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  • FIRST POST
    • Mark Bedford
    • By Mark Bedford 27th Nov 18, 5:03 AM
    • 104Posts
    • 28Thanks
    Mark Bedford
    TIF Group - High Court, Martin Lewis likely witness, the Times legal suit vs TIF
    • #1
    • 27th Nov 18, 5:03 AM
    TIF Group - High Court, Martin Lewis likely witness, the Times legal suit vs TIF 27th Nov 18 at 5:03 AM
    Appalling story from Turkey but we see reports from Crete, Vietnam, S America and SE Asia a lot as well.
    TIF Group (Travel Insurance Facilities based in Kings Hill Kent)

    Husband returns to the hospital on day two - turns out he has SEPSIS and his organs start to shut down. Ends up in intensive care (ICU)....the hospital says it will not accept TIF Group insurance (Alpha, Holidaysafe, Covered2Go, Insuracewith etc - see UK1 post) because "THEY OWE TOO MUCH MONEY".

    The bottom line is that wife decided that is was better to pay HERSELF for an air ambulance costing £27k back to the UK rather than the hospital take him off the ventilator delaying the flight and racking up more bills without insurance since the hospital would not talk with TIF because they owe "too much money" they say. This tallies with a recent TripAdvisor report saying no hospital would accept TIF in Turkey.

    WORSE STILL, and it alludes to what is in the FCA dossier the Times referred to, TIF tried to invalidate her out of her policy. They told her, in the middle of this nightmare, that the policy was invalid because it was a "PRE-EXISTING CONDITION".....is that so? Sepsis.....I think you would find he would be dead or are we just stupid policyholders. Astonishing isn't it.

    Similar story in Thailand around the same time. We will ignore TIF trying to move the man to another hospital. The doctor objected saying his heart attack could really kill him. Surprise, surprise...The hospital REFUSED THE POLICY saying they were owed money going back several years. The copy of the letter is out there on the Times Twitter. Threatened with the police for non-payment. TIF were not finished though....tried for FOUR days to make him fly home economy but relented on day four.

    On their arrival back home...sent flowers.

    We are hearing on other sites that the Whistleblower said to the FCA that Thai hospitals wrote to the Britsh Embassy trying to get TIF banned from SE Asia. We have seen unpaid bills from Singapore with one poor fellow being pursued by the hospital despite TIF saying in emails it had been paid....elsewhere in the world too and we read the other day Crete and Vietnam added to the growing global list.

    We also see people moved from a hospital WITH an operating facility to one where TIF was told was full....UNOPERATED ON FOR 13 DAY....ANOTHER 11 days in Malaysia.

    I want to see this dossier I must say. Perhaps people who have had similar experiences should report them to the regulator. That was advice of the CEO of Which I believe on her seeing these reports.
    Last edited by Mark Bedford; 24-04-2019 at 2:16 PM. Reason: added word
Page 2
    • Quentin
    • By Quentin 5th Apr 19, 11:26 AM
    • 40,488 Posts
    • 24,534 Thanks
    Quentin
    Why not ask a board guide to merge your multiple spamming threads over your issue?

    Or maybe move them to the mse rants forum?
    • Mark Bedford
    • By Mark Bedford 5th Apr 19, 11:29 AM
    • 104 Posts
    • 28 Thanks
    Mark Bedford
    Glad you think the GMC and the FCA dont seem to think that this is a mindless rant. You have posted 38k posts. I very much doubt that they in sumtotal amount to any significant information that could change peoples lives and information awareness. The FCA and GMC are also ranters are they?
    • Mark Bedford
    • By Mark Bedford 5th Apr 19, 11:37 AM
    • 104 Posts
    • 28 Thanks
    Mark Bedford
    The BBC, The Times front page and the FCA and GMC are all investigating TIF Group.

    Rants indeed?

    Given the stories and many "rants" by you about them for years actually perhaps you should get behind this. I seem to recall that you have been vociferous in your opinion of TIF. Finally there is action by regulators to investigate. Do you welcome this. I can tell you these stories - not isolated ones - are appalling. It is extreme stuff actually when you know the full details.
    • agrinnall
    • By agrinnall 5th Apr 19, 11:39 AM
    • 22,820 Posts
    • 18,841 Thanks
    agrinnall
    Why not ask a board guide to merge your multiple spamming threads over your issue?

