We are specialists at claiming compensation on endowment policies that have suffered a shortfall

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How do I know if my endowment suffered a shortfall?

When you started the policy, you would have been given a target amount your investment needed to reach to pay off your mortgage.

If you have been warned the policy may not reach its target or there was a deficit at the end, you have suffered a shortfall.

What can I claim?

In simple terms, endowment compensation is calculated by looking at the financial situation the policy has put you in, compared to that of a capital repayment mortgage which would have better suited you.

If you have suffered a shortfall, it is highly likely you would have been better off with a standard repayment mortgage and therefore due compensation.

How do I claim?

Simply fill in the form above and we'll get back to you to discuss your options.

Unsure about anything? Fill in the form and one of our professional, friendly advisors will give you a call to explain any questions you may have.

What is an endowment?

An endowment is an investment that is designed to pay off a mortgage. It differs from a capital repayment mortgage in that instead of making regular payments repay the capital, all the money is invested and dependant on growth, at the end of the term, the mortgage is paid off.

What's wrong with that?

Many endowment policies simply did not perform the way they were expected to. Instead of generating enough funds to repay the mortgage, in many cases there was a shortfall on the target amount meaning that the consumer had to either extend their mortgage term or repay the mortgage with hard earned savings.

Endowment claims facts

It does not matter if your policy is surrendered or has matured.
Regardless of whether your endowment is still in force, if you have suffered financially because of the policy, you can make a complaint.
Is your endowment provider no longer in business? No problem.
As long as your policy was taken out after August 1988 then it is covered under the FSCS (Financial Services Compensation Scheme). This is a government body set up to deal with financial claims for providers regulated by the FCA and are no longer trading or are in default.
Not all cases are time barred.
You may have heard that endowment cases can be time barred and therefore you are unable to make a complaint. Whilst this may be true in some cases, a certain set of criteria has to be met before an insurer is able to dismiss a complaint on those grounds.

You do not need to use a CMC to make a complaint to a lender or other compensation scheme, such as the Financial Services Compensation Scheme (FSCS). If your complaint is not successful you can refer it to the Financial Ombudsman Service (FOS) yourself fee free.

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Our Financial Services Register number is 833000. Our registration is recorded on the website register.fca.org.uk

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*Fee payable if case is not pursued at client's request.