All good - until you become ill.

All fine and dandy until you get ill. You expect the Credit Cover to kick in that you have paid for many years. No it does not. They want you to jump through hoops before you can get it. I am very ill with heart problems. They expect you to get out of your sickbed and go to the branch. Then they send you a section 129 and expect you to pay the full amount due. HOW ? While you are in your sickbed? They absolutely do not care.