Hi, in the process of getting a mortgage, I signed up for mortgage protection insurance with Royal London. I still havent drawn down the mortgage (should happen any day), but I notice that I have been charged insurance for two months already. I contacted Royal London and got this back: "Hi, Unfortunately as this amendment falls outside of your 30 day cooling off period I am unable to change your start date. The above policy went live on 03/01/2019 so the last day we could amend the start date was 02/02/2019. If you have any other queries, please contact your broker Hello.ie" Is there any way I can pursue this? Guess saying Ill change provider might give some leverage. Are they even allowed to charge before the mortgage exists?