Windsor Life Endowmnet Complain turned down

mr_nice_5

I have just recieved a letter from Windsor life stating that they have turned down my complaint for the following reasons ...

1/ I complained on the 22 January 2007 but we sent you a letter showing the projected maturity values on the 22 August 2000, we sent another projection on the 7th February.

2/ I complained more than 6 years from the date that I received advice on the sale policy

3/ I have not provided any evidence to suggest that I have only first become aware of the need to complain within the last 3 years

4/ I have not brought to their attention any exceptional circumstances

we also sent you a fact sheet from the FSA outling how to complain.

Is there anything else I can do, I was out of the country for 2 years in the middle east from 2001 to 2003,
Any advice greatfully accepted else I will put it all to bed and learn from the mistake.
Thanks.

housemice

mr_nice wrote:

I have just recieved a letter from Windsor life stating that they have turned down my complaint for the following reasons ...

1/ I complained on the 22 January 2007 but we sent you a letter showing the projected maturity values on the 22 August 2000, we sent another projection on the 7th February.

2/ I complained more than 6 years from the date that I received advice on the sale policy

3/ I have not provided any evidence to suggest that I have only first become aware of the need to complain within the last 3 years

4/ I have not brought to their attention any exceptional circumstances

we also sent you a fact sheet from the FSA outling how to complain.

Is there anything else I can do, I was out of the country for 2 years in the middle east from 2001 to 2003,
Any advice greatfully accepted else I will put it all to bed and learn from the mistake.
Thanks.

If you feel that the time you spent out of the country between 2001 and 2003 prevented you from complaining before the deadline date (I assume the deadline date was 22 August or 22 September 2003), you may have "exceptional circumstances". You can write to Windsor Life and advise them that you wish to appeal against the time bar, and explain why you feel that your circumstances prevented you from complaining (if you think they did, that is!!).

You can also appeal to the FOS, but don't dally about this - if you want to go to FOS, you usually only have 6 months to do so from the date of the letter telling you your complaint is time barred.

dunstonh

You mention you were out of the country between 2001 and 2003 but what about the four years after that?

You have to have a good reason for not complaining and if had claimed after you returned in 2003, that would be good reason. However, waiting another 3-4 years doesnt really work in your favour.

EdInvestor

When did you receive the "red" projection letter stating there was a "high risk" of a shortfall ( these words must be used.) The clock starts ticking from then, 3 years later you're time barred.

If you've never received a letter using these words, take the complaint to the Ombudsman.