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  • FIRST POST
    • Mark Bedford
    • By Mark Bedford 27th Nov 18, 5:03 AM
    • 95Posts
    • 25Thanks
    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 7
    • Mark Bedford
    • By Mark Bedford 7th Jun 19, 8:25 PM
    • 95 Posts
    • 25 Thanks
    Mark Bedford
    TIF Group (no sure which brand) 4 hours ago
    "Very slow response. I emailed them and I have gotten no response and I have called several times and the phone rings out. I am claiming back some expenses for an injury that happened to my elderly grandmother whilst on holiday. Shocking customer service and as such she has vowed never to go on holiday again and she is very distressed and still under going medical attention now the is back in the UK. Disgrace.

    Don't worry Mrs Anna-Marie Wilby. The FCA are investigating TIF. The ever growing file.
    • JoycieB
    • By JoycieB 10th Jun 19, 6:21 AM
    • 18 Posts
    • 6 Thanks
    JoycieB
    Another, ongoing case, on twitter last night. Moved from a private hospital to an absolutely disgusting hospital and a shambles trying to get an operation sorted. Reason for the move being cited as “the care isn’t as good in the private hospital, they only want your money”.

    This is from a Rothwell Towler brand (underwritten by Tif) who include one Crispin Speers on the board. Speers is also on the board of TIF. His involvement is looking increasingly interesting.
    • TLJ201
    • By TLJ201 10th Jun 19, 7:32 PM
    • 19 Posts
    • 6 Thanks
    TLJ201
    Disappointed to see a link to World First from on of MSE's article.

    And this out earlier today.

    https://www.covermagazine.co.uk

    Ruling going families way. What an awful experience.
    • Mark Bedford
    • By Mark Bedford 10th Jun 19, 10:04 PM
    • 95 Posts
    • 25 Thanks
    Mark Bedford
    Their statement to COVER magazine analysed for common sense
    The Financial Ombudsman (FOS) have reported on a finding into the case that led TIF group to take the Times to court for libel among other complaints. The death of Mr Martin Blake who needed heart surgery and had a TIF/URV policy.

    COVER magazine have, it seems, got hold of the FOS report. Let's see if TIF sue COVER in another catastrophic decision.

    Taking on the Times when they did their research will go down as one of the biggest own goals in history by Richard Smith (TIF CEO) as he desperately sought to shut the story down to prevent further digging. Having sued the Times he thought it would persuade others not to run stuff because "he has sued the Times" but now the FOS has basically backed the Times it appears. Good luck TIF in the High Court.

    And then of course there is the elephant in the room. The FCA.

    https://www.covermagazine.co.uk/cover/news/3077111/travel-insurer-failed-to-fulfil-obligations-to-man-who-suffered-heart-attack-fos

    TIF told COVER: ‘Where we consider that repatriation is not in the best medical interests of a patient, should the patient or their family disagree, they are free to make their own arrangements in returning back to the United Kingdom and to submit a claim for costs on their return,' said TIF. ‘This was the case with Mr Blake and his family.
    ‘We were genuinely saddened that Mr Blake passed away very shortly following the flight that was undertaken against our doctor's recommendations. Mr Blake's family submitted a claim upon their return for the cost of the repatriation and this was paid by us.'
    Let’s have a look at this astonishing statement by TIF. For too long TIF have been making statements and get away with scrutiny by a public that is too easily fooled.

    1. Let’s forget that the treating doctor said ‘Look, the air ambulance is so much better than here. He is not even being monitored here, as I do not have a monitor for him. Not even his saturation levels are being monitored; I don't know if you are understanding what I am saying. We live next to Africa! We live next to Africa, we do not have catheterisation.’
    That is a serious doctor and not one who is being investigated in multiple cases by the GMC. TIF’s “doctor”….well he works in TIF.

    2. Why on earth would TIF allow people to claim back tens of thousands of pounds if it was not in their best interests and anyone can just “submit a claim for costs on their return” by going against the insurer’s advice? It is absurd.

    Unless TIF are saying they would have paid all along as a good insurer…..BUT…then why did you not pay at the start? The Blakes note that they were paid five months later the day after the Times called TIF. TIF seem to passing this off as though they have done the honourable thing and paid. Would they have done so if the Times had not called?

    3. TIF told COVER that the FOS ‘has misunderstood our position on private clinics'. ‘We only recommend transfer to private clinics if they are better able to deal with serious cases like this one,' it said. ‘In this instance there was no clinic in Lanzarote that could have done more for Mr Blake than where he was being treated.'

    Yes TIF that is correct. THEN MOVE HIM as the Ombudsman suggested or as the treating doctor asked. He would have to have been moved ANYWAY. In conversation with Mrs Sullivan (Mr Blakes daughter) TIF slander a private hospital that treats 1.7 million patients a year. Mrs Sullivan then says “Send him to another private hospital then. You can't tell me that all the private...”. TIF counter saying “There's isn't one”.