    Or maybe move them to the mse rants forum?
    Originally posted by Quentin

    I think it's happening anyway, the two threads on the Overseas Holidays board have gone as has one that was on this board (although he's still starting new ones rather than sticking to one thread).
    • agrinnall
    • By agrinnall 5th Apr 19, 11:41 AM
    • 22,820 Posts
    • 18,841 Thanks
    agrinnall
    You have posted 38k posts. I very much doubt that they in sumtotal amount to any significant information that could change peoples lives and information awareness.
    Originally posted by Mark Bedford

    I suggest you read some of the 38k posts before abusing a respected member of this community. And I also suggest that you follow the rules that you agreed to when you signed up and stick to one thread for your topic.
    • Mark Bedford
    • By Mark Bedford 5th Apr 19, 11:42 AM
    • 104 Posts
    • 28 Thanks
    Mark Bedford
    OK...what is your issue precisely with these posts then? I just don't get it. Please explain why you dont like them?
    • Mark Bedford
    • By Mark Bedford 5th Apr 19, 11:43 AM
    • 104 Posts
    • 28 Thanks
    Mark Bedford
    they are separate topics....same company but totally different issues.
    • forgotmyname
    • By forgotmyname 5th Apr 19, 12:51 PM
    • 29,470 Posts
    • 12,113 Thanks
    forgotmyname
    You only need one thread not lots of them.
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • Mark Bedford
    • By Mark Bedford 5th Apr 19, 3:05 PM
    • 104 Posts
    • 28 Thanks
    Mark Bedford
    ok.thank you.
    • uk1
    • By uk1 5th Apr 19, 5:35 PM
    • 1,260 Posts
    • 883 Thanks
    uk1
    You only need one thread not lots of them.
    Originally posted by forgotmyname
    To a degree I agree, however this situation is wholly exceptional.

    Most people presume that we all have a reasonable degree of protection against companies that behave in this way. Iím amazed that premiums are still be collected from those most at risk ie with pre-existing conditions. My reading of this is that many peopleís lives have been ruined, and I have no doubt lives lost and many more placed at risk.

    So if an extra thread or two about variations of this companyís behaviour can be justified and brings the issue to as wider an audience as possilbe and prevents one single person who chooses a reliable travel insurer instead of this one and goes on to need to make a serious medical issue claim is prevented from harm then I think that is a good outcome and I think a little more understanding is a pretty good thing.
  • archived user
    Fine. Glad you feel that way and it was sorted out. What about the other reviews?
    Originally posted by Mark Bedford

    I can only speak about our experience .
    • uk1
    • By uk1 5th Apr 19, 6:53 PM
    • 1,260 Posts
    • 883 Thanks
    uk1
    I can only speak about our experience .
    Originally posted by CHRISSYG
    The issue in a nutshell is that this company would likely achieve - or should achieve - a 90%+ satisfaction rating on most feedback sites. The reason for this is that they have rightly found that customers with pre-existing medical conditions struggle to get cover and the TIF brands make it very easy to buy cover at attractive rates. So most of the ratings on sites reflect customers - like myself - who found the buying of the cover a real joy.

    The issue is that a large number of customers who have medical emergencies whilst on holiday have found that this company is refusing to deal with their clients in a fair and honourable and safe way. What then tends to happen is that if they post on social media they receive an immediate offer to sort problems out. That begs the question how many more particularly older people with pre-existing conditions would not resort to social media.

    It’s great that your experience was good. There are however a large number of clients who did not have the support and cover they needed and that is why The Times featured them and provided clear and expert evidence of fraud, and the Ombudsman/FCA is collecting data.

    I’m sure you will agree that in the absence of any action to curtail their premium collection efforts it is important that in the interim sites like this do all they can to provide information so that people buying insurance - and particularly the most vulnerable ie with pre-existing conditions - can make informed decisions on where to buy.

    There has been a few more customers posting in the last few days ..... I wonder how many never find their way to Trustpilot.

