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mortgage indemnity - still being pursued by royal and sun alliance

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Hello Neo321


Welcome to CAG. Before you start the process of getting your charges back, have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later. Our aim is to make you aware of your rights as a consumer, enabling you to fight back against unlawful bank, credit and store card charges. In the website you will find information on how you could get your money back


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Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 1 month later...

with regard the "MIG". there was a court case that clarified this position, and i understand that there is "no time limit" for the insurer to try and recoup whatever they paid the mortgage company. I personally am still being pursued by royal and sun alliance for this relating to a mortgage in 1989. Any one beat 18 years ?

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  • 2 weeks later...

Hi Neo321,


Do you remember any details of the court case which clarified the mig position - i've just found some case law that was cited as recently as the end of 2007 in which a mig was defined as a contractual contract and therefore subject to the 6 year rule. It depends on the terms of the MIG.


With regard to time limits they have a 12 year statute of limitations at the moment for mortgages - the debt still exists it just means that they can't enforce it through the courts!




Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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