I have had the same problems. I got MPPI from Paymentshield back in 2000 via an 'independent' financial advisor in Spicer McColl where I purchased my house. He too told me I had to have MPPI (was my first purchase and I believed him) amongst other things. Have been trying since November to get recompense from either Paymentshield or Mortgages Direct who the agent worked for. As Mortgages Direct weren't registered with the FSA on or after Jan 2005, the FSA can do nothing (apparently). As Paymentshield did not sell me the policy direct they are not liable. The FSA has been looking in to this for 8 months and I have just received my 'sorry we can't help letter'. I have since found out Mortgages Direct come under the umbrella of Spicer McColl but I cannot claim off them either. I hope others have a bit more luck than I did!!