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Not PPI, but mis-sold health insurance by bank.


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A couple of years ago, my partner went into Natwest to review her finances. She wanted to up her mortgage to 120k from 60k and the bank agreed. She was going to consolidate a loan costing 372 a week in with the new mortgage. The bank agreed and sent this salesman who persuaded her to take out health/death insurance costing 165 a month protecting us for the 120k mortgage. She took that out and then because the bank didn't stick to some other things that were agreed because she was a platinum customer, they started bouncing stuff, but didn't write and tell her.


Eventually she got her bank charges back and an apology but shes now being paying the loan and the insurance, without them upping the mortgage, because her credit rating has been affected by the stuff they bounced.


So if we die, the extra 60k would be useful, but the premiums are a struggle.


Were we mis sold this insurance?


Answers please.

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