Hi, Margo and John, thanks foryour input. Just to let you know where I am with this. I did a search for Customer service AXA on the net and got a direct hit and the "CEO "Redefining/customer relations" So i sent an email to him with a 6 line brief outline of my complaint. I got an email back the next day saying basically "not my job" so another email back highlighting the logo redefining /customer relations and asked that in the spirit of customer relations he might put me in touch, forward the message or give me a name. He replied he was unable to help directly, he was in Mauritius (they are based there) but he gave me the email address for the CEO France so I have emailed him. I wait with "worm on tongue" (baited breath) Anyway thank you again for your advise etc. I will let you know what happens.