you are absolutely correct.

I want my policy put back to rights and only Aviva Insurance Ltd can do that as the policy issuer.

Not only did Mr D mess-up the case direction but he complained against Aviva Health, which as you say is only the agent and a relatively small intermediary company. Not much good to get an award against that company.

The crucial issue is that our claims aggregate into the hundreds of millions and Aviva Insurance will play every trick in the book to get out of an award of that magnitude - should we be so lucky.

If what I have heard is correct, Aviva, in whatever form, has already played a variety of tricks and deceptions upon us so we are suitably warned and must be foolhardy to ignore that warning.

If the FOS adjudicator does not do as we want we will have to complain. It is as simple as that.

davidstone

Just an update for fellow policyholders.

We are constantly copied in on correspondence involving our colleague making the Sakagawea presentation. He is encountering the same challenges as everyone else. He understands he is acting on behalf of many with complaints lodged and considerably more waiting to submit their complaints. Therefore I assure policyholders that he will take these matters to the highest level to ensure our complaint is dealt with appropriately. We have also made him aware of the many emails being sent directly to us rather than placed on Forum pages.

pmq

Following suggestions on here, I indicated that claim should include being against Aviva Insurance Limited and I got back from the adjudicator:-

"Our service deals with all Aviva private medical insurance complaints against Aviva Health UK Limited. I confirm that our service can address all relevant aspects of your complaint against Aviva Health UK Limited."

Jean819

davidstone indicated in his 11 March post that this matter is being dealt with at a higher level within FOS and we all await the outcome.

If you asked for the Sakagawea case points to be put forward on your behalf, with your own, then the adjudicator is acting in bad faith as he must know about these higher level discussions and might even have been the cause of them.

If your case points are otherwise then you might have more problems and challenges to confront than the scheming being practiced on you by the adjudicator.

Either way, it is wrong of the adjudicator not to have informed you about those discussions. He must await their outcome like everybody else.

Maybe this is sharp practice by him. It would not be the first time he has upset policyholders and been unfair to them, as readily apparent from previous posts.

alanjg1

pmq wrote: »

Following suggestions on here, I indicated that claim should include being against Aviva Insurance Limited and I got back from the adjudicator:-

"Our service deals with all Aviva private medical insurance complaints against Aviva Health UK Limited. I confirm that our service can address all relevant aspects of your complaint against Aviva Health UK Limited."

Seems to me that he's 'ring fencing' complaints against Aviva Health UK Ltd.
My written complaint was against Aviva Health UK Ltd, who's name was on my policy. Now, after reading his response to pmq and also how's recent post, it seems that this may be incorrect and the complaint should have been about Aviva Insurance Ltd.

Any expert advice/suggestions for those of us who have complained about Aviva Health UK Ltd, on how to ensure that our complaint is lodged against the correct party?