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If we're throwing anecdotal evidence out there, please allow me to.

I've dealt with a good 20 cases over the last few years transferred to me from insurer panel firms (that I will not name) who had offered sometimes horrific service levels and worrying lack of understanding of the most basic principles underpinning what they were doing.

As I recall, one had its operatives based on a call centre in South Africa and charged £300.00 odd per hour under the terms of their retainer.