Response to The letters are coming quicker now - any help please.

What I've said about the MIG insurer having a duty to make sure to the house is sold at its proper value, is my opinion only, but to me it seems to make sense. If we, as consumers, have to justify what we claim from an insurance company, surely the same applies to lenders and other commercial entities? Or am I being hopelessly optimistic here?!?

Eleanor's information regarding RSA and the Carey's is very interesting. I'm wondering apart from the possibily ambiguously worded MIG document, is that RSA couldn't actually prove that there was a contract between them and the Carey's?

We pay a MIG with our mortgage to the lender's, but we never see any paperwork. We now know that the MIG is an insurance policy between the lender and the insurer, its none of our business, so we're told.

Perhaps then the best way to approach the MIG insurer, is to say prove that we owe them the money. And where does it say that they have a right to chase us?

Pendle

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