Life cover. So , took out decreasing life cover with Halifax 15 yrs ago as part of mortgage. Fast forward 15 yrs and i needed to make a claim on the critical illness cover section as I've been diagnosed with 2 different types of cancer. Called up and made my claim , all went through with no issues. Get a phone call 2 days later to say they're sorry but my policy doesn't have critical illness cover. When i took out this policy i was explicit in what i needed it for , as i already had ample death benefits from different sources and my mortgage would be paid by sick pay for a period of 12 months then all i actually wanted was the critical illness cover i was missing . I'm now having to go through their complaints procedure and i dare say to the financial ombudsman as well. So far they've only provided documentation that to be honest i could have knocked up on my laptop it 5 mins. They're failed to provide the original documents ( surprise surprise) . At the very least this has been mis sold at worst its down right fraudulent and at a time when tbh i could do without the stress. Its now been 5 weeks since I've tried to claim and received a text message saying they need another 4 weeks . Surely if they could miraculously provide 1 set of supposed documentation then they should be able to find others just as quick. I'm beginning to think that if they delay it long enough then I'll die , then they will say sorry you only had critical illness cover . Total rip off merchants , untrustworthy, dishonest and downright wa****. AVOID HALIFAX AT ALL COSTS