The Ferret: VERDICTS.
THE missives hold the key. They might describe the heating system as "in order" but "not compliant with current regulations", a commonly-used disclaimer. If this has been used, you have no remedy. But if the heating system is faulty, you have a right of action against the seller in terms of the missives for the cost of repair. But it may not be financially viable to pursue the matter in court unless it is within the small claims limit of pounds 750.
I HAD pounds 2,000 of debt on a store card when I became ill. I thought my payment protection policy would kick in but the insurance company refused my claim.
THESE policies are often riddled with exclusion clauses and, without seeing the policy terms, it's impossible to say whether or not the company are right. Write to them requesting a written response which pinpoints the exact policy term that allows the claim to be denied. They could be saying it's because the condition causing you to be off sick already existed.