I spoke with my Namath nick from hesta yesterday again and queried again about my income protection and to cut a long story short I actually used to have it attached to my super but it was cancelled in 2003 and I said to him there’s no way I would of done that and so he offfered to investigate it for me and apparently it was cancelled by hesta not me as I didn’t have enough money in my super account but here’s the twist.... the letter they sent me let me know it was about to lapse was sent to an address I’ve never lived at and so I never received it in the first place! I told him if I did I would of actioned it and put contributions in myself as my kids were only small then and I’d just started my nursing career and would not of let it lapse. He said that hesta won’t come to the party on bacjk dating it and he will send me a letter saying the same as he said I should of checked my statements more carefullly after that time but he said then I can go to the ombudsman and complain I said I’d be doubtful that they would be in my corner on that one but I’ll give it a crack anyway. Keep me posted on all your stuff. I finished my letter to Susan lamb it’s a bloody document but it’s all n there!, Margie xx