Name: Legal & General
Rating: 1.66

“I am writing so you can hopefully bring this issue to light as I know I am not the only service veteran this company has done this to . I left the royal air force after serving 15 years for which I was then entitled to my service pension at the age of 60 . When I left the service in 1990 I had various products with Legal and General and a member of there staff convinced my wife and I it would be beneficial to change my Service Pension to one of there opt out schemes he guaranteed my pension would be greater than my forces pension. I approached them to ask how to claim my pension as I am 60 next March only to be told I cannot have my pension till age 65 . My Royal Air Force pension would have been payable at 60 were I would have got approx £7000 per annum and a tax free sum 3 times my annual pension amount . My service pension is calculated by length of service / rank /trade . So not only do Legal and General say I wont get a pension till age 65 but will only get around £5500 per year and no lump sum , so my wife and I have been lied to and misled to cheat me out of my earned service pension . I have complained through there complaints process and told there is nothing they can do so I then called the Chief Exec but he refused to talk to me . I then asked for his contact details to be told NO . I then wrote to him at there head office only to get a responce from some one else . I then get a letter stating they have done nothing wrong and my pension stands as they told me .”

Helpful Report

Posted 6 years ago

“Have so many regrets using this company to insure our pet. They argued over a period of six months before paying out for our three valid claims. During this time we had to act as 'go between' with L&G and our vets as they claimed to be unable to contact them. Many excuses were used to try and avoid legitimate payment and we had to take matters further with the support of our vet until payment was made. No department communicate with each other and it had proved a very unpleasant and stressful time for my partner and I after the already heartbreaking situation of losing our much loved young Boxer dog. Unfortunately had to award one star as it doesn't accept zero. Avoid this company”

Helpful Report

Posted 6 years ago

“Your company is not good for people that smoke you so have a false information on Google. As it does not say that you wouldn't insure smoker's”

Helpful Report

Posted 6 years ago

“Been informed if you travel to Turkey legal and general will not cover you despite paying policy for 5 years so check with them what other countries have they on their list”

Helpful Report

Posted 6 years ago

“If I could give 0, I would , shocking long wait anytime I called ,staff communication with each other very poor ,worse with customer .I decided in the end not to proceed with making a small but very genuine claim as they make it nearly impossible to proceed .I have several different policies over last 15 years without ever making a claim with L and G ,will never re new again , disgusted !Daniel Chambers”

Helpful Report

Posted 6 years ago

“If I could give 0, I would , shocking long wait anytime I called ,staff communication with each other very poor ,worse with customer .I decided in the end not to proceed with making a small but very genuine claim as they make it nearly impossible to proceed .I have several different policies over last 15 years without ever making a claim with L and G ,will never re new again , disgusted ! Daniel Chambers”

Helpful Report

Posted 6 years ago

“On the death of my father legal and general refused payment of £4000 due for his burial fees leaving my mother upset and fearing how it will be paid legal and general showed no compassion what so ever . Saying dad lied to them about his illness which was copd but was only down as asthma . The truth is that is how it started but progressed to copd as the years went by PLEASE dont insure with legal and general look for a company that cares and is genuine to its customers death is a time for grieving not worrying that your so called insurance company are going to pay out .”

Helpful Report

Posted 6 years ago

“Absolutely appalling customer services. Had buildings and contents cover with them (paid monthly), they took a lump sum out of my account of > £100, which they couldn't explain and returned, then they stopping taking my monthly direct debit. When I tried to resolve this and ensure I had cover in place, I made numerous calls over a 6 week period, spoke to three different people (Gavin ext 3187, Jason ext 1385 and Sultana ext. 3287) and each time I was promised a return call which did not happen. Gave up in the end and went somewhere else.”

Helpful Report

Posted 6 years ago

“It started when I set up my over 50 plan. You got the wrong starting date and I was charged twice. I went to track down my gift voucher and was passed from pillar to post without anyone giving me a definitive answer only to be told that because I had inadvertently gone through a broker to sign up with Legal & General that my gift voucher was null and void and I wouldn't be getting it. Even as I was looking for the "best company" to go with, no where did it state that I would not be getting the advertised gift voucher if I went through a broker. I also have home insurance and my wife has just taken life cover with Legal & General, which I will be looking to change. My complaint is not because of the money (£85 gift voucher) but more about the misleading way the voucher was advertised and about the fact that from the very first phone call about not receiving the voucher no-one seemed to know (or wanted to tell me) how this system works. Very disappointed with this.”

