Hi Had a giggle today, the mortgage company sent me there dicision and concluded that I had been mis-sold my endowment, but (what a suprise ha,ha,) the balance is the same as if I had taken out a repayment, therefor no compensation is due. having looked at ther calculations I went and made a cup of t, then finished watching the tv. 'cause I was none the dam wiser. should I go to a finacial adviser or not bother. if only life was simple

Hi Mumofthree, May I say a very many thanks to you, you have given me a rough idea of any money's worth fighting for. Based on your calculations sadly not a lot. but I like a good fight plus anything in my bank is better than in theirs. thanks again

Hi, does anyone know of a calculator we could use to work out (roughly) the possible figure. I understand that the sum is the diference between the policy value and what would have been paid off if a repayment mortgage had been used. as we know that it is mostly intersest that is paid of initialy how can we get a figure. ie say I have a 35k mortgage and a policy value of 8k at 10yrs, but I cant work out, had I had a repayment what I would owe now.

as a disable person myself I looked ito this a little bit and found out (as I undestand it) that only the cost of adaption is vat free, not the cost of the item. if only life was simple

Hi, having parked in a hopsital carpark (bay) for an outpatients appiontment useing my disabled blue badge, I returned to my car to find a warning notice on it (similar looking to a parking ticket) stateing that if I was going to use my blue badge again I can only use it in disable bays. I cannnot use it to park anywhere else I.E. on site. Therefor if the disabled bays are full (and there are only six of them) then I must purchase a parking ticket or face the usual penalty. My question is can this be enforced or is it simple another jobsworth

Hi This is my first post. I felt I had to join in as the post from 221b is so useful. I have recently sent a basic letter of complaint and recieved a quetionaire asking for details of the meetings held between myself and the advisor. your letter assisted me with this and I was able to recall and re-word your letter to suit. Many thanks. your post also gave me the confidence to pursue the claim, as you have informed me how to. An excellent site if only life was simple