I used a financial services company to try and get me a mortgage, the said company did not get me a mortgage, they did however pass us on to another company who did get us a mortgage. Once the first company found out we had got a mortgage they phoned us up to say we need to get some mortgage protection and life insurance, i asked was this compulsary and was told it was, the guy said he would get me some quotes and get back to me, in the meantime i phoned my mortgage company and they said neither mortgage protection nor life insurance were compulsary. When the guy phoned me back with the quotes i told him that they were not compulsary, he replied with the words arn't they, i said no, so i don't want to take this out. 3 days later i got letters from payment shield and allied dunbar telling me that we had been passed for these policies and infact the certificates were included with the letters, so he had not just got quotes he had applied on our behalf and given these companies our bank details for them to take payments from direct debits. He knew which companies to go to because they must get a comission from these companies for getting our business, he has done all this including giving out our bank details without our permission, is this against the law and should i take legal advise, the mortgage protection company have told me i have to cancel the policy when i receive their paper work to do it, and also have to cancel it with my bank, this is even though i knew nothing of this policy been taken out. The financial services company have now sent me a disclaimer to sign to say i don't want to take out mortgage protection or life insurance, i didn't get a mortgage with them and i paid a fee to the company that did infact get me the mortgage, so i don't know why this company came back on the scene, it has got nothing to do with them.
thanks john.