Delay in paying claim resulting in being handed ov

My wife went in for an operation and the anesthetist charged out of medical rates, we were then notified of that via a letter. We then sent this letter to GAURDRISK 'admed' cover as this cover was taken out to cover such costs <br> This was done in November 2014 we received an acknowledgement email with a claim number from them advising they will process the claim, a month later December 2014 they send us a mail saying that the claim will be closed due to the required documentation not being sent <br> But in the initial email all documents were attached we resent the same email and the claim was reopened, January 2015 we get a call from an attorneys firm stating that we've been handed over for the unpaid account including there fees, now after many and I mean many attempts to reach an agent of Gaurdrisk and holding on for 25 minutes we get through to Fazlin the Team leader who advised me that the anesthetist would be paid but not the attorney fees. Now I ask if it were not for Gaurdrisks incompetence and lack of service in processing the claim we would not have been handed over <br> Does Gaurdrisk expect me to pay for their stupidity I THINK NOT?