Hoping someone can help. I got a letter from UB stating my mortgage payment proctor is being cancelled as it's a service they are not offering any more, thing is I never knew I had it. it was for my first mortgage 16 years ago and seemly this mortgage payment includes this fee. Even though I have restructured this mortgage a few years ago , this is the first I 've heard of this, even at that point it wasn't pointed out to me by UB insurance person who was assisting with all my policies to see if I could get a better deals on life insurance. I don't understand why this wasn't pointed out to me then that I had this policy. I vaguely remember signing something back in the say but I thought that was house insurance when you used to get it via the bank. It is on annual mortgage statement but is abbreviated I assumed that was some sort of interest calculation. Have I any leg to stand on claiming all this money back and going for miss selling? I've wrote to UB requesting all informing on this policy as I never got the documentation on it. I would like to get this refunded if possible. Do I have a case for miss selling of this policy? If any one can help? thank you.