On 2 July, 19:48, "Andrew" wrote:
If he was an employee of the insurer, it probably wouldn't contact him
(though you can't guarantee that).

yes he was an employee (in1984) ...
Given his health ... I would not want the risk of them contacting him - so I
better leave it for the moment ...
(thinking coldly ... is there a time limit to complain ... if he were to
pass away in the next year or so could I defer action until then?
Can I complain even after the endowment matures ... (due later this year?)

thanks
A

Yes, there is a time limit to complain. It's hard to say what that
limit is from what you've posted - it mainly depends on when (if) the
insurer wrote to you to tell you that there was a high risk your
policy would not repay your mortgage.

On Thu, 2 Jul 2009 17:19:29 +0100, "Fergus O'Rourke"
wrote:

"Mark" wrote in message
.. .
On Wed, 1 Jul 2009 15:10:12 +0100, "Andrew"
wrote:

If I make a complaint re a mis-sold endowment policy in the mid 1980s is
the
insurance company likely to get in contact with their sales adviser who
retired some 20 years ago?
It was sold on the basis that it would definitely pay of the mortgage with
an extra lump sum on top ... It was my first dealing in finances and I
knew
little/nothing about how it worked.
Reason I ask is that the adviser is an elderly relative of mine ... not in
good health and he would take it badly if he thought I was complaining
about
him...
I really believe that at the time he fully believed in the product he was
selling me and I wouldn't want to proceed if it was to lead to any
grievance.

If it was sold in the mid 1980 is it unlikely it is covered by the FSA
scheme and it's probably too late use the courts.

Wrong on both counts

Would you care to say why?

--
(\__/) M.
(='.'=) Due to the amount of spam posted via googlegroups and
(")_(") their inaction to the problem. I am blocking most articles
posted from there. If you wish your postings to be seen by
everyone you will need use a different method of posting.
[Reply-to address valid until it is spammed.]

"Mark" wrote in message
...
On Thu, 2 Jul 2009 17:19:29 +0100, "Fergus O'Rourke"
wrote:

"Mark" wrote in message
. ..
On Wed, 1 Jul 2009 15:10:12 +0100, "Andrew"
wrote:

If I make a complaint re a mis-sold endowment policy in the mid 1980s is
the
insurance company likely to get in contact with their sales adviser who
retired some 20 years ago?
It was sold on the basis that it would definitely pay of the mortgage
with
an extra lump sum on top ... It was my first dealing in finances and I
knew
little/nothing about how it worked.
Reason I ask is that the adviser is an elderly relative of mine ... not
in
good health and he would take it badly if he thought I was complaining
about
him...
I really believe that at the time he fully believed in the product he
was
selling me and I wouldn't want to proceed if it was to lead to any
grievance.

If it was sold in the mid 1980 is it unlikely it is covered by the FSA
scheme and it's probably too late use the courts.

Wrong on both counts

Would you care to say why?

On reflection, I would not say it again !

Use of the words "likely" and "probably" were sufficient to make it RIGHT on
both counts.

I apologise to you, and to all readers

On Fri, 3 Jul 2009 18:47:04 +0100, "Fergus O'Rourke"
wrote:

"Mark" wrote in message
.. .
On Thu, 2 Jul 2009 17:19:29 +0100, "Fergus O'Rourke"
wrote:

"Mark" wrote in message
...
On Wed, 1 Jul 2009 15:10:12 +0100, "Andrew"
wrote:

If I make a complaint re a mis-sold endowment policy in the mid 1980s is
the
insurance company likely to get in contact with their sales adviser who
retired some 20 years ago?
It was sold on the basis that it would definitely pay of the mortgage
with
an extra lump sum on top ... It was my first dealing in finances and I
knew
little/nothing about how it worked.
Reason I ask is that the adviser is an elderly relative of mine ... not
in
good health and he would take it badly if he thought I was complaining
about
him...
I really believe that at the time he fully believed in the product he
was
selling me and I wouldn't want to proceed if it was to lead to any
grievance.

If it was sold in the mid 1980 is it unlikely it is covered by the FSA
scheme and it's probably too late use the courts.

Wrong on both counts

Would you care to say why?

On reflection, I would not say it again !

Use of the words "likely" and "probably" were sufficient to make it RIGHT on
both counts.

I apologise to you, and to all readers

Under what circumstances would it not be too late to use the courts to
get compensation?
--
(\__/) M.
(='.'=) Due to the amount of spam posted via googlegroups and
(")_(") their inaction to the problem. I am blocking most articles
posted from there. If you wish your postings to be seen by
everyone you will need use a different method of posting.
[Reply-to address valid until it is spammed.]

Mark wrote:
On Fri, 3 Jul 2009 18:47:04 +0100, "Fergus O'Rourke"
wrote:
[snip]
Would you care to say why?

On reflection, I would not say it again !

Use of the words "likely" and "probably" were sufficient to make it
RIGHT on both counts.

I apologise to you, and to all readers

Under what circumstances would it not be too late to use the courts to
get compensation?

Fraud is the one that springs immediately to mind.