Endowment mis-selling questionnaire answers

M271

I am currently pursuing 3 mis-selling claims and have received questionaires back to complete, I obviously want to complete them to the best of my knowledge but as I was sold them between 15 and 20 years ago I do not have all of the information and some of the information concerning current circumstances with pay seem irrelevent to me.
If anyone can advise through experience what to fill in and what to leave blank or use 'can't remember' statement.

Standard Life
1) current salary and occupation ?(whats this got to do with miselling 15 years ago ?)
2) salary 15 years ago ?, I have no record so should I estimate
3) advice given at time of endowment sale ? (I really can't remember)
4) Have you increased your mortgage loan at any time ?(well in my case yes but not in relation to the endowment)
5) Mortgage details ? ( I have records back to 2000 but not before that), should I fill in what I have or leave it blank for their assumptions ?

Halifax
1) Summerise your complaints, whats best to say (Endowment mis-selling ?)
2) Has your life company TOLD you actions that you should take YES or NO ? ( I had warning letters advising action but wasn't verbally TOLD), to me TOLD is verbal not written.
3) Other Life Insurance ? (I had no other life insurance but did/do have good employer death in service, incapacity etc..)

Any advice to complete the forms would be appreciated.

dunstonh

1) current salary and occupation ?(whats this got to do with miselling 15 years ago ?)

Higher rate taxpayer at the time maybe? Endowments were tax efficient for higher rate taxpayers.

2) salary 15 years ago ?, I have no record so should I estimate

state you cannot recall. Do not guess

3) advice given at time of endowment sale ? (I really can't remember)

Thats a tough one. The endowment could easily have been sold correctly verbally and you cant remember. No surprise really all that time back and the endowment is just one little thing going on with the mortgage, the housebuying etc. At least you are honest about it. State you cannot recall anything specifically.

4) Have you increased your mortgage loan at any time ?(well in my case yes but not in relation to the endowment)

Shouldnt make too much difference. Answer it truthfully.

5) Mortgage details ? ( I have records back to 2000 but not before that), should I fill in what I have or leave it blank for their assumptions ?

Answer it truthfully. Give details back to 2000 but say no records held prior to that date.

1) Summerise your complaints, whats best to say (Endowment mis-selling ?)

What are you complaining about? Its not an essay, just a couple of lines to say what you are complaining about.

2) Has your life company TOLD you actions that you should take YES or NO ? ( I had warning letters advising action but wasn't verbally TOLD), to me TOLD is verbal not written.

Tell them yes. They will probably contact the provider anyway to get confirmation.

3) Other Life Insurance ? (I had no other life insurance but did/do have good employer death in service, incapacity etc..)

Death in service is not normally considered suitable for mortgage protection. You can declare it but its not life assurance. Its death in service. I wouldnt declare it.

Any advice to complete the forms would be appreciated.

Tell the truth, do not lie and do not guess. State you dont know when you dont. If you put something down as a guess or a lie and they have documentary evidence stating the opposite, it can harm you complaint where there are other grey areas.

Remember the onus is on them to prove it was sold correctly, not for you to prove it wasnt.

M271

Thank you for the advice dunstonh.

Has anyone else had any comeback/clarification required from the Standard Life or Halifax over answers given to their questionnaires ?