Are there exceptions to 6 year limit?

[alunwilliams]

My first post - Action Group was seen on Martins Moneysaving expert.!

When we paid off Barclays Mortgage, we discovered they had been charging a penal insurance cover for buildings. They defended stating they had been sending Mortgage Statements annually. These were never received as they had addressed them to "The New House". (We had been a bungalow that we converted into a House gave it a name and informed our branch and branch manager who visited many times over the years on various matters. All our current account, savings statements were correctly addressed.

They would not entertain a refund unless we could provide all buildings insurance details year on year. It was and is my habit to get competative quotes from year to year and move to different companies I did have details of our cover for a couple of years but not all.

Time has passed (nearly 6 years) since I was aware of their error. Can I still go after my money?

[Bookworm]

Welcome.

What do you mean by "penal" insurance?

Where were the insurance instalments coming from? Which account? If bundled with your mortgage payments, then make a Data Protection Act request for those. If not, make a DPA request for whichever bank account they came from.

First clarify "penal" for me, and I'll go in further details.

[gothicf0rm]

if this is linked directly to the mortgage then you have 12 years not six, but its best to rush just incase.

[alunwilliams]

Thank you for your responses. I called it "penal" because it was more expensive for buildings cover (about £47.00 per month added to the mortgage rather than debited seperately to our account ie 1 debit figure only to the current account with the mortgage ref number) than a quote I received from Barclays on one of the annual comparison searches for buildings and new for old contents !!