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Mis Sold Mortgage Protection Insurance

Because of all the controversy surrounding the mis sold mortgage protection insurance scandal many people's awareness of this issue has been raised. It is feared that many people may still be unaware that they have been mis-sold cover either because a policy was added to their mortgage without their knowledge or they are unaware they have been sold a policy they are ineligible to use.

A policy applied without your consent?

 Sometimes the mis-sale of payment protection can occur in very obvious ways, for example, if you were put under pressure by a pushy salesperson or you were told you had to take the cover or your mortgage would not be approved. Mis sold mortgage protection insurance can occur in a variety of subtle ways, though. A good example here is where through error or design a policy is added to a loan without the borrower's knowledge. Many people are shocked to discover months or even years after taking out a loan that they have been paying for insurance cover they did not want or need. The good news is that this contitutes mis sold mortgage protection insurance and you could make a claim.

Sold a policy you were ineligible to use?

A significant number of payment protection claims have been filed by customers who have purchased cover in good faith and later discovered they are ineligible to use it. Common examples here are instances where customers who are self-employed, have serious pre-existing medical conditions or who are aged sixty-five or over were sold cover they may never be eligible to use. Mortgage payment protection can be extremely expensive, sometimes adding between 13-25% to your total loan amount. If you were mis sold mortgage protection insurance you could, therefore, have paid out a significant amount of money unneccessarily.

If you would like assistance with your mis-selling claim call our claims team on 0207 471 2000.

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Belmont Thornton Limited is regulated by the Financial Conduct Authority in respect of regulated claims management activities; FRN:838450

Belmont Thornton Limited is incorporated in England and Wales, Company number 6621233, whose head office at Unit B11, Kestrel Court, Harbour Road, Portishead, Bristol, BS20 7AN and registered office at Harwood House, 43 Harwood Road, London, SW6 4QP.

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