Have you ever checked whether you have been charged PPI Or PPP On you Mortgage? you will have more than likely been called with an offer to investigate I presume? I have gone back to 1998.
never talk to anyone about that sort of thing if they called you, it happend to me, but i talked to someone at the bank and they said these people will get money back for you, but will keep a hell of a lot of it and you won't get much at all, the bank gave me a phone number for a safe organisation.