where do I start? missold endowments

ANNIEHAHA

My husband surrendered 2 policies 3 years ago
1 with standard life and one with allied dunbar ( sorry about spelling)
we have no paperwork!
can I do anything and where do I start?
please help!

thehairybuilder

I`m pretty sure you can still put in a claim .

First thing to do is to write to the firm which sold you the endowments explaining that you feel you`ve been mis-sold and ask what their complaints policy is .

Assuming these were tied in with a mortgage I`m pretty sure that the firm will simply state you have no clain and refer you to the Ombudsman .

This is no bad thing . After they advise this simply send copies of all letters to the Ombudsman and they will take it from there .

There will be forms which Ombudsman will send you but they are fairly easy to complete.

As far as I`m aware you cannot actually contact the Ombudsman before writing to who-ever sold you these endowments first but if I`m wrong I`m sure someone here will keep you right .

HTH

picnic

i was with the cis, cashed in my policey 3 years ago, called them and asked for the policey number, when it was started, when i cashed it in, how much my monthly payments were etc. they were very nice and gave me all the details i needed, used the letter on this web site with the details i had, they then sent me a questionar that i filled in and sent back, they called me twice to confirm some info. have had letter offering £2688. that was all within 4 weeks. not bad going eh! call them, ask them what you need to know. go for it!!!

ANNIEHAHA

thanks for the help I'll get it underway and keep my fingers crossed!