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£1500.00
do you need any more information
You need to write and make a formal complaint. I do not know if your policy states this exclusion.
They will investigate the matter and then come back to you.
If you are not happy with that response then you can complain to the Ombudsman. They offer a free, independent service at: www.financial-ombudsman.org.uk
If they do not uphold the complaint then all you can do is go to Court.
You need to write and set out your losses of £1500 and request a refund within 14 days or say you will go to Court within 14 days. You should make sure you send this signed delivery and keep a copy.
If they do not refund you then you can issue proceedings in the County Court. You can either do this online at: www.moneyclaim.gov.uk or by completing form N1 http://hmctsformfinder.justice.gov.uk/courtfinder/forms/n001-eng.pdf and take it to your local County Court.
The Court will then issue a claim which a copy will be sent to the Defendant who will have a limited time to defend it, if not you can enter Judgment and enforce.
If the matter is defended it will be set down for a trial. If the claim is for £10,000 or less it will be a small claim and you will not need representation.
Can I clarify anything for you about this today please?