Total mortgage protection

[Suze58]

I could really do with a little help ....

 

I was taken really poorly last year and claimed my insurance for my mortgage which they paid for a year ,

 

when I was diagnosed with a critical lung condition which has stop me from returning to work

 

I tried to claim my critical illness cover under my total mortgage protection cover

and they informed the respiratory diseases are not covered in my policy although it is a total protection

 

I was under the impression as it is a total cover

 

I have paid this insurance for the past 20 years and feel I have been miss led

 

please could somebody help as I'm now in danger of losing my house thank you

[maroondevo52]

Hello and Welcome,

 

I've moved this thread to a more suitable forum where hopefully you'll get some advice shortly.

 

Regards,

 

Scott.

[Suze58]

Thank you

[dx100uk]

i'd look at getting all these payments back under mis-selling rules just like PPI.

 

must be worth £1000's with the interest they charged too.

 

dx

[Suze58]

Yeah thanks I was wondering if that was possible with already claiming on it

[dx100uk]

yes you just deduct what you have received from your claim total

 

have you all the statements?

 

dx

[Suze58]

yes you just deduct what you have received from your claim total

 

have you all the statements?

 

dx

 

I have, do I enquire at one of these ppi solicitor ?

[dx100uk]

no way

 

its easy and you can do it yourself

 

you DONT need any solicitor or special powers.

 

ifyou use one of those

it'll cost fees

 

and +30% of your reclaim.

 

this can be treated as a std PPI reclaim.

 

there a quite a few thread here about mis-sold life insurance too.

 

dx