**Location:** Birmingham, UK **Type of Insurance:** Home Insurance (Subsidence Claim) I'm sharing my experience dealing with what I believe is systemic fraud by Royal & Sun Alliance Insurance (RSA) and their loss adjusters, Crawford & Company. After 4.5 years of battling for a fair resolution to my subsidence claim, I've submitted a formal escalated criminal complaint to the Chief Ombudsman following their recent decision (PNX-5126400-B7P5, January 24, 2025). # Background In September 2020, I filed a subsidence claim with RSA. The Ombudsman has already acknowledged RSA's "shockingly poor service" and "significant avoidable delays" in their decision. However, my complaint goes much deeper than poor service. # The Evidence I've Gathered Over these years, I've collected substantial evidence of what appears to be deliberate misconduct: 1. **Fabricated Complaints**: RSA created three fake complaints (January 30, September 26, and December 7, 2024) to manipulate regulatory timelines and circumvent proper oversight. 2. **Falsified Technical Documents**: Key claim documents including the Schedule of Works (SOW), Certificate of Structural Adequacy (CoSA), and Forms of Acceptance (FOAs) appear to have been fabricated. Metadata analysis reveals these were created in 2024 but backdated to 2021. 3. **Data Protection Violations**: My Data Subject Access Request (DSAR) came back with approximately 73 critical documents fully redacted and many (around 50+) others improperly withheld. 4. **Claim Reference Manipulation**: RSA repeatedly changed my claim references (from SU2004338 to 1781135 to 202405326), seemingly to obscure the complaint history and make tracking impossible. 5. **Conflicts of Interest**: The person investigating my complaints at RSA was directly implicated in the issues I was complaining about. # Most Concerning Evidence What troubles me most is that when I examined the Certificate of Structural Adequacy, it falsely claimed that Leo Horsfield (the structural surveyor) recommended removing an ash tree that had already been felled two years before they were even involved in my case. This demonstrates deliberate falsification, not just an administrative error. Similarly, the Schedule of Works was created on April 30, 2024 (proven by metadata), yet RSA claimed it existed since July 2021. When challenged, they couldn't produce the original document. # Where Things Stand Now The Ombudsman's decision acknowledged the poor service but couldn't address the potential fraud due to their limited remit and outside timeframes of this particular complaint. I've now escalated to the Chief Ombudsman, with copies to the Financial Conduct Authority, Information Commissioner's Office, and Serious Fraud Office. My 122-page complaint (filed 02.03.2025) meticulously documents every falsified document, fabricated complaint, and regulatory breach with supporting evidence. I believe RSA's actions go beyond poor service into potentially criminal territory. # What I Hope For I'm sharing this to warn others and hopefully connect with people who may have experienced similar issues. I also hope that by bringing awareness to this case, the regulatory bodies will give it the serious attention it deserves. Has anyone else experienced anything like this with RSA or other insurers? Any advice on navigating this process would be greatly appreciated.

Non-working graduate student recently approved for Medicaid, but prior to this I had purchased my schools shitty student coverage. Obviously, the coverage for Medicaid beats the school insurance. I called the school insurance and asked them if I could cancel because I want Medicaid as my primary insurance but they told me that is not possible and won't give me a pro-rated refund. I paid $2000 at the beginning of the school year for the insurance for the whole year coverage, and I figured they would be able to refund me a portion of that since I wanted to cancel, but they seemed appalled I even asked to cancel and told me to kick rocks. It wasn't even the insurer, it was the insurance broker who told me this. Am I stuck with school insurance as my primary and Medicaid as my secondary? I don't want to just stop using my school insurance and start using Medicaid as that would technically be insurance fraud? Sorry if this is a strange question; I am not well-versed in this world. Thank you for your time

Hi everyone, I am posting here because I have had a very frustrating experience with my auto insurance with statefarm and am looking for some advice. I am currently a graduate student in Florida so things can be a little difficult when it comes to have to budget with this huge bill I have now. Basically I have had statefarm since August of 2024 and the first 6 months of premium was fine, I paid all my bills on time and when it came to January 2025 when my new auto premium renewed I had increased slightly my premium but the difference in my monthly payments were around the same due to the discounts I got. Then somewhere in February I found out I had been dropped from the insurance due to a balance of a surcharge for policy change that I did not pay for. They then dropped me without notifying me so I found this out a little later. Throughout the few months from February from when I found out I was dropped to July (when the 6 months premium ends), I have been trying to reinstate my auto insurance back because I feel a little anxious driving in Florida without having an insurance active. The insurance agent office was super hard to reach, I had to re-explain my situation multiple times because the person most involved with my case was never available to talk, and they always said that they are working on it and that my insurance is still active and will get back to me regarding the balance/bills which they never did. I had to keep following up and finally in June-July ish, they had my policy reinstated. But now I have this giant bill where I have to pay both the remaining balance and the new insurance premium monthly. The insurance agent told me that the remaining balance was about $380 spread over 3 months and I had paid for the first installment already so I should have 2 more months of whatever was remaining of $380. After that first payment, I decided to switch over to another insurance agent because of their lack of communication and how long they took to process things. I think this was my mistake then because after switching over, the new insurance agent said that my remaining balance was about $500 remaining still even after the first payment that I have made towards the remaining balance. Now because of this issue, I have to be paying $300 per month (remaining balance spread over a few months + current insurance premium for the month) and I feel like my previous insurance agent had screwed me over? Is my only option is to just suck it up and pay the $500 like they said? I am just very upset because they also never have apologized to me and made me feel like I was at fault as well. I tried to switch over to another insurance company but I have not been getting better rates (car insurance is ridiculously expensive in Florida) and I rarely drive (last 6 months I have only driven 2300 miles) and I have to be paying an enormous amount ($128 per month) for me to be barely driving.