Helpful Report

Posted 6 years ago

“Had a poilcy for 6 month, tried making a claim they said ok grounds for claim! Then told i have not paid for the poilcy i told them i have paid up front they was adamant i never! Then they said i had to email a copy of my bank (really)statement????? I said no complained after many phone calls they admitted blame and apologised to me. The claim was for a damaged phone! I had to buy a phone due to i need it for work give up in the end! I was more concern over my house and if something happened. They gave me £50 compensation been with them a couple of years not any more such a big companie what a joke if i never persisted they would have got away with it!”

Helpful Report

Posted 6 years ago

“Warning !!!!! Avoid buying anything from legal and general at all costs. I have a critical illness policy with them which they won't pay out on. I have been critically injured. they are a dishonest company and wriggle out of making any payments, they're quite happy to take your money but when you need them they're not there. Don't bother buy insurance somewhere else, disgraceful company without ethics.”

Helpful Report

Posted 7 years ago

“Don't touch legal and general. we have a life policy with them that was unfortunately swapped over from Scottish Widows to legal and general by Santander. L&G lie they get things wrong they don't respond to your letters or calls, when you do try and make a claim with them they refuse the claim and wriggle out on any grounds they can this company is a joke they haven't even sent our policy through and we have requested it numerous times. Rubish”

Helpful Report

Posted 7 years ago

“Put in a claim for damaged rhino flooring they use renew assessors and the cost if replacing with the same plus delivery fitting and lifting and taking away old vinyl is £440 told I'm only to get £250 less £100 excess. Your penalised for wanting a cash settlement to buy your replacement at your store of choice instead of from renew they say they can do the whole lot for that and we are pensioners and have to find £200 to make up the shortfall. I think this company is a disgrace”

Helpful Report

Posted 7 years ago

“I bought an endowment policy with them and dutifully paid my premiums for 25 years at the end of which they told me that their invements hadn’t performed as well as they had hoped and so they could only pay out 60% of what they had originally promised. I find it extraordinary that they can get away with such behaviour. We entered into a contract: I pay a fixed amoun set by them and at the end they pay out a fixed amount to me. Not: I pay a fixed amount set by you and at the end you pay me whatever you like! Quite extraordinary. I will never do business with dishonest, unprofessional L&G again.”

Helpful Report

Posted 7 years ago

“For my sins i ended up with legal and general.Having a car come through your garden and hit your front door and arguing with their surveyors BVS was a nightmare.It took them three months to tell me i wasn't insured for ornamental plant pots although BVS told me i was on the internal fittings which i thought was iffy.Their claims line is abismal you are on at least twenty minutes with no answer by which time you have hung up.Never again”

Helpful Report

Posted 7 years ago

“Can never get through to them by phone for anything, always wait over an hour and still they dont answer, will be cancelling my policy its ridiculous”

Helpful Report

Posted 7 years ago

“Claims/complaints are truly dreadful”

Helpful Report

Posted 7 years ago

“Had a major water leak and they offered a measly £400 towards a £1500 bill to fix it. No point having home insurance with them, they find a Clause in your policy to not pay. Taking my case further now as I know another family who have taken them to court with a similar care and won. These big, well known companies are robbing innocent people”

Helpful Report

Posted 7 years ago

“I bought a life insurance from them and I qualified for a gift card at Marks and Spencer or Amazon. I never received it. I contacted them countless times and every time they said they sent me the instructions to get in their possession by post. Lies. I wonder what credibility they still have in paying my life insurance if there is anything going on. Stay away from them. This company is a joke.”

Helpful Report

Posted 7 years ago

“Sent in an estimate for the cost of a repair which has until today not even been picked up I have had to chase them for an update, they have had it two weeks, Then the employee asked me if the quote included VAT which i confirmed yes but as it wasn't detailed on the estimate I have to contact the repair company and get another estimate showing the cost net of VAT Then they said they will not pay the VAT until the work has been completed. So now I not only have to stand the excess (accepted) but also the VAT and then repeat the process to claim the VAT back my claim is for £300 net of the excess hardly an excessive claim ! I dread to think if you were claiming for a large amount what you would have to stump up in the first instance for VAT before getting it back BTW sit in a comfy chair when trying to contact them you are in for a long wait !! Rubbish”

Helpful Report

Posted 7 years ago

Customer Service
Communication Channels	Email, Telephone
Queries Resolved In	Over A Week

Legal & General Reviews