emerged to be untrue in some cases and still contested in others; more specifically, some policy holders who were initially wrongfully denied payments have already had to be paid, while other policyholders are bringing proceedings against the business on the basis that the Financial Conduct Authority test case in 2020 did not conclude all of the issues. One policyholder involved said early on: "They have quite happily taken the premiums for the last 15 years but the one time I need it I'm not going to get any help off them ... It's disgusting". By April 2020, the mutual's claims not to owe these policyholders were being questioned in evidence to the House of Commons Treasury Select Committee. In 2022 (following the handing down of the UK Supreme Court decision in the FCA test), plans to bring proceedings in a group action against NFUM with Penningtons Manches Cooper LLP acting as solicitors were announced. A lawyer involved said: "We expect this represents only a very small number of potentially hundreds of NFUM policyholders possibly affected". Commenting on this situation an impacted policyholder has said: "[i]n good faith, we paid our premiums to NFU Mutual for years to protect us ... we reached for the comfort and the security of the longstanding relationship with NFU Mutual and it turned to total ash." In a Chartered Institute of Insurance podcast at the beginning of the pandemic in May 2020, a director of the NFU Mutual, Nick Turner (at the time sales and agency director, and subsequently CEO) stated that:Trust is important everywhere in insurance ... We have a product which is a promise essentially ... So many people's lives and businesses have been affected in tragic and possibly permanent ways... If you haven't written a policy wording very precisely to protect the insurance company and bring clarity to the consumer, then that is where the problems lie... We [will] have to work to renew trust with certain customers [who feel they have been let down], it will be challenging this is going to run and run ... if [the issues around policies we have sold have put policyholders] into incredibly difficult positions or even administration, nothing is going to put a smile on [their] face Turner accepted that putting policyholders in this situation was likely to have harmed their welfare and mental health in this same podcast, a point reiterated in commentary