Mis Sold Enowment (yet again!)

sorry, for posting this again, but I think my questions may have got lost along the way

We have just received a red letter from Royal London in relation to one of our endowment policies, and have a coupld of questions

1. Two years ago when we received the last letter, the policy was still on track to pay out the target amount - the next letter we received (last week) was a Red letter notification - we have only 7 years to go on our mortgage, and our shortfall may be £13,000 - should we have received a warning letter (amber?) during the past 2 years, or is this normal.

2. When we originally took out this endowment policy forthe purchase of a new house, we did so on the basis that my Husband already an endowment mortgage which had been running for a number of years - we were told by the salesman that there were 2 options open to us; either to cash in the existing endowment and then have a straight repayment mortgage - which our advisor said would be stupid - or to change my H's policy into joint names, put this towards our mortgage and then take out another endowment to cover the increase in the new mortgage - we took the 2nd option, as we were told it was the most sensible thing to do - however, we were never told that we could have a part repayment/ part endowment mortgage . My question is whether this might be grounds for claiming we were mis-sold the policy??

the original endowment had a target of £20,000 (and is on track), but the new endowment, was much bigger, with a target of £74,000.

Does anyone know if we may have a chance here, or are we going to be wasting our time?