Hi, I'm a little late to this thread but I had the same experience with my first mortgage, taken out with Northern Rock and sold via KFH back in 2005. The Mortgage Advisor at KFH said I had to take out Mortgage Protection Insurance (MPPI) and Mortgage Decreasing Term Assurance with Critical Illness Cover. Both policies were offered via Legal & General, and I was told that I had to take them in order to take out the Northern Rock mortgage. I have paperwork (Northern Rock Loan Offer) that shows that Northern Rock were paid £732 by Legal & General when I took the mortgage so its clear to me that Northern Rock were miss-selling the insurance through L&G. However, it doesn't state on the Mortgage Offer that I had to take out these additional policies. It does state it on the Financial Advisor's Key Facts documentation that they should be, and I was definitely told I needed them. I'm in no doubt that it was mis-sold, and as a first time buyer I was completely unaware of what I was signing up to. I have started a claim directly with Northern Rock for the MPPI but was unsure whether the to do so for the Decreasing Term Assurance. Have you made any claims, and if so who with? Many thanks, Esther