We met the requirements for the Bill Protector policy meet the requirements and frustratingly every time we communicate they ask for something different. My husband went through treatment for cancer, and the expectation was that the policy would cover the few hundred pounds for our Utility Warehouse bills for the period of his treatment as advertised when we took out the policy. We have been loyal customers and paid without fail every month for years; in return Davies Group have prevaricated and given excuses as to why no payment has been made even after we made special arrangements to obtain from my husband's consultant the unfit for work certificate requested, which we did not need as my husband is self-employed. At no point do they even acknowledge or offer concern for my husband's health. We are frankly disappointed and shocked by the poor service and the misrepresentation of the bill protector product which falls far below what I would expect of a professional company.