If you are unsure if you could be due anything against your mortgage, we can find out for you even if you have no longer have paperwork relating to the mortgage.
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When you first signed up to the policy, you would have been given a target amount your investment had to reach. If once you term came to an end, you still had a balance on the investment, your endowment came into a shortfall.
Do not worry if this is you, we are able to track back through financial records and find out all the details we need to get you the compensation you deserve. Having your policy numbers will help, but we are also able to track these for you if this information is not in your possession as you may have cashed in the policy some time ago.
All we need to know is who you have invested with, more information can help, but as long as you know the provider, we can do the rest for you.
A personal service with the same claims manager looking after you throughout the claims process
A No Win No Fee Service*
A service where we aim to have the claim settled within 8 weeks†
Regardless of whether your endowment is still in force, if you have suffered financially because of the policy, you can make a complaint.
As long as your policy was taken out after August 1988 then it is covered under the FSCS (Financial Services Compensation Scheme). This is a government body set up to deal with financial claims for providers regulated by the FCA that have ceased trading and have been declared in default.
You may have heard that endowment cases can be time barred and therefore you are unable to make a complaint. Whilst this may be true in some cases, a certain set of criteria has to be met before an insurer is able to dismiss a complaint on those grounds. Our time bar expert has won £8.5 million for people who were originally time barred.
†Once the advisor has received the complaint with an account number, they must conform to the 8 week timescales set out by the Financial Conduct Authority to bring your case to conclusion. If you do not have the account number or they reject the complaint the process can take considerably longer.
You do not need to use a CMC to make a complaint to a provider 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.