Hi all, thanks again for your replies.
To the poster regarding DD: Not I didn't have the banks acting on my behalf, I did the bank account change myself.
I got this reply from them regarding letters:
''In relation to your query I can confirm that letters were sent to your correct address & to your broker XXXXX on the dates advised by my colleague and I have attached these for you to view.
There would be no requirement to have these reminder letters sent by registered post as we do give sufficient time for the payment to be made before a plan goes out of force and we do send more than one reminder letter.
I do agree that having Life Cover in place is a serious issue and therefore I would stress the importance of you completing & returning the forms sent to you by my colleague so that we can out your plan back into force as soon as possible.''
I didn't get anything from my broker, but maybe that wouldn't be standard.
I've decided to just fill in the form and see what happens. I am a lot calmer now and I was thinking that maybe somewhere down the line after paying for years the policy could be void as I am hoping to get on to a new drug trial and that would probably be classed as something against the t&c's..
With every cloud... I got some great news today about my mortgage which was also behind