Friends First are the market leaders in this area btw.
Sorry if that last part want very clear, I'll try to explain better:
I saw their CMO for a different claim entirely (credit card payment protection) & at this time he said that he had no doubt that I had M.E. & was unfit for work, however , when he looks at my file for this claim (PHI), he said that I am fit for work. The amounts of money involved in the two claims/policy would be very different as the cc one was a small amount, whereas the PHI one is 75% of yearly salary.
A doc whom I saw at their request said that he doesnt believe that I have M.E. - and this is the main bulk of their evidence.
Because there is no specific test for M.E., it is easy for claims to be denied unfortunately.
Thanks again for your reply.
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