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1. There is no obligation under the Motor Insurance Acts to return policy documents where a policy is terminated before the end of the policy date. You can make a complaint to the Financial Ombudsman at www.financial-ombudsman.org.uk in relation to BE WISER's conduct in this regard in writing you threatening letters over the issue. Additionally, as there is an unexpired portion of the term of the insurance policy left, you are entitled to the refund of your money which was said to your by the lady you dealt with. Accordingly, you should initially write to BE WISER and request your refund and state that you have no policy documents. If no refund arrives or a further request for the policy documents is made, then you should complain to the Financial Ombudsman. Be aware that it is a pre-requisite to making a complaint to the Financial Ombudsman that you have given BE WISER an opportunity to sort out your grievance. So write to BE WISER at the outset.
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