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My mum and I took a mortgage out with Hadenglen Plc in late 2004. We were told that we had to have something called "Accident, Sickness & Unemployment Protection Insurance" added to it. As we had not had a mortgage before we were unaware that we should have been offered the option to pay monthly. We were under the impression that it was just one of those things - a necessity in order to process the mortgage. A premium of £1221.91 plus £61.09 insurance premium tax (£1283.00 total) was added to our mortgage breakdown. The ASU was in my mums name, as I was a student at the time, but as it was added to the mortgage amount I have also paid this back. The ASU was over 5 years, but I remortgaged with another company in 2008, so we didn't even get the full 5 years we had paid for. I have sent a letter to Hadenglen but received no reply and after looking into this further I see that they have gone into administration. Could anyone advise me of how to go about putting a complaint in about them?*
I everyone, I was just wondering if the above is correct? Unfortunately I have to claim on one of policies (CIC), however the insurer is placing unexpected restrictions on the policy. I was not told this when I took out the policy and if I knew I wouldn't have purchased the cover. They have so far refused to pay out, despite me meeting the (EXTREMELY) harsh criteria. Have I been miss-sold? Cheers