I’m very stressed, very dissatisfied and extremely annoyed at how I have been treated, from the start of my claim I was made to feel like a 2nd class, like I was begging. I have or at least had planned for then expected by having mortgage protection insurance with this company. The first call to them I spoke to an adviser who though he could and would speak to you as if he was the gate keeper, he made me feel like I was in the wrong for attempting to make a claim. From there it has gone down hill, from my claims manager to any of the advisers, Yes I will admit I’m very short and to the point with them when I call but they have done nothing to make me feel any different towards them. Mortgage protection should be instant not having to wait weeks, now becoming months, I started the claim early December and I’m still only at the first gate. When initially taking the insurance I was never asked for medical records etc, now I’m told they have to check my health first, What the hell does a twisted knee have to do with previous health, if it has only just happened?? I’m now so close to disregarding my doctor and contemplating going back work on a damaged knee just so I can pay my mortgage. Two payments now have had to be covered by credit cards. I explained this to my so called case manager, she sounds like she really does not care, neither do the advisers, I’m now stressed, not sleeping, arguments in the home constantly. They correspond via snail mail 2nd class mail, apparently they don’t have e-mail addresses to send correspondence. Which company in today’s times does not have e-mail for corresponding? Three times I sent my paperwork in twice they lost it? I’m looking to get the ombudsman involved, avoid these if possible, the only reason why I used them was my financial adviser set up the policy. Shop around check reviews, I’m pretty sure most of the good reviews on here are fake. Terrible customer service, terrible customer care, slow, inefficient.