Do You Have An Endowment Policy?
Do You Have An Endowment Policy?
Do you have an endowment policy that you hope will eventually pay off your mortgage? If you do there is a very good chance that it might not be sufficient to repay your mortgage at the end of its natural term. If you have been reading the financial press you may already know this.
And if you have recently received a Red Letter from your endowment mortgage lender then you will already certainly know! So what do you do now? You must act promptly to ensure you can meet the potential shortfall when your endowment matures.
That’s the really bad news, but the good news is that it is not too late to do something major about it, but you need to act quickly.
You may be SIEMENS WT46S513BY unhappy with the way your policy was sold to you in the first place, and you would be in good company if you were, as hundreds of thousands of people have been and are taking steps against their endowment
company. If this applies to you too, you do have a right to make a complaint, providing that you do something about it and complain within three years of receiving your first Red Letter. If you don’t complain within that time, then your complaint may be rejected out of hand, no matter how justified your poea job hiring case may be, hence the urgency.
So who should you complain to? In Great Britain you need to complain to the company or person (perhaps a маринатор Киев financial advisor) who sold you Аб Кинг Про Винница the policy in the first place and this may well be different from the company that actually issued the endowment policy. Explain your situation and tell them that you wish to make a formal complaint. They should then give Очень русское ТВ с Вадимом Галыгиным (2008) SATRip you an official complaints procedure that you should follow.
In Britain you can also discuss the matter with the Citizen’s Advice Bureau and you can visit their website at www.citizensadvice.org.uk or you can try the Financial Services Authority, their web site is www.fas.gov.uk/consumer.
Unlike the Citizen’s Advice Bureau the FSA cannot give you one-to-one personal advice, but as real estate agent the official regulator of all financial services companies within the United Kingdom, MIELE T 7744 C they will provide you with detailed fact sheets explaining how Экология Новости to tackle the problem, and a great deal of other information too.
If you reside outside Автосигнализации the United Kingdom and suspect you have the same problem, the first thing you must do is to check if the endowment policy you have will be sufficient to cover your mortgage when it matures. If you find that it isn’t, then make sure that you do something about it now before it is too late, and thus ensure that you don’t have a serious problem somewhere further down the line.
David Carter’s latest published work is SPLAM! Successful Property Letting And Management. Splam! Contains over 240 pages of hints and tips on how to start your own property business on a limited budget, and how to successfully let residential property. You can view actual extracts of the book at http://www.splam.co.uk and order a download or hard copy at this site. He also runs a holiday cottage website where you can access over 7,000 cottages, apartments and villas worldwide BOSCH MCM 5181 at http://www.pebblebeachmedia.co.uk You can contact David on any matter at supalife@aol.com
The Game, and How You Play It!
In the seventies I worked in an office, and although we were fairly busy, there was downtime. When things got quiet, several of us would play “the game.” We didn’t have a real name for it, but we all knew what “the game” was.
At the merest suggestion of quiet time, we would immediately pull Китай Новости out a lined tablet and beginning with a line at the top we would write an “A” at the far-left and continue down the page to “Z” with each line representing a letter of the alphabet. Then we would divide dawson homes for sale the page into columns. If there were three of us playing, there would be six columns. It there were four of us playing, there would be eight columns. MOULINEX FP 6031 Each column would be given a heading like “rivers” or “politicians.”
Before starting “the game,” we would Nokia 7210 agree on Лег Мэджик Луганск a time limit. We would take turns answering the phone. We would all stop when work had to be done, so that no one had an advantage.
The object of the game would then be to write down as many rivers as we could that began with the letter “A” then “B” and so forth down the page. The winner would be