Idk but this happened nung January pa this year, but I have come to notice that yung mga agents nila sa malls (esp sa SM) are not working professionally. I get that gusto nila makabenta pero di naman tama yung 'tactics' nila. Kaya napagkakamalan silang scam eh. Well my personal experience, would say parang na scam nako. May babaeng lumapit claiming na may ibibigay daw silang prize if sasali ako sa "raffle" kuno nila, makikipag usap tapos pupuriin pa then the next thing I know is papuntahin ako sa office since kukunin ko daw yung prize without knowing na dito na mag sisimula yung kalbaryo ko. May FA na kumausap, mag bibigay ng advise or whatever. Ako naman, I thought nag mamarket lang, umabot kami ng 45 minutes don then yun na pala, ipa aavail na ng policy nila. I declined first, sabi ko "your agent said na di kayohihingi ng kahit anong money or what, so bakit kailangan kong bumili ng policy niyo?" Nagalit pa yung FA, inulit yung mga sinabi kanina. Ang ending napabayad ako ng about 9k good for three months na yun. Nakakbweset lang kasi bakit kailangan mang linlang, and bakit may pamwersa sa mga tao kung tatanggi. If you're a professional, you would not get mad at someone saying "AYOKO", and in the first place dapat di na kayo nag sinungaling na wala kaming babayarang kahit na ano. - just a rant lang, nag lapse na yung policy ko since di ko na tinuloy yung pag hulog, sana napakain nila mga pamilya nila sa 9k na kinuha nila.

They just randomly started denying chemo treatments for my dog after covering them for a period of time. Told us to contact the state with our complaint. Absolutely insane

Hi guys ! I'm considering switching pet insurance plans for my 6 year old mini Aussie. I currently have MetLife Pet Illness and Injury, but with one minor shoulder injury - maxed out my benefits after one visit. As my baby gets older - I want to make sure I have the best coverage for him - especially with ortho treatments ( ie. PRP injections) Any Recommendations would be very appreciated !

My neighbor scraped my car in our shared apartment garage. I park right next to her every day, and the scratch on my vehicle lines up perfectly with damage on hers. To top it off, her paint color is visibly transferred onto my car and vice versa.. She’s claiming she didn’t do it, but I’ve already filed a claim with her insurance and an adjuster has reached out. The adjuster says they’re still trying to determine liability since my neighbor is denying everything. Here’s where I’m stuck: -Should I keep working with her insurance and try to prove it to the adjuster directly? -Or should I go through my own insurance (which would mean paying a deductible upfront) and let them fight it out behind the scenes? I’d prefer to avoid paying anything out of pocket, but I also don’t want to risk her insurer denying the whole thing and leaving me with the bill. Any insight from people who’ve been through this or know the industry would be really appreciated. Thanks in advance!

So about a month ago, I took my dog in for her routine dental cleaning. While she was under anesthetic, the vet discovered that she had gotten a stick that was wedged right across the roof of your mouth and had punctured her gums on both sides, requiring 2 of her premolars to be extracted. I filed a claim but it was denied because years ago (all the way back in 2019) there was a record of some peridontal disease at a completely different vet. Trupanion is saying they won't cover this latest incident because of that prior history, even though I've been with Trupanion since I got my pupper. Is it even worth the effort to try appealing this? I just feel like the damage to her teeth was not really caused by periodontal disease, it was more of a freak accident because she chewed a stick.

Virginia Medicaid (cardinal care smiles) helped me see a dentist for the first time in a hot minute. Long story short, I just received correspondence that the crowns I need have been "partially denied." The exact denial was worded as, "We decided to partially deny the request.". They did not elaborate on why. What do I do from here? They stated "Your provider can ask to talk to our dentist that made thsi decision." So, do I have to reach out to the practice to REQUEST they advocate for me? Or were they also now notified? I was so excited to finally make headway with my dental health. I'm feeling like the grandma from that one scene in the incredibles right now haha. Thanks for any and all advice.

Hi. So I purchased a new car and am within a year of paying it off (I’m paying it off ahead of schedule) when I was at the dealership it was required that I had full coverage until the car was paid off. Now my question is, what could Honda do if I change my insurance company (I’m currently with the useless all state) and change my plan to minimum coverage?