The first thing we would like to make absolutely clear is that you can pursue the complaint yourself free of charge and without the need for professional representation.
However, whilst we cannot guarantee you success what we can give you is the benefit of our considerable experience in not only understanding the regulation but in providing a professional bespoke service. We also have the benefit of using our experience of previous cases to help with your claim.
Anyway don’t just take our word for it. Why not contact some of the clients who have used our service and ask them how they could have coped without our assistance.
The first thing we will ask you to do is to complete our terms of business and an authority form. You can access both by downloading our Claim Pack. The terms of business set out what is expected from us and what is expected from you, as well as confirmation of the charges. The authority will allow us to contact various third parties as part of our investigation.
Once we receive instructions from you we will be acting on your behalf. We will begin by obtaining the relevant point of sale paperwork and then submitting details of your concerns to the insurers or other third party. In line with FSA rules they have 5 business days in which to acknowledge the complaint and are obliged to complete their investigation within 8 weeks of receipt. If the complaint is not resolved within 4 weeks they are dutybound to inform you of the progress made and the likely timescale to finish their enquiries. If the investigation is still not complete after 8 weeks the third party must inform you of your right to refer the matter to the Financial Ombudsman Service.
In the event that the investigation is completed by the third party and a final response letter is issued by them we will assess this including any offer made to see if we consider it to represent a fair and reasonable resolution to the concerns raised. We will then either recommend accepting it or refer the matter to the Financial Ombudsman Service (FOS) on your behalf if we do not believe it be fair or reasonable. We will continue to correspond with the FOS on your behalf until a resolution is reached.
Professional Introducers Scheme
At Life Policy Reclaim Ltd we appreciate that the investigation of life assurance and investment mis-selling is a specialised area and as professionals in other fields such as accountants, solicitors, estate agents you may have clients you wish to refer to us from time to time.
We are of the view that considerable scope exists for business and with this in mind we have a professional introducer scheme in place, further details of which are available upon request.