    Yet the Ombudsman states there was one on the nearby island that could have treated Mr Blake. Then of course TIF said it was too dangerous to fly.
    Last edited by Mark Bedford; 10-06-2019 at 11:05 PM.
    • JoycieB
    • By JoycieB 17th Jun 19, 9:08 AM
    • 18 Posts
    • 6 Thanks
    JoycieB
    The Times reporting both on the case featuring the Ombudsman, and another including a woman in Greece having to fly herself home.

    Starting to mount up. How many other travel insurers are getting dragged through the papers?
    • Insurance nightmare
    • By Insurance nightmare 18th Jun 19, 9:47 AM
    • 6 Posts
    • 1 Thanks
    Insurance nightmare
    We have read stories on this thread of not only long, drawn out claims processes, but also of reports of hospitals being underpaid or not paid at all. Here is an article form late last year, despite the insurer's promises and assurances, a pensioner has been left with a half million pounds debt:

    ***.thecourier.co.uk/fp/news/local/angus-mearns/777484/row-over-angus-mans-650000-us-medical-treatment-bill-reignites/

    (Replace the asterixes with www, it won't let me post links as a new user)
    • Mark Bedford
    • By Mark Bedford 20th Jun 19, 1:47 PM
    • 95 Posts
    • 25 Thanks
    Mark Bedford
    Another policy holder reporting legal action
    From Tifgroup on TrustPilot reviews

    Really wish I read the reviews about…

    Really wish I read the reviews about this company before purchasing the insurance through Holiday Extras. I submitted a claim on behalf o my father and am still waiting for a response. Have emailed them and no response either. The Medical Centre we used in Spain is now chasing us for payment and threatening legal action. Hopefully someone from TIF will read this and respond, but I don't hold out much hope claim number, is URV372458. I would suggest if you are buying travel insurance you use AXA the medical centre advised us that they deal direct with them and we would not have to go through the situation we are now!!
    • MSE ForumTeam2
    • By MSE ForumTeam2 23rd Jun 19, 10:25 AM
    • 28 Posts
    • 25 Thanks
    MSE ForumTeam2
    Hi Everyone

    We have removed several posts where full reviews have been copied from Trustpilot.

    Note that there can often be copyright issues when copying text from sites - even user-generated content. This is why it is against our rules.

    Additionally, the authors of the posts you pasted may have been comfortable to share their experiences on chosen review sites, where they may be able to amend or delete their reviews and respond to comments, but they may not be comfortable with their review being posted elsewhere beyond their control.

    Our own rules ask readers not to copy posts from MSE for this very reason:

    We ask forum users not to copy long text from other publications/websites as it may breach their copyright. If you want to let people know about something you saw or read elsewhere please use short quotes and state where you got them from, preferably by giving a link to the article.

    In terms of our copyright, you can post things you've posted here, on other sites, but not posts by other forum users.
    EDIT: To clarify - This is not a Trustpilot issue. It doesn't matter if Trustpilot are okay with copying. We don't have the resources to check the copyright implications for every page or site our members would like to take text from. So we have to have a very clear and simple rule on this matter. Our rule on this is quoted above.

    .
    Last edited by MSE ForumTeam2; 26-06-2019 at 3:16 PM.
    Official MSE Forum Team member

    Please report all problem posts to forumteam@moneysavingexpert.com
    • Insurance nightmare
    • By Insurance nightmare 25th Jun 19, 12:21 PM
    • 6 Posts
    • 1 Thanks
    Insurance nightmare
    The court case
    Looking forward to the outcome of this case. I'd be nice to see TIF as a defendant at some point too.

    Here is the summary of a hearing last month:

    ***.casemine.com/judgement/uk/5cef66162c94e03c8f94cdb1

    (I'm still not allowed to post links, again you'll need to replace the *** with www)
    • Kernel Sanders
    • By Kernel Sanders 25th Jun 19, 3:48 PM
    • 3,471 Posts
    • 1,416 Thanks
    Kernel Sanders
    Looking forward to the outcome of this case. I'd be nice to see TIF as a defendant at some point too.

    Here is the summary of a hearing last month:

    ***.casemine.com/judgement/uk/5cef66162c94e03c8f94cdb1

    (I'm still not allowed to post links, again you'll need to replace the *** with www)
    Originally posted by Insurance nightmare
    https://www.casemine.com/judgement/uk/5cef66162c94e03c8f94cdb1
    • Insurance nightmare
    • By Insurance nightmare 27th Jun 19, 7:01 AM
    • 6 Posts
    • 1 Thanks
    Insurance nightmare
    Refusing to fly a patient home
    Article from 2015, but the same old story in refusing to fly a patient home despite the treating doctors' claims that the patient should be recovering at home.

    The article says TIF refused to front the cost of an air ambulance, yet they would reimburse the family if they paid for it themselves:

    ***.dailymail.co.uk/news/article-3221387/Family-British-tourist-crushed-bus-outside-Ibiza-superclub-slam-red-tape-tangle-stopped-flown-home-four-weeks-hospital.html
    • Insurance nightmare
    • By Insurance nightmare 27th Jun 19, 7:35 AM
    • 6 Posts
    • 1 Thanks
    Insurance nightmare
    And more...
    ***.nottinghampost.com/news/local-news/familys-desperate-plea-bring-terminally-1783334

    "The couple took out holiday insurance with Puffin Travel before they went away which covers them for medical emergencies and repatriation to UK for treatment via air ambulance with specialist support covered up to £10 million."

