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Won't pay out on Mortgage Protection

I have payment protection on my mortgage for the last 4 years. I am now out of work but they refuse you pay. Can I do anything about this?

First thing I would ask of this listener is why have they refused to pay?  You should ask the insurance company for the reasons in writing and if the policy was negotiated through a building society then you should ask the building society to get that information. 

If you are not satisfied with the reasons given you should consult the Financial Ombudsman www.financialombudsman.ie .

The issues raised in the answer to this NewsTalk listener's question are dealt with in a general way as can only be the case on live radio. Before relying on the advice given in this answer, whether you heard the broadcast or are for the first time reading the issues here please do not rely on the broad advice given. For a detailed professional opinion please consult a qualified legal advisor and for further details read our disclaimer on the Home Page.

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