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No they can't find details of our origional mortgage !! Only the 2nd one. The reason they gave is the branch is now closed ! To be honest I haven't been well for a few months and haven't done any more about it. But I think I will now in the new yr.

Hi I am about to make an appeal to the fso for non payment of claim for income protection Did anyone ever get a solicitor or anyone else to help with process? I feel that I have to be very careful and strong in my claim and how I put things so it's interpreted in the correct way.

Thanks so much does explain better. Do you know if anyone ever get solicitors involve in cases like this or in help with financil services ombudsman application/ process

Thanks for yor input - I don't understand this point?

Hi all I had an income protection policy with a few yrs. Hen I made the application I ha ad a hip condition diagnosed and had had surgery. This was disclosed on my application and and an exclusion applied to that hip. I have now been out of work for 1 yr due to another illness and surgery. I...

Thanks for all your input.

This is what I was wondering -I will ask for options letter. But I was also wondering about the fact that they offered existing business the tracker rates in 2006. So was this to people that had existing mortgages ? And why were not offered one at that stage? And why it wasn't offered in 2005...

Hi all Looking for advise: In 2004 we took out Ptsb mortgage to build our home. We had a variable rate In 2005 need some extra money to finish the house. This was done as a equity release loan - so old mortgage was paid off by the new mortgage. I contacted the bank asking them when they...