Hi John, Thanks again. Excuse me being thick but this is my first attempt at this and want to get it right. Tks. Mike.

Thanks for quick reply, but still unsure. Do I submit the claim to the bank for the full amount now and then ,should they decide to defend, split it to submit to the courts, or do I submit three claims to the bank. Ths. Mike.

Hi all, new here. I am currently helping my brother reclaim his charges (he does not have internet access and not financially minded). Have received all statements for the past six years and charges amount to £5080.00. My question is when sending the letter to the bank requesting repayment do I have to split it into £2000.00 amounts, as the limit for Small Claims in N.Ireland is £2000.00, or do I just go for the full amount at this stage and then split it at a later date should I have to go down the Courts route.

Have tried to contact ins company as yet to no avail. As far as I can ascertain they are based in Switzerland. Trying to get info from Claims International is extremely difficult as they are rude and unhelpful on the phone and the Claims Advisor who is dealing with my correspondence is a real R2D2. Will try the Travel Agents who I booked the holiday with. Thanks Mike.

Hi Guys, Was on holiday in Fuerteventura in July and had to be hospitalised (suspected heart attack). Was taken to the health centre in Corralejo by ambulance and then transferred to main hospital in P.De La Rosario again by ambulance. At every stage of this saga I offered details of my travel insurance and was told that it was not required and they only wanted my passport and EHIC. Turned out not to be a heart attack, thank god, and continued with my holiday. Shortly after arriving home received a bill from the ambulance company for 82euros which I was just going to pay but as it was all in Spanish did not know how to. This was the only bill I have received. Contacted Claims International who act for the ins company and was advised to send the bill to them and they would sort it out. A short time later received letter from Claims International asking for my £75 excess. I telephoned them to tell them that under the terms of my policy the excess did not apply as "I had used the EHIC to cover or reduce the costs of my treatment". They then told me that Spain and its Islands does not accept the EHIC. If this is the case then I should have received bills from the hospital sent to me personally as the Insurance Co were never involved. After several calls talking to robots reading stuff from a card I am no further on. Phoned Department of Health and they told me Claims Int were talking nonsense and EHIC is accepted, got this in writing and sent a copy along with a long nasty letter to Claims Int. Am awaiting a reply but expect they will not back down. Anyone any ideas on where to go from here, it is not for the £75 as it would have been cheaper to pay the Ambulance bill myself but am fed up with Ins Companies constantly trying to wriggle out. Any ideas would be much appreciated. Mike.

Hi Michael, thanks for the info and quick response, I guess I should have read a bit more before posting.

Hi to all, just joined this forum and am interested in taking on the bank. From the small amount I have read so far all of the legal stuff seems to relate to England/Wales and then seperate references to Scotland. Does the same law apply to N.Ireland or are we in a totally different ball park. Great forum by the way!!