Interestingly, Huma sent us a letter advising our BG would be renewed very soon, that was after we had terminated the contract 5 months earlier and executed the BG 2 months earlier !
What annoys me is that this developer and the banks both put as many 'blocks and barriers' in the way to make it difficult for you to get a refund. All in the name of fraud and legalization / red tape when really the left hand doesn't know what the right is doing.
Thereby if you were that way inclined, it would be so easy to fraudulently make a false claim.