Yes, and Richard, you can also claim back what you have paid, as the policy was missold to you. I am dealing with something very similar that happend to me 6 years ago, and thrashing it out with the bank at the moment.

If that is the case they should refund all the money you have ben paying as they have taken it from you under false pretences. I think I would seek advice on the matter if I were you Richard. x

The infamous small print has a lot to answer for!!!!!!!!!!!Really sorry to hear this Richard-does the company have an Ombudsman? worth a try! x

Good for you Richard. They have likely refused your claim based on what they call pre existing medical complaint, but from what I have learned legally, any previous medical complaint cannot be regarded as pre existing if you make a claim on it, after 12 months of it originally starting. In your case, I would think that is the case. Try to avoid solicitors costs if you can.

There are full details on how to do your claim yourself “here”http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Sorry

here

Also Richard, never take the bank’s [or insurers] first word on things. This is just a tactic that they use to get as many people to drop their cases as they can. Many take the first word [the No], and forget about it after that. the banks win thousands of cases in this way.

4 years ago, my bank completely ruined a holiday that I had spent two years organising. When I went to Cameroon in West Africa, it was not what anyone could ever consider a package holiday. It took two years to plan, having to obtain visa,s visitors permits, gorilla trekking permits, mountain climbing permits, vaccinations, malaria treatemtns and a hole host of other things that you just don’t need on a normal holiday. I contacted my bak 8 weeks before leaving to enquire about accesing my money over there. they said as it ws a remote area, they would have to get back to me after finding out. they rang me back a day later, told me that I could use my card in cashpoints over there and even gave me the address of the bank nearest to where I was staying. In total, I spent a little under two years planning everything, and a little under £3,000, before going.

When I got there, the first thing I had to get organised was my bill for accomodation. I had enough cash on me to do that. then I had to collect all my permits and pay for those. I went to the bank and yes, youve guessed it – couldnt access my funds. That meant, no mountain permits, no gorilla permits, no food, or anything else we needed.

I found an internet Cafe and emailed my bank, letting them know that I was in a third world country, and in trouble. they didn’t email me back until three weeks later, and then they said, they needed two days to find a solution for us.

We missed out on our mountain and gorilla trekking, but we di do some tother stuff, instead which was great. I had a serous medical complaint while out there, and getting treatment had to be paid for.

I was lucky, I knew someone over there who was good enough to lend me the basic funds we needed to survive, which I transferred back to them on my return.

The bank, when I claimed against them later – said, Sorry, we are rejecting your claim because even though you lost out on some expieriences, you didn’t actually pay for them [becuase you didnt have the money that end].

I decided to fight it

After a few months of going back and forth, they were finally made to pay me just over 3k for my losses, and 6 K in compensation. I took a two week all inclusive break, using some of that money, which was great, but it was never going to be the experience that I missed out on.

so, never give up.

So sorry to hear Richard ….hang in there my friend !!!!

Oh Richard, why does no-one sue them for fraud!! They are all the same. I do know that it is worth fighting though, and I think that all the advice you have above is sound. I have a friend who has just been paid mega bucks by fighting about the same sort of insurance. The trouble is it does take a lot of effort and energy.

I am sure you will get lots more stories along exactly the same lines.

So, good luck and I know you will put up a strong fight my friend.
xx
Anna

Banks and insurance, where would we be without them? What would we have to complain & grumble about?
Richard, I am so sorry you are having to fight a battle for what is rightfully yours. I’m sure you haven’t always had a damaged knee & arthritis – or perhaps your great, great grandfather did & you should have declared THAT!
I can’t offer advice, I’ve never been in this or a similar situation, but your extended RB family will help you find a way through this dreadful minefield.
Let battle commence.
jx

Mis sold is difficult- you have a cooling off period for you to read the ‘small print’ and if it’s there- then it will stand – or they would be paying compensation in bucket loads- Ombudsman is the better way!! suggest the free 1/2hr with CAB Solicitor!! xx

yes good idea to let people know, my hubby was disabled aged 40 in 1994, we had a full policy on him if he should fall ill or become disabled, for covering our home, as we had 3 young children, did we hell, never got a penny from them, they found a loophole, they are all crooks as far as i am concerned, think the law needs changing nowaday for them to tell you what you are going to be covered for, dawnx

Sorry to hear of your claim refusal but do fight it. Unless it is going to cost more than the claim, you have nothing to lose.

I’m self employed and terrified of any sort of illness. My financial adviser tried to sell me a policy for £110 pm a while back. At the time I turned it down as I couldn’t afford it. Glad I did now having read this! Richard, mate, fight the good fight!

I bought what I thought was a health care plan for my daughter a few years ago. When she turned 18, She was no longer covered by the military program. I really got ripped off but was able to recover the money I paid in. I had to see an attorney. I hope you can get your money back. I also hope that you get some relief from the arthritis. Take care. xo

OMG

This is awful Richard, we had been miss sold a policy when we got a indowment morgage, we paid extra to ensure the endowment would infact pay out the full amount at the end but when they all went belly up, were told infact the extra payments were pointless as we would be short at the end! In the end we surrendered the eddowment and lost a grand in doing so…...we where not happy campers .
what u say is quite scary as we have a scottish provident policy too!!!! our is for serious illness and death…......wonder if ours like urs its a waste of money!!!!

Thanks for sharing

Now I see what is the matter Richard. Have you tried the miss-sold policy route? Might get some or all of your money back, my son-in-law did. – Ted