    https://uk.trustpilot.com/review/www.tifgroup.co.uk


    .
    Last edited by uk1; 05-04-2019 at 7:20 PM.
    • Mark Bedford
    • By Mark Bedford 5th Apr 19, 7:45 PM
    • 104 Posts
    • 28 Thanks
    Mark Bedford
    Hi uk1. These cases are not necessarily related to pre-existing actually. Just from mind I would say all the ones we track are not pre-existing in the vast majority. Thank you. These are really important issues actually as the Summer approaches although the BBC have one interview already recorded with a skiing trip.
    • Mark Bedford
    • By Mark Bedford 23rd Apr 19, 9:15 PM
    • 104 Posts
    • 28 Thanks
    Mark Bedford
    MSE removing TIF Group information subject of GMC and FCA investigations
    1. MSE recommended TIF Group products
    2. TIF Group became the subject of a GMC and FCA investigation although TIF downplay this -see their Times response
    3. The Times article was researched with primary sources and accounts over months.
    4. MSE quietly drop TIF Group - Martin Lewis makes no proper explanation of why he did so.
    5. ACTUAL transcripts have been posted on this site that make jaw dropping reading unless you are one of those that thinks its "spam".
    6. These conversations are ACTUAL and one cannot get more factual than that. Let the readers decide MSE.
    7. TIF Group has in the past threatened people with legal action and defamation actions unless reviews are changed and such like.
    8. I was threatened with defamation for asking about the role of {Edited by Forum Team}
    9. Have you been asked by TIF Group to remove any material? Yes or no
    10. MSE said they have put the information into a single thread BUT the KEY TRANSCRIPTS have been removed and they are not in the "travel insurance" threat either.
    11. Can you explain this to the concerned forum readers please.
    Last edited by MSE Tine; 26-04-2019 at 1:49 PM. Reason: {Edited by Forum Team}
    • TLJ201
    • By TLJ201 24th Apr 19, 9:39 AM
    • 25 Posts
    • 9 Thanks
    TLJ201
    Shocked but not surprised
    I have been reading your threads with interest since The Times front page regarding Boots. As I have personal experience of Tif groups 'service's - I am shocked but not surprised at what you have uncovered / discovered.
    I was also threatened with legal action by them after writing a factual review.
    I also requested recorded transcripts - Instead they sent me (wrongly) typed out transcripts some of which were missing - when I pressed for the recordings I was told - If I want those I can 'take them to court' . Thank you Mark Bedford for pressing on with this. Lord only knows what your experience with them was but whatever it was I BELIEVE YOU. Thank you for making a stand.
    • uk1
    • By uk1 24th Apr 19, 9:48 AM
    • 1,260 Posts
    • 883 Thanks
    uk1
    The real scandal is that their doesn't appear to be a mechanism that effectively suspends their ability to collect premiums whilst they continue to behave in this way. There are three more credible reports of "claims resistance" on Trustpilot yesterday alone. And they continue.

    https://uk.trustpilot.com/review/www.tifgroup.co.uk
    • TLJ201
    • By TLJ201 24th Apr 19, 11:44 AM
    • 25 Posts
    • 9 Thanks
    TLJ201
    Which is what I though the purpose of FCA regulation was. If they cant do anything about this when it appears so blatant then they are not fit for purpose. They apparently have reams of info/evidence but as you point out it continues on a seemingly daily basis. So with that knowledge does that make the FCA complicit?
    Trustpilot seem happy enough to list all the shopfronts as excellent so that draws more and more people in. They are also aware but I guess they rely on business for their income.
    • uk1
    • By uk1 24th Apr 19, 12:04 PM
    • 1,260 Posts
    • 883 Thanks
    uk1
    Which is what I though the purpose of FCA regulation was. If they cant do anything about this when it appears so blatant then they are not fit for purpose. They apparently have reams of info/evidence but as you point out it continues on a seemingly daily basis. So with that knowledge does that make the FCA complicit?
    Trustpilot seem happy enough to list all the shopfronts as excellent so that draws more and more people in. They are also aware but I guess they rely on business for their income.
    Originally posted by TLJ201
    Quite right. The FCA and Ombudsman both seem less than what is promised on the tin. I currently have one Ombudsman complaint made 8 months ago that has not yet even been allocated. Each reminder takes 3 weeks and they send a standard holding response. These are the people that deal with complaints about non-responsive finance organisations.

    The TIF business model seems to be to produce extremely efficient and easy to use front-end travel insurance sites of many different brands and names to make it appear to be specialising in different vertical sectors eg cancer, skiing, backpacking etc etc, that make it easy to buy travel insurance and in particular for those who are particularly vulnerable and at risk ie those with pre-existing conditions. The bulk of feedback on feedback sites is from happy customers that found it easy to buy insurance but have not made a claim. So satisfaction ratings are extremely highly skewed positively by those without any claims experience. However there is also an unacceptable number of people with adverse claims experience. This is supported now with the claim to the GMC and FCA and the fraud enquiries. What seems to happen is if dissatisfied claimants emerge on social media and feeback sites then one gains the impression that TIF then jump in with a reply that makes it appear to all others that they are responding on a personal basis but we of course never know whether that is true or not because the feedback sites do not seem to allow "replies to traders replies".

    This business model therefore allows them to continue tocollect premiums and attract vulnerable people seeking isnurance and to continue to trade with very little interference and people, particularly those most vulnerable ie with pre-exisitng conditions to find themselves when they need help most- without the help they anticipated when buying travel insurance.
    • TLJ201
    • By TLJ201 24th Apr 19, 2:28 PM
    • 25 Posts
    • 9 Thanks
    TLJ201
    MSE Tif group - Why have you buried this illuminating thread?
    MSE why would you bury this thread that was started this morning? There appears to be many aspects to this story and yet they now appear to be lumped under 'TIF'
    I don't think that is very helpful or consumer friendly.
    • Quentin
    • By Quentin 24th Apr 19, 2:48 PM
    • 40,488 Posts
    • 24,534 Thanks
    Quentin
    MSE why would you bury this thread that was started this morning? There appears to be many aspects to this story and yet they now appear to be lumped under 'TIF'
    I don't think that is very helpful or consumer friendly.
    Originally posted by TLJ201


    How is it "buried" by MSE?

    You found it and bumped it to the top! And now me - inadvertently!
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