Hi there. I'm new to this site and wondered if someone a lot cleverer than myself could help out. We have recently been told by West Bromwich Building Society that we could have been mis-sold PPI . I have looked at all the paperwork and we had PPI with them for 2 years between 2000 (when we took the mortgage out) and 2002. I see for the firstyear they paid it for us and the second year we carried it on of our own free will. I do wonder if we'd made a claim during that year whether it would've paid out though as my husband was self-employed at the time. I'd really like a copy of the terms and conditions when I rang the mortgage company the lady didn't answer my question and said all I needed to do was make a complaint and they would look into it for me. I don't know as I'm really happy with that though as they could make up any story about the terms and conditions at the time and I'd be none the wiser. Am I being cynical here or not? Is there any way I can get a copy of them? The other thing I stumbled across when looking through the paperwork was that we had building insurance with them for the first seven years of our mortgage. On the conditions of offer letter it states we had to have the policy with them for 5 years and then when we changed to another fixed-rate mortgage in 2005, we had to have it again for a further two. Should they have made it compulsory to take out with them? When I spoke with the lady she said with regards to paying the insurance for the first 5 years we would have to take the issue up with the broker who recommended the mortgage to us and for the other two years it had been our own free will to choose that fixed-rate package with those conditions attached. Does anyone know if that seems right or not? Many thanks in advance.

In the late 1980's my husband and I re-mortgaged our house, for the market value which was arond the £90,000 mark, with the West Bromwich Bromwich Building Society. Due to the ressession and my husband being made redundant we were no longer able to keep up repayments and our house was repossed in 1991. Since this time, we have been lucky enough to purchase another home using an interest only mortgage which we are still paying. Unbeknown to us at the time, as our property had been undersold, a deficit was incurred. It was not until approximately 10/11 years later that we were contacted by West Brom and informed that we owed £112,000. Due to alleged 'compound interest' this figure has now risen to £165,000. Although we have denied the debt, we have been forced by bullying tacticts into monthly repayments of £200 for the last 6/7 years. They also have placed a charge on our present property. My husband and I are both in our 60's. He is retired and unable to assist me in dealing with this due to serious mental health problems. Can any anyone please advise me on the legality of their actions? I can be no clearer on the exact dates as I am not in possession of the original documentaction and am awaiting duplicates from West Brom. Thank you in anticipation.