Eaton Legal Services

Endowment Claims
Complaint Letter
Mortgage Shortfall
Recent History
Time Limitation
No Win No Fee
Surrendered Policies
Sales By Solicitors
Warning Letters
Grounds For Complaint
About Us
Legal Disclaimer

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We deal with endowment compensation claims on a no win no fee basis and if the complaint is unsuccessful we will not make any charge to you. Our claims are completely risk free and you will not have to fund or pay for any expenses during the course of the claim. If you would like free insurance shortfall advice on the telephone, without obligation, just complete the contact form.

Most insurance policies intended to be used to pay off mortgages which were sold before the beginning of 2000 were in one way or another, mis-sold. Individuals who lost out financially through their endowment mortgage may be able to recover their losses by claiming compensation from the seller. You can do this if you were mis-sold your endowment policy and are able to prove you have suffered financially as a direct result.

A mis-sold mortgage is legally defined as one that was not sold in accordance with the rules set out by the regulator which in these cases is the Financial Services Authority. These rules are intended to protect consumers of financial products and services from being misled or inadequately advised. The rules regulating the insurance industry are complex and we can help by assessing whether the selling went against these regulations.

The holders of most current policies will be eligible to make a claim for compensation and even if you have gone from an endowment to a repayment mortgage within the last three years, or if you have sold or surrendered a policy you may still be able to make an endowment compensation claim.

The root of this problem lies in the fact that these insurance policies depend on the investment of monthly premiums by the life companies creating a sufficiently large fund to pay off the mortgage at the end of the term. However because of the underperforming Stock Market the majority of endowment policies have failed to achieve this and as a result many homeowners have been left with little financial stability obliging them to make a claim for endowment compensation.

The Financial Service Authority has judged that misselling is caused by a confusing or inadequate level of communication by the company who sold the policy to the client. Therefore they have put the responsibility for endowment compensation on the point-of-sale company. Once the misselling has been proved this company must reimburse the victim with the amount of compensation to cover the losses they suffered. This enables the client to transfer to an equivalent mortgage repayment programme without suffering financially.

Experts believe that the majority of endowment mortgages sold in the 80s and 90s were mis-sold and that in total there are over 6 million prospective claims for compensation throughout the country. If you have received a ‘Red’ letter warning you of a definite shortfall risk within the last three years you should contact us as soon as possible as there are time limits on when a claim can be made. Delay can ensure that the opportunity to claim is lost forever.

If you have received a ‘Red’ letter from your insurance compeny it is highly probable that you have been mis-sold a policy with a potential shortfall of funds. If you were not properly informed of the possibility that your policy might be unable to pay off your mortgage at the time of sale, then you are justified in making a claim for compensation. There are a number of other potential grounds upon which a claim can be based. If you are in any doubt about your right to claim we will give you free advice with no obligation.

0845 456 8669



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