Scottish Provident CIC

tloftus

Good evening
I wonder if you may be able to help me.

Following a heart attack in November 2006, I made a claim on my critical illness insurance which was subsequently rejected and the policy made void by the insurance provider Scottish Provident. The reason was my financial advisor who sold me the policy, back in January 2005, incorrectly filled in the application form. This claim was substantial.

At the time I applied for this policy, I also applied for income protection, through the same financial advisor. I completed the majority of this application myself, and all the relevant information was correctly entered. Following the completion of the income protection form, the financial advisor made some excuse and said that he needed to end the meeting early, he said that all the information to complete the critical illness application form was on the income protection form, and that he would be able to complete the form at his office the following day, reassuring me that it was usual practice for IFA’s to do this and persuaded me to sign the form.


I have acquired copies of all correspondence and application forms completed through this advisor. Analysis of the critical illness and income protection application forms show clear differences in hand writing, which supports the fact the financial advisor completed the application form not I.

I am at a loss in how to progress this further, please could anyone advise me on who I should pursue for the settlement of this substantial claim? And, how I should progress the issue further.

Thank you in advance.

Regards

tma17

Aim for the Financial Advisor - sue that person... if that person has any qualification at all, he/she must abide to strict rules which he/she obviously didn't do!