Critical Illness - A Dreadful Experience with Scottish Provident

24

Comments

  • OshayAway
    OshayAway Posts: 715 Forumite
    I'm glad you did get the correct resolution in the end and sorry to hear you had such a frustrating experience over such a long time. You are quite right to state that this is not an isolated case. There are suggestions that TPD should be removed altogeather from CIC policies to avoid the issues / confusion etc. In which case a claim like you describe would not be upheld.

    Out of interest, with the benefit of hindsight, do you feel you would you been better off saving the money you spent in premiums and not have the payout and all the hassle that went along with it?
  • ellie43
    ellie43 Posts: 446 Forumite
    Thanks Oshay. The problem with TPD is the gulf between the claimants perception of and the insurers view of the policy.

    With hindsight I would not have taken out the policy. On balance the stress of the claim cost me a lot more in the deterioration in my health than the stress I would have had losing my income as a result of illness. I am lucky in that I get a small occupational pension, IB, DLA and my husband works full time. Being put under surveillance was especially unpleasant - the private detectives report commented on what I was wearing and doing in my living room.

    My husband asked me on a number of occasions to give up. I did not do so partly because I didn't anticipate it taking over 5 years to resolve, but also because I believed I had a valid claim, backed up by medical evidence, and I didn't see why Scottish Provident should get out of paying up. However, I could not have persisted without the assistance of husband, friends my NHS medical team and the specialist solicitor.
    'Now sir you tell me the world's changed
    Once I made you rich enough
    Rich enough to forget my name'     Youngstown

    Eleventh Heaven = no 166 - none yet but 50 weeks to go:cool:

  • AlisonHarrison
    AlisonHarrison Posts: 181 Forumite
    Ellie, I am trying to send you a PM but it keeps getting rejected.
    Am wondering if it is because I do not have any posts.
    Will try again once I have posted this.
    Best wishes
  • AlisonHarrison
    AlisonHarrison Posts: 181 Forumite
    Ellie
    For some reason I cannot send you a PM so I will have to put this on here.
    My experience almost mirrors your experience exactly and I am in the middle of a TPD claim having been off work for 9 years now.
    I think, like you I will need to hire a specialist solicitor and was wondering if you would give me the name of the specialist that you hired.
    Thank you so much for your post.
    Best wishes
    Alison
  • Molly41
    Molly41 Posts: 4,919 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Hi Ellie,
    Same here although Im only at the start really. Totally paranoid now that someone is watching me and my house:(

    I hope you were able to get my PM because I asked the same re the solicitor. I would also like to contact them.
    I must not fear. Fear is the mind-killer.
    Fear is the little-death that brings total obliteration.
    I will face my fear. I will permit it to pass over and through me. When it has gone past I will turn the inner eye to see its path.
    When the fear has gone there will be nothing. Only I will remain.
  • AlisonHarrison
    AlisonHarrison Posts: 181 Forumite
    Molly41 wrote: »
    Totally paranoid now that someone is watching me and my house:(

    You are right to be paranoid.
    I asked for all of my papers from my IC and have just today got them, and it includes a DVD of myself and a report of my movements:eek:
    Was so so shocked. It was taken about 5 years ago.
    They followed me for about 2 hours and I had not noticed. Could not believe it.
  • Molly41
    Molly41 Posts: 4,919 Forumite
    First Anniversary Name Dropper Photogenic First Post
    OMG!!!!!!!

    I think i might just give it up now!
    I must not fear. Fear is the mind-killer.
    Fear is the little-death that brings total obliteration.
    I will face my fear. I will permit it to pass over and through me. When it has gone past I will turn the inner eye to see its path.
    When the fear has gone there will be nothing. Only I will remain.
  • Molly41
    Molly41 Posts: 4,919 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Was that surveillance at the start of your claim? How scary.
    I must not fear. Fear is the mind-killer.
    Fear is the little-death that brings total obliteration.
    I will face my fear. I will permit it to pass over and through me. When it has gone past I will turn the inner eye to see its path.
    When the fear has gone there will be nothing. Only I will remain.
  • AlisonHarrison
    AlisonHarrison Posts: 181 Forumite
    Molly, please do not give up.
    No the video was about 3 years into my claim.
    I also got the report from the private investigator.
    The IC's conclusion was that "there were inconsistencies with my reported illness and the video evidence, (rubbish!!) but not enough to stop the claim".
    They tried to stop the IP claim a couple of years later, but I appealed to FOS and they lost.
    The point is though THEY LOST.
    Do not give up though, because unless the video evidence contradicts what you have told them, the FOS will not accept it. Look on the FOS website.
    I am still reeling from the shock that someone followed me for two hours and I did not notice. It had my husband and kids on too.
  • AlisonHarrison
    AlisonHarrison Posts: 181 Forumite
    Ellie, thank you for your PM.
    Still cannot pm you. I wonder if it is because I do not have many posts or I just joined?
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