Lack of Coverage and Response

Told Liberty that I was emigrating and asked that I be sent my T&C that cover this topic. 6 Months later I started pushing for a answer by contacting different departments . Eventually the underwriters told me i wasn't covered for all that time, i.e should something have happened to me I would not have been covered .Despicable ! Now they are delaying my cancellation , seems to be a common trend .