    Complaints here about lack of contact. Father killed, mother in a Coma, six month old baby being looked after by grandparents

    ***.irishmirror.ie/news/world-news/horrific-car-crash-killed-dad-7688178
    • JoycieB
    • By JoycieB 27th Jun 19, 2:39 PM
    • 18 Posts
    • 6 Thanks
    JoycieB
    "But Alpha disagree, saying they believe that the forces generated by take off and landing - as well as turbulence - could be devastating to Caitlin."

    I was spun this garbage. Christ I'm looking forward to their demise.

    Ah it gets so, so much worse.

    "'Our emergency assistance medical team, which includes the world's leading practitioner on aviation medical assistance"
    Last edited by JoycieB; 27-06-2019 at 3:56 PM.
    • uk1
    • By uk1 30th Jun 19, 5:02 PM
    • 1,254 Posts
    • 882 Thanks
    uk1
    https://uk.trustpilot.com/review/www.tifgroup.co.uk
    • TLJ201
    • By TLJ201 3rd Jul 19, 9:47 PM
    • 19 Posts
    • 6 Thanks
    TLJ201
    Too many people affected by TIF group it seems.
    More damning reviews on trustpilot.
    The FCA are aware. I'm puzzled as to why they aren't doing anything.
    Each time there's an ad on the radio /TV the companies use the tag line at the end 'regulated by the Financial Conduct Authority' This gives the consumer confidence in buying that companies products - because they believe that they are buying from a regulated company. The FCA have got to be held accountable for turning a blind eye to this.
    • Insurance nightmare
    • By Insurance nightmare 4th Jul 19, 7:57 AM
    • 6 Posts
    • 1 Thanks
    Insurance nightmare
    Stats: Complaints in numbers
    From TIF's own website:

    ***.tifgroup.co.uk/document/Final-RMAR-Complaints-Data-October-2017-March-2018%20.pdf

    1615 complaints opened against them in the period 1st October 2016 to 31 March 2017.
    1955 in the period 1 April 2017 to 30 September 2017 (an approximate 21% increase on the previous six months).
    2653 in the period 1 October 2017 to 31 March 2018 (an approximate 35% increase on the previous six months).

    They have not published the figures for the past 12 months, but I would not be surprised to see the upward trend continue.
    • JoycieB
    • By JoycieB 4th Jul 19, 10:09 AM
    • 18 Posts
    • 6 Thanks
    JoycieB
    On their website.

    "Testimonials from clients"

    "random crap" - HolidaySafe. Except, nobody actually works for HolidaySafe? That's literally a testimonial from themselves.

    One from Alpha as well.
    • Weighty1
    • By Weighty1 4th Jul 19, 10:26 AM
    • 549 Posts
    • 276 Thanks
    Weighty1
    From TIF's own website:

    ***.tifgroup.co.uk/document/Final-RMAR-Complaints-Data-October-2017-March-2018%20.pdf

    1615 complaints opened against them in the period 1st October 2016 to 31 March 2017.
    1955 in the period 1 April 2017 to 30 September 2017 (an approximate 21% increase on the previous six months).
    2653 in the period 1 October 2017 to 31 March 2018 (an approximate 35% increase on the previous six months).

    They have not published the figures for the past 12 months, but I would not be surprised to see the upward trend continue.
    Originally posted by Insurance nightmare
    Holy hell! That's going to start bordering on PPI claims levels if it carries on spiralling. A complete disgrace!
    • TLJ201
    • By TLJ201 11th Jul 19, 9:32 PM
    • 19 Posts
    • 6 Thanks
    TLJ201
    Sad to see my post getting removed.
    It's a very serious topic. People have been through all sorts. Lots of really shocking cases.
    it really bothers me that it appears that someone is happy to disrupt the thread for reasons only known to themselves.
    I thought the whole point of MSE was to be pro the consumer. But hey who am I - I could have lost my partner after a violent unprovoked attack and there was no one to help me on the 24/7 emergency line so what would I know?
    • uk1
    • By uk1 13th Jul 19, 5:46 PM
    • 1,254 Posts
    • 882 Thanks
    uk1
    Sad to see my post getting removed.
    It's a very serious topic. People have been through all sorts. Lots of really shocking cases.
    it really bothers me that it appears that someone is happy to disrupt the thread for reasons only known to themselves.
    I thought the whole point of MSE was to be pro the consumer. But hey who am I - I could have lost my partner after a violent unprovoked attack and there was no one to help me on the 24/7 emergency line so what would I know?
    Originally posted by TLJ201
    https://www.moneysavingexpert.com/site/editorial-code/

    The MSE editorial code mentions it's primary guiding code is "helping the consumer" first" and it is mentioned several times. Never has the public buying travel insurance and looking to MSE needed compliance with that code and guiding principles more than now.
    Last edited by uk1; 13-07-2019 at 5:51 PM.
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