Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I was sold an endowment in 1995 when I bought my first house. This was through an Independent Financial Advisor linked to the solicitor I was using for the house purchase.
I recently wrote to the solicitor stating that the endowment was mis-sold and asking for compensation. They have responded that they will investigate but that all their papers relating to the sale of the endowment have been destroyed. They have requested that if I still have them, I forward copies of the sales documents I received at the time.
I have all the relevant documents on file and I have forwarded one document which I believe is favourable for my case. However, should I release copies of the other documents?
Do I have to prove the endowment was mis-sold or does the seller have to prove it wasn't mis-sold? If the latter then there is no advantage for me in sending copies of the documents and indeed, since I don't know the exact process for determining if the endowment was mis-sold, there may be disadvantages. :-?
Hi
My parents are in a similar situation where they were mis sold a mortgage by a financial advisor who in my opinion was only selling them the endowment to make the most commision. still, have you spoken to the FSA Ombudsman as they deal with complaints of mis selling endowments and will deal with it for you. my suggestion is initially contact the fsa and see what they have to say
Endowment Mis-Selling. Burden of Proof?
and asking for compensation. They have responded that they will investigate but that all their papers relating to the sale of the endowment have been destroyed. They have requested that if I still have them, I forward copies of the sales documents I received at the time.
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