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I had three separate claims for three separate days and when I called to notify them they advised what I needed to do and what I needed to send them - they are so rude and arrogant through the whole process all to eventfully tell me my claim had been rejected because all three of them together where over the claim limit - when I explained to the claims consultant that it was three different day and claims - I was ignored and made to feel like an idiot. This institution should have to close down or at the least, change their policy wording. I have started a complaint to the FSB as well as the Ombudsman .