Tinkerbell

Write to the insurance company with a copy of their claim rejection letter with details of your cheque which they cahed, and ask for it to be repaid immediately. If you are feeling arsey about their behaviour find the details of the insurance ombudsman and copy them in on your letter.

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Vigil, if you were my husband, I would give you poison.

Madam, if you were my wife, I would take it.