Broke my ankle back in march which required surgery. We used my fiance's phone no (she lives in the states) for all the paper work during any Dr's appointment, for the ER visit etc. She started getting letters from collection agencies so i called AXA to find out what the problem was. No problems i was told, we are finalising payments etc they said. Finally get an e-mail over a month ago saying that everything was being paid and settled. Fiance recieves a phone call from a debt collection agency 2 days ago chasing chasing a payment, called AXA to find out why it hadn't been paid. They assured me it had and sent me a statement saying everything had been paid and no debt collectors should be calling. Yesterday, another phone call from a different debt collection agency chasing a payment. Called AXA again, low and behold they hadn't paid one of the bills after assuring me everything was settled. I had sent them the bill more than once and the final demands more than once. The amount of stress and worry this put on my fiance is beyond belief. DO NOT USE THEM!!!!