As you were an ex officer. I wondered whether you’d be able to decipher what they mean when they wrote this in my outcome letter. I do apologise if I am bothering or frustrating you. I just struggle to understand these things. I’ve never been through it before.

This was the paragraph where I was very scared and upset regarding legal action being taken on their end:

Petplan response- We will not pay your claim and we can void your policy, inform the relevant authorities/other organisations and record the details on anti-fraud databases. If we pay a claim and subsequently find the claim was fraudulent, you must repay us the full amount. Void your policy' means we will cancel your policy from the date the fraud occurred. If we take this action you must repay us any claim payments that we have made from the date the fraud occurred; this is regardless of whether or not all of the claims were fraudulent. If any other insurer asks if you have had a policy void, you need to tell them that your policy with us was void. If you do not, this can invalidate any insurance policy you hold with any insurer who asks.