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I took out life assurance with Scottish Provident in the late 1980s in connection with a property purchase. The sum assured was £50,000 and the policy was to run until my 65th birthday on 27th January 2014. All premiums (approx £25 monthly) were paid by direct debit from my NatWest bank account. Last January when I was preparing my self assessment tax returns for the tax year 2004/2005, I noticed that these payements had not been collected since July 2004. My wife telephoned Scottish Provident, and was told that it had become compulsary for them to hold NI numbers for all their policy holders. They claim that a letter to me requesting this information had been returned marked ‘no longer at this address’ and that a letter to my bank had received no response. They stated that it would not be possible to reinstate the policy, nor could they provide copies of the letters alledgely sent to me or our bank (with whom I have banked consistantly since 1985), or even tell me to what addresses these letters had been sent. Promises to provide further information were unfullfilled. My subsequent calls and e-mails have received no response whatsoever. Help!