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Ash
Ash, Solicitor
Category: Law
Satisfied Customers: 10916
Experience:  Solicitor with 5+ years experience
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On applying for a mortgage in 2003 I was told categorically

Resolved Question:

On applying for a mortgage in 2003 I was told categorically that I would not be given a mortgage if I did not take out payment protection/critical illness insurance. this was the only reason that I agreed to take the insurance. Could I claim for the mis-selling of this policy.
Submitted: 3 years ago.
Category: Law
Expert:  Ash replied 3 years ago.

Alex Watts :

Hello my name is XXXXX XXXXX I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply as this is not an ‘on demand’ live service, but rest assured I will be giving your question my immediate attention upon return. There is no need to wait here, you will get an email when I reply.

Alex Watts :

Yes indeed.

Alex Watts :

If you did not want it or need it then you could claim back the cost of this

Alex Watts :

You would first need to write to the lender and make a formal complaint

Alex Watts :

This will be investigated by the complaints department and the lender will formally respond.

Alex Watts :

If they find for you, then indeed you should be able to claim back payments.

Alex Watts :

If they do not uphold your complaint then the nest stage is the Ombudsman

Alex Watts :

They offer a free and independent service and can investigate your complaint

Alex Watts :

But they wont do that until the bank have given a formal final response

Alex Watts :

Their website is: www.financial-ombudsman.org.uk

Alex Watts :

They should be able to resolve matters for you

Alex Watts :

Can I clarify anything for you about this today please?

Ash and other Law Specialists are ready to help you