********** for a legal policy

So Hollard's sales office calls me a few years back and sells me a legal policy, in case I find myself needing an attorney. I pay them premiums for 2 years and the first time I call to claim, they tell me that I'm not covered for what it was that I wanted to claim. I dispute this fact and they tell me that they have called for a transcript of the original sales call, wherein I was told of this. Do you think I've heard a copy of the call.......NO!! Anyway, I said to them - that's no problem - presumably you sent me a policy document that covers everything and confirms that I was warned that my claim would not be covered. They claim to have sent me a policy document, but I have never received one. Isn't that a bit of a joke and a *******. I've been paying the premium for 2 years now and the first time I try to claim, they repudiate it. I suggested that they refund me all my premiums then, as I feel that I have been misrepresented to. Do you think I have received back my premiums.....?? NO. So they obviously need the cash more than I do, but at least I get to tell everyone that I was ********** by them, in exchange for those premiums taken, via misrepresentation. Don't buy the Hollard legal plan - it's *******.