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Jenny, Solicitor
Category: Law
Satisfied Customers: 6466
Experience:  Qualified Solicitor specialising in Employment Law and general legal matters. Please start your question For Jenny Only
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In February I was paid out critical illness cover.

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Hi, in February I was paid out for my critical illness cover. This was confirmed in writing and verbally, yet the company have since said they made a clerical error and want me to pay back £23,000!! Their reason is that the illness I claimed for, although life threatening and nearly killed me, was only worth 20% of my policy cover. There has been numerous correspondence, I have asked again and again for facts as to how this happened and how they now feel it's appropriate for me to pay this money back but they fail to answer my questions and instead have asked to travel to my home town to meet with me (which I have declined as I feel if is a threatening tactic) and then gone on to offer me two sweetners of £500 if I pay the remaining money back. I sought free legal advice who advised me this was ridiculous behaviour from an established company and to ignore their proposals. I've offered to meet them in court as I am adamant I am not to blame for their error, but I'm obviously afraid of getting into debt in order to pay the monies back. Where do I stand?? The latest letter I sent reiterated my questions they've so far failed to answer and explained that I'd be happy for court proceedings to be arranged if they see fit. I gave them 14 days to respond, 14th day bring tomorrow, otherwise I stated I was accepting the case as closed and getting on with my life and health. They haven't acknowledged my letter, let alone replied.
Do I take it I've won my battle??? Finally???
Hello my name is ***** ***** I am happy to help you today.
If they have not responded there are 2 possibilities, these are either that they have decided not to pursue the matter or that they have not bothered to respond but they will issue court proceedings to recover.
Legally if you have been overpaid and have spent the money they will struggle to recover if you received the money in good faith, i.e. with the belief you were entitled to it.
You can also report the insurers actions to the financial services ombudsman who deals with pensions complaints.
If you have any further questions please do ask. If I have answered your question I would be grateful if you would take the time to rate my answer. Thank you and all the best.
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