Hi Mick THanks for your response. I've phoned L & G and explained that I had a complaint & they said I need to contact Kinleigh, Folkard & Hayward & make a complaint to them first ... I've sent them an email but have had no response as yet .... I'll keep you updated with this thread as to how I get on. If I don't get any response from KFH then I'll be going through L & G. Thanks again.

Who do we contact if we do have a case?

Hi I have a few areas where I need some advice. I was a FTB in 2006 when my sister & I bought our first flat. I am a hairdresser & my sister is a project manager. We still live in the same property. We bought our Legal & General insurance policies & our Northern Rock mortgage through a Financial Advisor who was working at Kinleigh Folkard & Hayward. It was face to face & not over the internet or telephone. There are a few points I'm concerned about & need a bit of advice of where we stand. I've just been having a look through all of our insurance policies & have noticed that we are doubled up on a few of the insurance policies. We both have separate policies for DECREASING TERM ASSURANCE WITH CRITICAL ILLNESS and MORTGAGE PAYMENT INSURANCE (2 each). I also have a policy for MORTGAGE PAYMENT PROTECTION INSURANCE because my sick pay is not as good as my sisters. From my understanding of talking to a few people is that we should have a joint policy which would be more cost effective? I have a deferred period of 52 weeks on my Mortgage Payment Insurance so I was told I needed the the Mortgage Payment Protection Insurance because the deferred period is 60 days ... But ... if i can't work because of any injury to my hands, tendons or muscles because of a work related cause or any mental issue arising from it they won't pay a claim. I have no recollection of this clause being explained to me as I'm sure I wouldn't have agreed to that. Also some of the details are wrong on my Mortgage Payment Insurance policy ... The type of work, hours worked & it says I haven't been in continuous work for the previous 36 months (which I had) and on the Mortgage Payment Protection Insurance policy the information is correct. I know this is my fault for not checking after I got all the paperwork. I'm going to phone L & G today to tell them so that it can be amended. We were also told not to request to have a look at our medical reports before they were sent to L & G as this would slow things down. Looking at the part of the policy that details how much the advice costs there is an initial lump sum but then after month 49 there is a £1.09, £.40, £0.99 & £0.43 amount that it will cost until the end of the policy? Is that why were sold 5 individual policies when joint one would have been better? He also organised our mortgage through Northern Rock. We had a little deposit (7%) which he advised us to keep to do some DIY & rather get a 114% mortgage on an interest only fixed rate for 5 years. £184 000 which was a mortgage & £30 000 of which was an unsecured loan. I would like to know if I have a leg to stand on as I feel we have been ill advised. Any advice would be greatly appreciated Thanks