Reclaiming Mortgage PPI

A question about : Reclaiming Mortgage PPI

My husband took out a mortgage in 1995 (before we were married). He was self employed at the time and still is. The mortgage is still running and as we are thinking of selling the property, he mentioned that he had been sold PPI. He was told he had to have the PPI if he wanted the mortgage.
We are going to have a look at the mortgage documents in detail, but my first instinct is that he may well have been mis-sold this product because he has a pre-existing medical condition which means eg he cannot get life insurance so I suspect he would not have been able to make use of the PPI even if he wanted to.

The PPI has cost approx Ј50 per month since 1995.

Any thoughts gratefully received.

Best answers:

• Thanks for the link antrobus.
  Re life insurance, I should have qualified my statement. He cannot get affordable life insurance. He looked at the 'impaired lives' sector first and the cost was still extremely prohibitive.
• Thank you everyone for your input. We will bear it in mind as we go through the documents.
• There is also the question of who actually sold the policy.
  Typically, in 1995 mortgages were arranged through estate agents or other brokers. They would recommend the mortgage and the insurances (even if the policy was through the lender). If that is the case then it is the seller, not the lender or insurer, you must complain to.
  That would almost certainly be fruitless as they were not regulated in 1995.
  So it very much depends who was responsible for the original sale as to whether your case even gets off the ground.
• and if they had an agency to act on behalf of the company for general insurance this would also mean the company is responsible