FBD rip off insurance will sell policy cover and take the money and then if there is a claim will send out a hired in ROA Rip Off Agent who will sweet talk his way in and take all the details and be very polite and confirm nothing until several weeks later will send in a fabricated report carefully removing any reference that would justify the claim and adding a multitude of misrepresentation in order to bury the claim. This report if contested, triggers a carefully planned response of regret and disappointment and the uasual crocadile tears from the customers services department who are so annoyed that anyone denied basic justice would be upset. FBD go on with all the well oiled words, of regret, disappointment, sorry about this, sorry about that, misunderstanding this, misunderstandign that, and will do anything just to take the heat out of the issue and after there give youthe run around for several weeks they will refer you to regulators etc who always rule in their favour and if you go to them they will not communicate with you any more and will get their solicitors etc etc but if the claim is genuine and you have a case stick with it and go to the small claims courts. FBD Fraud By Deception.
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