How should I ask for compensation to be calculated??

Hi,

Winterthur life have accepted my endowment was missold and have offered me two means of having any compensation calculated:-
- Either use the Halifax variable rate throughout the life of the mortgage
- Or I complete details of every mortgage I have had, every rate it was at, and whether life assurance was a requirement or not

Once chosen, I cannot change my mind for the calculation method, so am trying to work out which option is likely to be best.

As I've changed mortgage often for a low rate, I think choosing the comparison with the variable rate will be better, though would welcome anyone's knowledge in this area.
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