The payments were made to Friends Provident, they were sold to me via Countrywide Mortgage Services! Confusing! Gill

Thank you, Countrywide were an independent mortgage advisory service that I accessed via an Estate Agents. They helped me to arrange surveys etc for the house. The recall the advisor informing me that I wouldn't be charged anything extra for her to arrange the mortgage for me, and that the mortgage companies paid their arrangement fees, so I presumed that the same would be of the protection insurance - in that countrywide were independant of Friends Provident also. However, on looking into it, I believe that countrywide services and Friends Provident are the same! So yes, I believe they are still up and running! Gill

ims21, Wondering if you could help, I feel that i am in a similar situation to this one. I originally took out a mortgage with Nationwide in 2008, I used Countrywide Mortgage services advisor to help me find a suitable mortgage, which I was happy with. However, I remember, that the advisor informed me that I would be needing payment protection for the mortgage in order to proceed. We discussed my needs, as I was buying and living alone, working full time for the nhs as a nurse, i explained that upon my death the house could be sold, redundancy wouldn't be a problem as I could do agency work, and i had adequate sickness and absence cover from work, as well as savings, and my mother stating she would help if needed in financial difficulty. As it was necessary to have some kind of protection for the mortgage or it wouldn't be valid, I ended up opting for critical illness cover - decreasing, and income protection cover - level cover. The payments were £37.09 and £24.77, respectively, per month. Now, given the information I provided upon my personal circumstances, I didn't feel necessary to buy into protection cover, however, without it I couldn't purchase the mortgage. I understand that mortgage protection plans are more difficult to claim against, but i strongly feel i was missold the plans. So much so, that I cancelled the plans last year, and have opted to have a life insurance policy which will cover in the event of my death or diadnosis of terminal illness! Please could you advise whether it would be worth looking into reclaiming these costs? Thank you Gill