Well guess what? I am told that even though I was refused my october pmt, and told that I had no cover any longer because of the OAP pension from the UK, sent a letter telling me I had to have the letter from NHS in Nov to qualify, I am told today that they never cancelled my account and now I have to pay 989tl for missed payments which they would not take + interest. I spent the entire day with the agt, went to the SGGK office. So, tomorrow I will call Willy and see what he says. If I have to pay it, I will sue the gov't to get it back. AND, I am not the only one. A whole bunch of us apparently. So watch this space!.