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Correct; I was told by the Vet to contact the local Government Ombudsman to submit the claim.I thought I would start with your service to see if this was worthwhile.
Jo, a very good answer - and thanks for pointing me in the direction of the Financial Ombudsman - I also arrived at this conclusion, but only after several phome calls and much "trawling" on the net. I have made contacted them and will make a formal complaint to the insurers before going any further with the Ombudsman route.
Once again many thanks, Mike Golding