Disgusting credit cover which is useless

Wish i could actually give you minus 5 stars...

My wife unfortunately banked with you guys , she recently lost her job . Though she had all the credit life cover etc you guys could offer she is now in a problem. You guys look for every reason NOT TO HELP OR COVER WHEN THE NEED ARISES .She paid you for 9 years(nine years) never using the cover once. When she needs to use it she was sent begging from pillar to post. She works in Payroll...and needs a credit check done for any job she applies , but you guys have handed her over to attorneys and will eventually blacklist her. So not only have you deducted money from her for 9 years(which she has never used) , but you want to ensure she is never employed in the future too . YOUR CREDIT LIFE COVER ISNT OPTIONAL...IT IS FORCED . But she has to beg and write motivating letters for something she actually paid and that you took from her . You want her to literally beg you for any assistance. What actually happens to the moneyary amounts you deducted for nine(9) years....just gets put into your bottom line? I think each matter should be handled individually and on merit...not with a blanket approach. Your bullying tactics are disgusting. Im sooo glad i dont bank with you guys as you have no sympathy or compassion.