Change in legislation? pre 2005 mortgage PPI with Mortgage Matters

Clover123

I have spent time reading but cant find the answer to my query!? so I hope its ok to post for advice? please. I am new to forums.:A
We took a mortgage out in 2003 through a broker 'Mortgage Matters' which are still trading under a different name. We were sold Accident, Sickness & Unemployment insurance at a cost of a £3750 which was added to our mortgage. The paperwork from the broker does say this is considered an essential cover for the mortgage and we didnt question and took the policy. Is this an example of mis sold?
As this was pre-2005 I have read it would not be worth trying to claim? OR
Has the legislation now changed?
I have the original policy paperwork which was provided by D&D Homecare which says its underwritten by NIG? Thanks

dunstonh

Is this an example of mis sold?

The rxplanation for having it is fine. The fact it is single premium makes it a mis-sale

As this was pre-2005 I have read it would not be worth trying to claim?

Most mortgage brokers do not have to consider pre 2005 complaints. A small number do.

which are still trading under a different name.

Which probably means it is new trading entity and not a continuation. You can verify that on the FCA register by looking at the current name and checking the trading names