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Additional Details
Premise L... |
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lee c | How much compensation should I expect from being incorrectly sold an endowment policy 18 years ago? |
Also is it worth using a claims company to act for me , or should I just persue it with the company direct |
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taz man
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I have heard of a test case that has gone through the courts in Devon where an Insurance Agent took the Financial services authority to court because he was ordered to pay £3,000 in compensation to the person that he has sold the Endowment to. The IFA has successfully got an agreement that if the endowment pays out the agreed amount at the end then the compensation will have to be paid back.. He is now trying to get a court order that states that if the endowment pays anything above the amount that he will also receive this money. |
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gilly g
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Oh my mum and dad got 5000, they went through a legal company who charged 300 quid, well worth it if you ask me but get in quick because there's a limit imposed on when people can claim. |
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bert
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Don't hold your breath, the insurance company willhave an excuse that will save them from paying out, one good solution would be to name and shame ! |
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Mr. Prefect
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You should expect nothing as compensation, whether or not you use a claims company, unless you can prove intentional fraud. |
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Phil McCracken
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The compensation should legally be enough to compensate the shortfall and no more. English courts tend to award damaged in a measured way to reflect the real loss, rather than to make the claimant rich. So if the forecast is a £1000 shortfall, a £1000 award would be equitable. |
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welcome news
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Do it direct - most companies will work out values for you under approved guidelines.
Please note that the fact that the endowment will not meet forecasts is NOT per se evidence of mis-selling. If the company you bought it from can prove you were advised of the risk that the endowment would not meet the target then it is not mis-selling. (Many didn't because it looked like a 'sure-fire' way of paying of the mortgage and earning a nice commission. Others will have told their clients but can't prove that they did.)
In fact, if I remember, The mortgage lendors insisted on cautious (at the time) projections being made to safeguard against this eventuality. What happened is a) the dotcom crash of 1999 b) 9/11 c) reduction of interest rates - people did not use the reduction to pay of the mortgage but to increase spending. |
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