I have never had such a bad experience as this. I submitted a claim which they declined but failed to let me know (despite stating they would keep me updated). The claim was declined on a technicality, but they really do not want to try and help or listen to any sort of conversation about it. Totally unhelpful. They finally agreed to pay a small sum in compensation for failing to let me know about the claim being rejected. Guess what - the payment never arrived! I have now received it a month later after chasing them again. Seems they just forgot to send the money (just as they had forgotten to tell me the claim had been rejected). From what I could tell, it was nothing to do with backlogs of work in either case - they had just filed it away and forgotten to do it.