endowment shortfall

[bazzard]

I received a red alert style letter last November 2005, from my mortgage endowment company saying that there would be a huge shortfall on the final amount payable to me. Is it too late to make a complaint?
If I have time, can anyone recommend a format for the letter of complaint, please?

[Ethel]

You can only complain if you were NOT there could be a shortfall when you bought the policy - they should have told you it is an investment which can go down as well as up.

If they didn't tell you - you have three years to claim from the date you realised you had been mis-sold.

This is a very useful site that has all the information you need:

https://www.which.co.uk/reports_and_campaigns/money/campaigns/endowment_mortgages/index.jsp