Co-Operative Bank Endowment Claim

Have you ever had an Endowment with Co-Operative Bank?

Our biggest Endowment win with Co-Operative Bank is £10,595.68

Our average Endowment win with Co-Operative Bank is £3,345.73

If you answered yes to the above question there is a chance that your Co-Operative Bank Endowment policy was mis-sold and you could be due compensation.

What is an Endowment?

An endowment is an investment that is designed to pay off a mortgage.

It differs from a capital repayment mortgage in that instead of making regular payments to repay the capital, all of the money is invested and dependant on growth, at the end of the term, the mortgage is paid off.

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How do I know if I was mis-sold a Co-Operative Bank Endowment policy?

Your attitude to risk was not assessed

Many advisors did not take into account the level of experience consumers had.

An Endowment has potentially high returns but also comes with increased risk that often didn’t match the attitude of the customer.

Alternatives to an Endowment were not discussed

There are many different options to consider when it comes to paying for your home including a capital repayment mortgage.

Many advisors chose the Endowment for the consumer, often not giving them enough information to make an informed choice.

You were told it would pay off your mortgage

Many were advised that an Endowment policy was guaranteed to pay off the mortgage.

This was sometimes mixed with a verbal guarantee of a lump sum in excess of the amount needed to repay the mortgage.

Policy went past retirement date

Many Endowment policies sold went past your age of retirement.

The affordability of the endowment on a lower retirement salary was often not discussed.

If you were sold an Endowment policy, you could be eligible for:

Compensation to put you back in the position you would be in if you had been advised with the correct mortgage.

An additional 8% Compensatory Interest can often be added to any mortgage loss suffered.

This is all possible even if you surrendered your policy, your mortgage has been paid off or you have no paperwork.

We have specialist teams that can also win cases where you have been told you are ‘out of time’ or the firm that sold the policy are no longer in business.

You do not need to use a CMC to make a complaint to a lender or other compensation scheme, such as the Financial Services Compensation Scheme (FSCS). If your complaint is not successful you can refer it to the Financial Ombudsman Service (FOS) yourself fee free.

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High success rate

We have a very high success rate spread across many thousand happy customers.

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We want to win your claim, fast. We don’t get paid until you’ve been paid.

Proven track record

Our experience goes a long way, we’ve won thousands of cases in our time.

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We claim against the following Endowment providers plus many others

Abbey Life | Abbey National Life | Aegon | Alba Life Limited | Albany Life Assurance | Alliance & Leicester | Allied Dunbar Assurance | American Life Insurance | Aviva | Axa | AXA Equity & Law | Axa Sun Life | AXA Wealth | Bank of Scotland | Barclays | Barclays Bank | Barclays Life | Barclays Wealth | Birmingham Midshires | Blackhorse Life | Bradford & Bingley | Britannia Life | Britannic Assurance | Canada Life | Cannon Lincoln | Century Life | Chase De Vere | Cheltenham & Gloucester | CIS | City Financial | City of Westminster Assurance | Clerical Medical | Clydesdale Bank | Co-Op Savings & Insurance Services | Co-Operative Bank | Co-Operative Insurance Services | Colonial Mutual | Combined Life Assurance | Commercial Union Life Assurance | Cornhill Insurance | Countrywide Assured | Coventry Building Society | Crusader Insurance | Eagle Star | Ecclesiastical Insurance | Equitable Life Assurance Society | Forester Life | Friends Life | Friends Provident | GE Life | General Accident | Guardian Financial | Halifax | Hambro Assured | HBOS | Hill Samuel Life | HSBC | HSBC Wealth | Imperial Life | Irish Life Assurance | Laurentian Life | Leeds Building Society | Legal & General | Liberty Life | Life Association of Scotland | Lighthouse Group Plc | Lincoln Financial | Lincoln National | Lloyds | Lloyds Bank | Lloyds TSB Life Assurance | London & Manchester | London Life Limited | Manchester Unity Assurance | Manulife | Marine & General | Medical Sickness Society | Merchant Investors | Merchant Investors Assurance Co Ltd | MGM Assurance | National Mutual Life | National Mutual Life Association of Australasia | National Mutual Life Assurance | National Provincial | Nationwide | Natwest | Northern Rock | Norwich Union | Old Mutual | Pearl Assurance | Phoenix Life | Pioneer Mutual | Providence Capital | Provident Life | Provident Mutual Life Services | RBS | ReAssure Endowment | Refuge Assurance | Regency Life | Reliance Mutual | Royal & Sun Alliance | Royal Bank of Scotland (RBS) | Royal Life | Royal Liver | Royal London | Royal Scottish Assurance | Sanlam | Santander | Save & Prosper | Scottish Amicable | Scottish Equitable PLC | Scottish Friendly | Scottish Life | Scottish Mutual | Scottish Provident | Scottish Widows | Sesame | Skipton Building Society | St. James's Place | Standard Life | Standard Life | Sun Alliance & London Assured | Sun Life Financial of Canada | Swiss Life | Swiss Pioneer Life | The Prudential | TSB | United Friendly Insurance | Wesleyan Assurance Society | Windsor Life | Winterthur Life | Woolwich Life | Yorkshire Building Society | Yorkshire General | Zurich Assurance

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