Mr. William Prasifka:

I am fully aware of this. The typical insurance complaint we receive, whether with regard to payment protection, home or motor insurance, is the claim was not paid and the claim only arose recently. The question which must be examined is the reason for this. The difficulty we have is if the reason given is that the policy was missold, we must go back to the sale, and if it is beyond the six year rule, we cannot deal with it. What we can do is deal with the issue of whether the policy was administered according to its terms and conditions, but if this is not the complaint, and the complaint is missale which took place more than six years ago, we have no legal ability to examine it.