liberty life cover Complaints - never pay out found ways not to pay and been 2 years now they want me to take their counter off or pay me back my premius

took up a policies with Lberty around 4 years now I picked up a condition about 2 years now. when put a claim to them they are holding me to non-disclosure due to me GOING to my GP FOR BACK PAIN AND GIVEN PAIN MEDS 10 YEARS BACK .THEY WANT TO ONLY PAY 10%IF I ACCEPT THE OFFER OF HAVING MY BACK AND SPINE EXCULED FROM MY COVER.I TOOK IT UP TO OMBUDSMAN WENT ON FOR 2 YEARS NOW THEY SAY ITS BEEN TO LONG AND WILL CANCELL MY POLICIES AND PAY ME THE PREMIUMS PAID LESS THE COST THEY PAID TO GET MEDICALS WHICH THEY ASKED FOR

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