Great! Thanks for your help

Hey, thanks for the info! Another wee question if you don't mind? Could I use that single premium policy spreadsheet if it wasn't lumped in with my mortgage? (if I've understood the explanation in the link correctly) Would it be classed as a single premium policy or could I just delete that bit from the title of the speadsheet or change it to something else? Thanks again! Sandra

Hi dx100uk, Thanks for replying so quick! No, not linked. I already had Building and Contents insurance from my original mortgage. So do you reckon it's ok even if I still have the policy or should I cancel it before I make a claim? Also do you know if I should contact the the advisor or the provider please? Thanks for you help! yeah, I feel a bit silly as it's been £16 a month for 10 years... definitely feeling fleeced Thanks, Sandra

Hi Everyone, I’m wondering if someone can help please? I re-mortgaged my flat in 2005 through Countrywide and the mortgage adviser told me that I had to take out a Mortgage Protection Plan as it was necessary for me to get the Mortgage but now as I understand it isn't. The Mortgage Protection Plan summary says its Life or earlier Critical Illness Cover (decreasing) which is with Friends Life (used to be Friends Provident) and as I understand it Countrywide and Friends Life are affiliated (if that makes a difference?) I had buildings and contents insurance at the time, so I think that means I had enough coverage... I still have the policy and all the paperwork even though I changed Mortgage provider in 2008. Does anyone know if I can claim this back as miss-sold and if so if I should contact Nationwide or Friends Life please? Really appreciate anyone’s help! and sorry if I'm in the wrong place! Thanks, Sandra