GUTTED AND DISGUSTED!!!

And the formal letter says: "During the course of the insurer’s investigation into your claim it was revealed that you have misrepresented material facts surrounding the loss. Some of the insurer’s main concerns were as follows. The version of events submitted by you is contradicted by evidence obtained during the investigation into the incident. It is therefore the opinion of the insurer that you have not submitted accurate and truthful information." And I asked Demi-Jane which information was untruthful and which version was contradictory and she couldn't tell. What's more frustrating is that I was subjected to the kind of treatment I felt was unfair. From PMD losing accident photos to being requested my wife's call records and bank statements. What for? Was this a technique to determine if I **** about calling my wife using someone's phone from the accident scene? I wasted two full months waiting for PMD to make a decision and yet they can't even tell which statements were untruthful? I am challenging PMD to open a ******** case against me as stipulated in their policy if I **** about anything and produce proof of their reasons for rejecting my claim and not this misinterpretation of material facts nonsense. Demi-Jane once said that the call records only show one tower near Sandton and nothing afterwards, but PMD has the audacity to tell me that I misrepresented the facts when they had one tower showing on my call records? How's is it my fault that the rest of the towers I passed didn't appear on the call records? PMD claimed at some stage that it found it suspicious that I didn't receive a single call from 6pm to late on the day of the accident even after I told them that I had received a call from the company I was going to in Sandton asking me how far I was because the seminar was about to start. They say I ****, according to their records. This is a sad day. And I'm not gonna allow this company to bully me like they did throughout the claim process.