Do You Have a Valid Claim?

The following questions are based on the main criteria used to assess whether or not you may have been mis-sold a mortgage-linked endowment policy. You may have a valid claim if the company, or its agent, that sold you the policy failed in any one of these 13 areas:

Question		Yes	No
1	You were first time buyers and other options for repaying the mortgage were not discussed fully
2	Other options for repaying the mortgage were not fully discussed
3	The adviser said that the policy would definitely pay off the mortgage
4	The advisor said that there would be a lump sum left after the mortgage was paid off
5	You already had an endowment and the advisor told you to cash it in and sold you a new policy
6	The adviser did not explain that there was a risk the endowment would not meet the target amount
7	The advisor did not discuss in full the funds that the endowment was to be invested in
8	The advisor did not properly establish your attitude to risk
9	The advisor did not fully explain the fees and charges on the policy
10	The policy will not mature until after you retire
11	The advisor told you not to worry because the endowment would pay off the mortgage before retirement
12	The advisor did not properly establish that you could afford the payments after retirement
13	You bought your property under a “Right to Buy” scheme