Mortgage lender and insurance issues

twinklie

Hi guys,

I'm hoping someone will be able to offer me advice on a problem I have....In 2009 we decided to switch insurance providers for buildings and contents away from our mortgage provider who was costing us a fortune - to one that cost us half as much but provided the same cover.

Anyway, at the same time we upped our payments to the mortgage so that we were OPing and asked for the money currently used as insurance payments to get transferred to this as well - since the insurance had been cancelled.

We got a letter saying they'd upped our mortgage payment and the direct debt we asked them to take out would now also include the insurance payment. :mad: We called them and explained we wanted the full ammount of the mortgage and to CANCEL the insurance!!! We were told this was sorted.

When we got our mortgage statement this year we discovered that the insurance is still on it!! :mad: So we called them to ask what was going on. They said they would cancel it straight away!!

Last week we received a letter stating we owed the £530 for the insurance!! :mad: And they included a photocopy of a letter from Oct 2009 letter saying the direct debt had been cancelled and that if we didn't reinstate it we would not be paying the insurance. This is fine...but we never received this letter and they have never said anything about it until now.

We are going in tomorrow to try and sort it out. We've never made a claim on this insurance by the way. We are also coming to the end of our fixed rate deal in October with them and so I'm wondering when to get away from Britannia - the earliest opportunity would be beneficial!!!

Any advice on how to deal with this matter would be greatly appreciated. If you need anymore info in order to help please ask. Many thanks for this in advance.