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Hi all I've started a complaint with Santander about my mis-sold MPPI. We were FTB's in April 2009 and being the cautious person I am asked the IFA doing our mortgage about Income Protection. Low and behold we ended up with MPPI the only covered the mortgage payment and the house insurance not a penny more up to the value of £750, not what we asked for. However I did not pick on this at the time and it only came to light recently while sorting though some old paperwork and came across the policy document. This is where I finally read the small print properly. I've sent bac
The IFA is long gone as he was associated with an Estate Agent and no longer works with them The policy is on a Norwich Union Life Insurance product I am still paying for with about 10 yrs left - the Payment protection was added onto the policy and I remember feeling quite pressured at the time to include it Who should i put a claim against ? The IFA or the company I pay premiums to Is there a standard letter I can send to activate the claim and start the 8 weeks countdown that the Financial Ombudsman require? Also would I need to request a SAR from Norwich Union (
I took a private pension out in 2003 and the service I have been getting from my IFA varies from non existent to diabolical. I was promised regular pension reviews but I have never been contacted once. I finally managed to set up a review in 2011 at my instigation after several weeks of hassling him for an appointment. He then took several more weeks to implement the fund switch we discussed at the review again, only after I kept chasing it. I am in the same situation now about another pension I am trying to switch (admittedly not one he sol
Hi Back in 2006 we took out an interest only mortgage and were sold an insurance policy to run along side it, should anything happen to myself or my partner. The mortgage and insurance were sold to us by an Independent Financial Advisor. A few months ago, we found out that the we had been sold a mortgage decreasing policy instead of a level term policy. After speaking to Legal and General, they confirmed that the decreasing policy was no good for our mortgage, we should have been sold the Level Term Policy. They also stated to put a complaint it, but they could not deal with it bec