Taking on the Mortgage Company

Olives

Hi
I am not to sure if this is the right place. I was looking into PPI reclaiming last year as well as everything else. I remembered a little while ago i wanted to make a claim for a secured loan PPI I thought we had. Being new and not to sure how to go about claiming I contacted my loan company(who also happen to be my Mortgage Company) and asked them how to go about it. They actually told me that I dont have insurance. Now at the time this was a bit of a blow. My daughter had already been very ill that year so I had lost earnings from my self employed job as I couldnt work, so things were getting kinda hard financially and then my husband had what the doctors were assuming to be a brain tumor (it wasnt but he still had 6 months of work). So I was kinda bummed out when the mortgage company told me this as I took there word for it as the Mortgage company knows best (so i thought) So things got harder payments got missed and eventually we had an eviction notice last christmas. We sorted it (just) and finally went in to debt management.

So anyway recently contacted loan broker and they said we did have it. So I went straight to Mortgage company and said that I wanted to claim PPI back and told them why. Anyway to cut a very long story short Mortgage company said that they were not responsible we should have known that we had this regardless of what they said and they didnt hold that info anyway (which is pants as one department told me who my insurers were). So I have contacted F O S and said that i wanted to make a complaint as if the mortgage companty had tolld me I had PPI i would of claimed it and would never have got in the mess that I am in.

I have asked for full reimbursement of all fee courts, solicitors and late payments and also compensation so that I can pay all the other people who had piled on there own charges.

Has anybody heard of this before and what do you guys think my chances are.

Thankx