Fraudulent trading practices. Fraudulent 5 star reviews. If there was ever proof that the devil exists it's this company. Don't bother taking your complaint to the Financial Ombudsman Service (currently being advertised on LBC Radio) they are a tax payer funded bunch of corrupt mobsters and ill educated morons placed there to drain your time and energy and stop you getting your money back from these monsters. Go straight to small claims court and try your luck there. https://www.gov.uk/make-court-claim-for-money Also consider writing to the current board of AXA: Jeremy Peter Small Robert Becker Debra Jane Davies Claudio Gienal Peter Frank Hazell Michael Richard Jackson Laurent Matras Mark Andrew Pain Johnathan Paul Walker Johnathan Scott Wheway All of these animals share the same correspondence address and need telling what for : 5 Old Broad Street, London, EC2N 1AD