******* **** refuse to pay my wife on the maturity of the unit trusts she's been paying into for the past 40 years on a policy sold to her by her Father in 1973, why? Because she has Alzheimer's disease and can't sign the form to say she wants her own money! In the meantime what happens to her investment? ******* **** keep it! Do they add interest to her inaccessible nest egg? You bet they don't! Well at least they will pay her sister who is the policy trustee when the inevitable happens, that's some consolation then, when she needs it the most she can't have it! Do ******* **** treat me like a half baked alien when I try to resolve the situation over the telephone, are they helpful, what do you think? "sorry sir I can only speak to the policy holder", is there a way around this problem? Oh yes I spoke to a local solicitor who tells me I can obtain deputyship allowing me to claim the investment on her behalf. The cost of deputyship? Around £2000 plus costs of a few hundred quid! Well there is a lot of paperwork involved! Is it worth it? You bet it's not! Makes you proud to be British doesn't it! Would you take out an investment of this duration knowing this could happen to you, no I didn't think so! Makes you wonder how much unclaimable cash is sloshing around in the coffers of our great investment institutions doesn't it? Investors beware, this could be you and yours! Does being married for over 45 years and only having joint bank accounts mean that I can help in this situation and act in her best interests? No you bet it doesn't! Surely this is discrimination against the most vulnerable members of our society, surely it's a breach of their human rights? Do you think this makes me so mad I can't sleep at night because among other things the blatant injustice of it all is on my mind? What do you think? Keyed in at 3.15am.