Shepherds Friendly Anmeldelser 947

For the past two years I have been paying an amount of £35 a month in anticipation of myself going into surgery for a torn ligament, only to be told that they will now no longer pay out and will refund me my money I have paid already as I'm physically unfit to claim what I was paying in for.

Quick update for you Shepherds friendly all my information was correct at the time of signing up 2 years ago and things change each year I know at the moment I am physically not fit for work as I have had surgery I can not put any pressure in my left foot I can not walk with out the use of crutches.

Shocking service do not use

I didn’t expect to have to wait for my interest23

Very good so far but it's early days as to how the investment progresses.
Hoping for a decent return.

This is the second Junior ISA I have taken out to save money for my two daughters. Easy to do and friendly staff a telephone call away. Highly recommended.

A bit of confusion with money going into my account instead of my wife's, but all sorted with a phone call. A shame that joint accounts are no longer available.

I have given 3 stars as I can only comment on the opening up of the Child’s ISA. This was a simple and smooth process.

I can’t give 5 stars as I don’t know how the customer service would be if I had an issue.

Easy to open the account. Very happy with the £100 cash back into the sccoubt!

Dissapointed with the outcome of income protection claim which was rejected due to other medical reason not related to actual claim. I was paying premiums for 4 years and been genuine customer who took the insurance in hope to have that support when and if needed. Claimed for physical illness, but refused payout for completely different reason. Really unfair and hurtful decision which left me stranded. I would not recommend as your claim would be turned down when you need it the most! I would understand if my claim was related to something i have not disclosed/agent not marked while taking out the policy, but reason for my claim was completely different and genuine.
*** update to your response***
My claim was not related to the issue described... therefore I feel i have been missold and cannot use the policy while I need it... and I do need it...

Hvery easy to set up even on a phone

We are very grateful for the assistance we have received with our online account enquires. The account is simple and quick to set up with intelligible and understandable terms and conditions for a mother of twos. Once again, our many thanks indeed.

It was an straight forward. I find it easy for me to follow the prompt and it's time efficient I thought it would take me long to apply I say this because some of the system being used appears to be a bit complex

Good service

The company itself are very good! But the website! Very different experience, my password doesn'twork, then I reset it, it says it matches I go into log in again, then it doesn't work - it doesn't match or fit the conformation.......so I try and download the app....then my ISA number also doesn't work!

The website and application form was very straight forward, in minutes everything was done. The rates were the best at the time and I even got a £10 voucher as a thank you which I didn't even expect.

I have found being able to deposit money with the Society challenging I am still sitting with £2000 waiting to be added to my account so let's see if anyone actually reads this and contacts me

Signed up to shepherds friendly via top cashback and opened a stocks and shares ISA on 28th January. Did everything properly, have been funding the ISA for a number of months now and was notified recently that the topcashback offer which I signed up for has now been declined. What a waste of time. From the looks of the review this happens quite often so I personally wouldn't bother to sign up via topcashback or Quidco as it's likely they'll try and weasel out of paying you what they say they will.

I have been paying into my Shepherds Friendly income protection policy for 8 years. I had reservations regarding this company, prior to my claim, due to the twice yearly increase in premiums (inflation and age). But, I remained a loyal customer hoping that in the event of ever needing to claim, I would be in good hands.
Fast forward to 2025 and I unfortunately have had to make a claim, due to a work related injury. Shepherds Friendly did pay out, following my 4 week deferred period, so that was good! I did have to jump through hoops though and they tried to dispute my job title! They also expect you to wait 15 working days, every time you email them! They have since caused me untold amounts of stress, worry and anxiety, at the worst time! Financial security and confidence in the system, is not negotiable in circumstances like this and frankly, Shepherds Friendly's payment process and customer service is terrible! I will add here that my GP is equally as atrocious! I have been firmly stuck between the two services, whilst they play the blame game! Meanwhile, I am left worrying how my bills are going to be paid and I am expected to find money to cover my bills, until Shepherds Friendly decides how much and on which of their two pay run dates, they plan to pay me! Or, as has been the case more than once now, instead of paying me the full amount on the 20th, Shepherds Friendly pays me a percentage and then owes the rest to me on the 5th of the following month! This is why I continue to have to fund the difference myself and therefore this asks the question, exactly why have I paid into this policy for the last 8 years?!! I have provided Med3 certificates one after the other and back dated where applicable i.e. (when the GP has struggled to complete this simple task!). There have not been any gaps in my Med3 certificates what so ever. I have kept them up to date as much as I possibly can. But Shepherds Friendly are now disputing owing me over £300!! They have also paid me for 15 days at a certain figure, only to now be paying me 15 days at a lower figure, despite the daily rate being unchanged! I have emailed them, but of course I need to wait 15 working days! I have phoned them, but I prefer things like this in writing and it's a good job too. I have requested to speak to a manager (but I guess I need to wait 15 working days!). That's ok, I will see if my mortgage lender minds waiting, or perhaps my children could go hungry for a few weeks! They say charity starts at home .... well, once this is all over, my premiums are going into a high interest savings account and lining my pockets instead!

Thank you Shepherds Friendly and of course we must not forget to thank the NHS for their outstanding performance!

**Despite having a 'waiver of premium' on the policy, having no gaps in my Med3 certificates and providing the next Med3 certificate 'within 7 days of the previous one expiring' as per their terms, (in fact I always provide the next Med3 certificate within a day or two of expiry). Shepherds Friendly have collected the premium TWICE now (April and June)!! More money that they expect me to have available. What is the point of having the waiver of premium in place?!! Shepherds Friendly (name not allowed to be highlighted, only in positive reviews) assured me that the premium for June would NOT be collected, but it has been taken from my bank. All they say is 'it will be refunded' and it's down to their 'automated system'. Well perhaps they need to update their 'automated system' to a system that reads the Med3 certificate dates, that I have provided within the correct time frame!! It's not the point anyway!! It's all a load of rubbish. Poor excuses for them to make money out of people in vulnerable situations. Well, luckily for me and unluckily for them, I check my bank and it will not go unnoticed and I will receive what I am owed!! It should not be collected in the first place with a waiver on the policy and they have up to date Med3 certificates on file!! So I now need to send another email and wait 15 working days potentially for someone to reply and then wait however many days to receive the refund of my premium (for the second time)!! Appalling customer service!!

** UPDATE 25.8.25
SF have been incredibly difficult to communicate with and treatment (**after I raised concerns) boarders on harrassment. I raised concerns regarding not receiving the full claim amount, despite meeting all of their terms and not having any gaps in my medical certificates. I had to fund the loss several times, defeating the object of this policy. 'Suddenly' SF felt the need to request medical evidence/payslips etc (that I had already provided) and asked ridiculous questions not even related to my
injury! They put pressure on me to return to work, with no reply to my email dated 20/7/25. No other questions clearly! 🤣🤣

Good rate that I caught as it's fixed but went down next day so I was lucky. Super easy process to open. Would prefer a couple of things: 1) the ability to send a small transaction first before sending the bulk of money. The fact you could only send one transaction for this product would put me off using it for a very large amount. 2) the ability to log into an app and at least view your account rather than rely on just an email.

Easy to use, easy to talk to someone.