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Hello my name is ***** ***** I am happy to help you today. Have you raised any formal complaint about this?
and what was the outcome ? Have you used the official complaints procedure? Is it your view that this has been in some way missold?
Ok what outcome have you sought from your complaints?
I'm not clear are you saying that it is your fault and that you ought to have realised that there was no financial benefit to this insurance?
Hello my name is ***** ***** I will help you with this.
When you started the Policy, did it not say what the value would be at the end?
Did the documents tell you what the maximum benefit would be?