I have got into debt and can’t pay bills due to Royal London delays

The City of London skyline. Royal London doesn’t sell annuities, but, instead, it markets them on behalf of other firms. Photograph: Thomas Krych/SOPA Images/REX/Shutterstock

In November I applied for an annuity from Royal London, and was told that the processing time would be four to six weeks.

After five weeks I was told there was no progress and that it would take “as long as it took”. I formally complained in January, and have had no reply from that.