Thank you all for your response. When I say ex wife , I mean to say we have separated , she insist I file for divorce. She knows there are no grounds for a divorce,and then the costs would be down all to me. I think contacting FRIENDS PROVIDENT and having copies of all relevant paper work is very good advice. Thank you

At this late stage the only positive out come would be to receive what I'm owed , we are talking about £25,000. As sneaky and back handed as It is, seeking criminal charges will only make me look like the ogre here. My next step is what to do from this point??

Dear Friends I have found myself in murky waters. Married in 1990 ,Upon purchase of new house in 1992 wife and I took out Life assured policies for ourselves. Both polices in both names. As main breadwinner I paid for both premiums. In July 2010 my dear wife decided marriage wasn't what she wanted any longer so she abandoned me and the family home. After two years she demanded I sell our house and split the proceeds. As of March 2012 I was struggling and the premiums on our two policies were in arrears. At this point my wife took over paying the policy premiums. I knew that one of the policies matured in March 2015, the second policy maturing in May 2017 . After the mature date in March 2015 I have't heard anything from the FRIENDS PROVIDENT or my ex wife . Recently I spoke to the financial adviser who helped us take out the original policies and he produced copies to show both policies had been cashed in. one in August 2012 the other Sept.2012 . Since both policies were in both our names, both signatures would have been needed to cash in both policies. And I never signed anything of the sort .Doing so at a premature date would result in a shortfall. Who would knowingly do themselves out of a larger cash payout at the time of matured policy ? So I'm not sure what direction I need to go. So just to recap, March 2012 ex wife takes over paying premiums on our joint policies. August 2012 and Sept 2012 both policies cashed in. ??? What would you do ?