Shocking beyond belief

49 negative reviews since 1 October 2020. That says everything! No individual to speak to to resolve issues from beggining to end, always the same meaningless one-liner responses; and clearly everytime you respond to these one-liners it is allocated to a different, just as *********** consultant, and you start all over! Finance department staff are incapable of performing the most simple reconcilation to reflect correct balance on account. You need to do it for them! Further than this they are non-responsive for weeks on end even on follow-up emails sent. Incorrect medical plan is indicated on member statements and payments therefore incorrectly allocated. Simple requests such as for a payment reference number to be used takes 6 months to be answered. And then they want to hold members to their scheme rules when they themselves do not comply with their code of conduct. Pitty I am forced to give a star, the one star is not by choice!