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About Sunny-side-up

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  1. Hi BankFodder, Thanks for raising some important questions – some of which I’ve struggled with answering in the past. I’ve pasted my comments below. There are some things I don't understand here. I don't understand why it was a mis-sold policy. It was mis-sold because it was sold to me on the basis that it was a total mortgage protection policy that would cover my mortgage payments in any circumstances if I lost my income. I specifically asked if it would cover me if I was made redundant, or too ill to work and I was assured that it would hence the name ‘total mortgage p
  2. Hello! Thank you for your responses! My apologies, in trying to be brief I failed to communicate in my earlier post that the insurers have already issued me a payment (following my complaint). The payment covers the mortgage payments for the period of time I was not able to work. However, what it doesn’t cover (which was also in my complaint to them) was the other costs that were incurred by them not paying my initial claim at the time I made it. The other costs being: the mortgage arrears, the lost deposit, the legal fees and the high interest payme
  3. Hello Caggers, I’ll try and be as brief as possible… After a long 4-year battle on a failed claim for a mis-sold PPI policy, the insurance company agreed to pay a back dated claim. I had a Mortgage Protection policy with the Halifax. It was sold to me over the phone on the premise that my mortgage payments would be covered if I was ever to lose my income. I accepted. My initial claim was for them to pay my mortgage payments when I became unable to work. They didn’t (it seems) record that I had made a claim back then even though they have some informa
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