#NicsFight FRIENDS LIFE FORCED TO PAY OUT after refusing to honour critical illness policy over pins and needles

Friends Life ignored huge public outcry and refused to pay out the Hughes family on a life insurance policy on an irrelevant technicality.

Friends Life ignored huge public outcry and refused to pay out the Hughes family on a life insurance policy on an irrelevant technicality.

Following an investigation, the Financial Ombudsman wrote to Friends Life this week. The Ombudsman told Friends Life that Nic Hugh’s Critical illness policy should never have been canceled and should by paid in full. Friends Life have accepted this decision and will finally do the right thing, honouring the policy and paying his widow £100,000 after canceling his critical illness policy due to pins and needles. To their credit, Friends life are accepting the Ombudsman’s recommendation without further dragging out this case to a formal hearing. But I’m sure this is only because they finally understand they are beaten.

Friends Life have been defiant in their refusal to even consider this case and meet with Nic’s family following their refusal to pay out on this policy late last year in a spectacular display of greed, incompetence, insensitivity and arrogance.

Nic Hughes, pictured above, was diagnosed with cancer of the gall bladder last year and died last october. Instead of spending his final weeks with his wife, Susannah and 8 year old twins he instead used his final breath fighting a battle with the morally repugnant insurance company.

Friends life refused to honour Nic’s critical illness policy on the following technicalities.

1) His GP had advised him to reduce his alcohol intake.

This record was a mistake, Nics medical records show alcohol consumption of just 20 units a week – The NHS recommended weekly allowance is 21 units.

2) He had reported pins and needles to his GP but had not disclosed it when applying for the insurance policy.

Nic was diagnosed with Ulcerative colitis, which he disclosed to Friends Life. In return for his honesty he paid hugely inflated premiums. Pins and needles is a text book symptom of Ulcerative colitis so, in effect this was already disclosed.

Nic’s consultant Consultant oncologist Dr Rubin Soomal, of  Ipswich Hospital, stated that neither alcohol, nor pins and needles were in any way linked to the death of Nic Hughes. Both Dr Soomal, and Nic’s GP confirmed that there was no link between alcohol consumption or pins and needles and Nic’s final illness and death. Both Drs attacked Friends life for using two irrelevent details out of context as a pretext to refuse the payout.

Basically, Friends Life were just looking for any way out of paying. They most likely pay bonuses to staff observent enough to notice these minor, irrelevant technicalities.

Kester Brewin, a close friend of Nic’s started an online petition to try and persuade Friends Life to do the right thing. To date, this petition has received over 63,000 signatures and the campaign has attracted the support of celebraties such as Stephen Fry, Russel Brand and Miranda Heart. Despite being aware of the public outcry, Friends Life refused to meet with the family to discuss the case any further, stating that the case would need to be referred to the Financial Ombudsman if the family wanted to take it any further.


Miranda Heart Supports Nics Fight

Stephen Fry Supports Nics Fight

Stephen Fry Supports Nics Fight

Friends life executives even refused to receive delivery of petition in person in a magnificent display of arrogance and insensitivity.

Friends Life said almost nothing throughout the whole #NicsFight campaign, but they did say two things:

– That the dispute should go straight to the Financial Ombudsman, and

– That they would do all they could to fast-track this process.

So you can imagine the anger the Hughes family feel when all they get from the FO – who have been brilliant keeping them updated – is ‘we’re still waiting for documents from Friends Life.’.

In short, Friends Life have been dismissive, arrogant, insensitive and Rude. They forced Nic and his family to spend his final days locked in an unnecessary fight instead of enjoying their last moments together. They have have added to his families hardship following his death since, as well as enduring the grieving process, they must also deal with the financial hardship and uncertainty that Friends life have inflicted on them.

Through all this, the most ridiculous thing is, Friends Life have irreversibly damaged their brand because of their appalling handling of this case. The sorded details of this case will remain on the internet for ever, they had so many chances to see sense and do the right thing, and now they are being forced to, there is no going back.

Kester has done an amazing thing, both for Nic’s family and for many many other people who now know not to trust Friends Life with their policies. He has been a fierce friend to Nic, and I truly admire his determination to see Friends Life do the right thing.

I now wish Nic’s Wife, family and friends peace. I hope that now this nasty business is resolved, they can begin to put it behind them. I also hope Friends Life feel the full force of karma. The 100k they are being forced to pay is only the beginning.

Read my original blog about this case here: http://www.mevsworld.co.uk/2013/02/06/friends-life-refuse-payout-nicsfight-nic-hughes/

RIP Margaret Thatcher – A PM that will be remembered for generations to come.

Margaret Thatcher pictured with children, Carol and Mark

Margaret Thatcher pictured with children, Carol and Mark died today aged 87.

Rest in Peace Margaret Thatcher. The PM who still divides a room full of people, and indeed the whole of the United Kingdom down the middle, I doubt John Major or Gordon Brown will ever have that effect.

Don’t misunderstand me, I’m not a fan of some of her actions and I’m under no illusions, some of the things she did caused deep, irreversible damage, however she did have a fierce loyalty to her country and its people, a quality no one in the cabinate today possesses.

Recent documents have revealed a human side she hid, she shed genuine tears and felt real responsibility for loss of life in the Falklands. By contrast, Tony Blair will never feel anything for those lives lost in Iraq.

Its a tough balance make a decision you believe is for the best, then backtrack at the first sign of public resistance; the media will swoop on you for being weak, confidence will falter and, if it was the correct decision after all, you’ve just made the country a worse place for the people who voted for you by not pushing through the resistance. Carry on regardless, despite public outcry and accusations of arrogance, not listening to the people and being out of touch will surely follow. It seems to be that a politician can never really win.

Lets try to remember historical context while making judgments on her decions, many of which we will judge out of context given the time thats passed. Lets try and stay balanced and respectful to someone who dedicated her life to her country.

Maldives: Girl of only 15, suffers sexual abuse and rape, then is sentenced to be whipped 100 times in public!

Paradise holiday destination, or home of abusive, cruel government who torture underage rape victims?

The Darker Side Of Paradise, 15 Year Old Rape Victim Sentenced to 100 lashes

Probably the most disgusting story of inhuman, corrupt behaviour by a so called civilised government and its legal system. A victim of horrific abuse such as this.

The girl’s stepfather raped and abused her for years, he even stands murdered the baby she had and buried it in the families garden.

She will be massively psychologically damaged by these experiences and any civilised, modern society needs to understand this. Using heavy handed interrogation tactics, not protecting the victim from her abusers and, worst of all sentencing this girl to a public flogging for sex outside marriage is the behaviour of a barbaric, corrupt, wrong society.

Please sign this petition below let the Maldives government know about the global outrage and disgust these abhorrent actions have provoked.


If this story disgusts you as much as it does me, you can tell the Maldives embassy in London and tell them so:


President Mohammad Waheed of the Maldives is feeling global pressure on this, and that is what may well buy this child the support she needs. Without our voice, she would be condemned to suffer yet more abuse from her own government.

Its also important to remember that this is not an isolated case. This abuse prevails in all countries that enforce Sharia law, and we, in the UK and USA are asked to respect this barbaric, antiquated abusive set of rules! Wars have been fought and lives lost in the name of equality, freedom and basic human rights. Any attempt to undermine this must be stamped on with force.