More Than & Tesco are about to shaft pet insurance customers even more than other insurers. It's bad enough having to pay a huge excess AND a further 20% if your animal is over 8 years old, which is what happens with Virgin & why I'm about to leave them - now we're being forced by More Than & Tesco to treat our animals like trashed cars - change your insurer if you're with one of them. (I currently have 2 with More Than and am hugely disappointed because til now they were a good insurer.) They are going to charge £200 for using the "wrong vet" : their deals limit families to 28 approved centres in the whole of the UK, only 2 of which are in Scotland!!!!!

Hi everyone, just thought I would drop this in for a bit of input and advice... My mom had a policy with DL to cover her cat for the last 2-3 years. She cancelled the policy in June 2013, the last payment she made was on the 10th Of June 2013, I have confirmed this from her bank statements. Her policy documents state that the 'new' policy would (if she were to continue) would commence from 18/07/2013. You can view the policy schedules below: 2012/13 Policy - [ATTACH=CONFIG]45752[/ATTACH] 2013/14 Policy - [ATTACH=CONFIG]45751[/ATTACH] After cancelling her direct debit with the bank she received this letter sent out on the 15th June 2013, [ATTACH=CONFIG]45753[/ATTACH], which seems straight forward enough and she assumed that as the payment for June had gone out, this would take her to the cutoff/end date of the 17th July 2013 as mentioned in the letter and she just put it aside knowing she was not renewing. Then today, she received this letter [ATTACH=CONFIG]45754[/ATTACH], a FINAL NOTICE asking for the payment of £17.34 and the usual threatogram spiel mentioning debt management companies and agents etc etc, which as of course got her in a panic. She has received no interim letters between the two shown above. So my question is this, what the hell are they playing at? haha, really, what I want to know is, has anyone got any input on how to get this resolved, she spoke to them and they were less than helpful, the woman was only interested in discussing the payment options and threatening her. So I said, tell them you are not discussing it on the telephone any more, and that you will write to them, and got her to end the conversation. I know from past experience that companies like to play the heavy handed approach in the hope that customers will cave in, but I don't at this point see that she owes them any funds and told her not to pay them until they can clearly show where/what this payment is meant to cover. I plan to write in and ask for clarification regarding the policy and period this payment is supposed to have covered, and why in their initial letter they make no mention of any potential outstanding payments due on the policy. My real concern though is this, FINAL NOTICE, how can they just issue a FINAL NOTICE when no other notices have been issued? and this is like 18 days after they sent their first letter, even IF she owed this payment, which I am not convinced about, surely 18 days to issue a FINAL NOTICE is a little cheeky as the payment would have only gone on the 8-10th July anyway, so its not even 30 days past when it should have been paid 'in their eyes', i.e. when this letter was sent, she would have even been less than 30 days in so called arrears and yet already they've issued a FINAL NOTICE to her. (I hope that makes sense!) It seems a little over the top IMHO and a bit heavy handed for £17.34 and I plan to get to the bottom of it! So any input and advice on how to approach this would be most useful and grateful... Thanks all...