Quote:
Originally posted by Totto
Endowment sortfall claims
Like it says anyone have any experiance with such matters , i have part of my morgage covered by an endowment policy , and am wondering about the Tv adds claiming i am entitiled to a Cash
If anyone has had a claim then would you recomend any Company |
Experience in this thus far:
get all of your info together re:mortgage
get all of the letters sent by the company to you - including (most importantly) the FIRST letter they sent you - if you can find it.
Start a list with date sent details and date received details etcetera for your own record.
write off to the company with your concerns along the lines of you think you were mis-sold etcetera. IF that's what you believe.
Wait for them to send you form to fill in.
Do not be put off by this form and just go through questions one at a time. Take your time to read and understand the questions.
Get a copy of the form before you send it back.
Wait for them to tell you what the outcome is.
AFTER, they have returned a second time they may ask further questions, but keep at it.
You may then have opportunity to send details to ombudsman - the company will send you details when they send their decision to you.
FOR YOU INFO AND OTHERS:
THERE IS A TIME LIMIT ON GETTING YOUR CLAIM IN - EVEN THOUGH THE COMPANY MAY NOT HAVE INDICATED THIS TIME LIMIT. LETTERS SENT OUT BEFORE 2004 (I think but need to check the date) DID NOT NECESSARILY CONTAIN THIS TIME LIMIT BUT IT WAS ALREADY IN LAW THAT NO CLAIMS AFTER 2 YEARS OF HAVING BEEN TOLD. LETTER SENT AFTER THIS DATE DO INDICATE THE TIME LIMIT.
Get your claims in as soon as even if it is only a letter satying you intend to claim.
With the "no win no fee" companies you can get charged sumat like 20% of the final outcome - which takes the stress off you - but you still need to fill in the forms.
Search on tinternet.
e.g
step by step guide Best of luck
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