Mortgage Protection - refund?

Zed - let us know how you get on pursuing this issue with the underwriter and, if it comes to it, IFSRA or the FSO. I very much doubt that you will get a refund. Post the relevant portions of the governing terms & conditions if you think there's any point.

I seem to recall an almost identical issue posted by someone a few months ago and I dont think any satisfactory solution was achieved in that case?

You're not thinking of this one (about repayment insurance) by any chance?

Payment protection on mortages. Refund due?

No Clubman there was another. I'll search when I get a chance.

RS2K,

You may well be right - I was never arguing that a refund is definitely due. It all boils down to whether under the T&C the company was exposed to a mortality risk.

TBH I don't see how anyone here can opine on the validity of a claim for a refund when they haven't read the T&C. No one (except the OP) knows which company it is with (it could even be a cross border company).

To suggest that there is categorically on chance is (IMO) unhelpful. To suggest that it may be worth following up with an independent resouce will mean the OP has exhausted all reasonable options and should feel more comfortable with the outcome - no matter what it is.

Understood. Fairly argued too.

The insurer was clearly never advised cease risk however.

We'll just have to see what happens....