What evidence is required to substantiate a claim that an endowment policy was mis-sold? |
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The policy change will not affect those customers who complain that they were mis-sold their mortgage endowment policy. |
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It's been hard to miss the various headlines about shortfalls in endowment mortgages over the last few days. |
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I have been warned to expect a significant shortfall on my mortgage endowment. |
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The college offers low tuition fees and the department has a generous endowment for student awards and assistantships. |
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Edward did not grant her a generous landed endowment, and there are indications that she suffered some financial problems. |
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With the remaining resources, institutions are to improve their academic programs and grow the institutional endowment. |
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The King's tremendous support of the abbey of Cluny is discussed thoroughly, as is his foundation and endowment of the Cluniac abbey at Reading. |
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Iraq's large oil endowment will largely remain unexploited until a stable political environment is established in the country. |
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As with other insurers, it has a two-tier bonus structure on its endowment policies. |
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In 1123 Henry I granted the manor to the bishop of Lincoln for the endowment of a prebend. |
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The critical factor in the failure of endowment mortgages has been poor investment returns. |
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As an African American diarist in antebellum and post-bellum America, she was a privileged individual by birth and endowment. |
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Heck, he could probably flog you a crummy endowment mortgage and a rubbish personal pension plan. |
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In Arabic, a waqf implies a religious endowment fund, which renders a property unalienable, incapable of being surrendered or transferred. |
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The argument for the latter advice being that an endowment policy pays out a lump sum on maturity. |
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But what if you wanted to sell your house before the endowment policy was fully vested? |
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It has an endowment from impropriated tithes and is still a useful institution, chiefly preparatory for the College. |
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However, very few if any endowment policies have matched the interest rate being charged on debt and bonds. |
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Finally, anyone who feels they received a very raw deal by being sold the endowment in the first place may be able to claim compensation. |
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He increased the university's endowment and, at the same time, enormously expanded administrative costs and perquisites. |
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The answer depends on how well or badly the endowment policy is performing and whether or not you wish to continue with it. |
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In 1988 I remortgaged and was given a non-status mortgage provided I signed up for an endowment. |
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Nor will you investigate remortgaging your property, nor do anything about that costly endowment. |
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So I have been somewhat irked to find myself being bedeviled with calls from so-called endowment ambulance-chasers. |
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However, in general do not simply increase the premiums you pay into your endowment. |
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Endowment Mortgages use an endowment policy to provide life insurance and save funds to repay the loan at the end of the term. |
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It relates to one of my three endowment policies, which at maturity in seven years time will not be sufficient to repay my mortgage loan. |
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Those who opted for endowment mortgages could also face serious repayment difficulties. |
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The council confirmed that the land in question is held as an endowment for municipal purposes. |
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The department spokeswoman said it did not distinguish between life assurance policies and endowment policies. |
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The two new products will be linked to endowment and pension plans respectively. |
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Pension funds and endowment policies have been hit by bonus cuts and withdrawal penalties. |
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For the first time buyer this choice will be between an annuity mortgage and an endowment mortgage. |
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One quarter of pension and endowment policy holders did not realise that their money was invested in the stock market. |
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Many of the worst life assurance, endowment, payment protection and home insurance policies are pushed by mortgage lenders. |
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During the Eighties and early Nineties, millions of homebuyers were encouraged to buy endowment policies along with their home loans. |
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So why would anyone want to buy a traded endowment, given today's investment environment and the poor outlook for future bonus declarations? |
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The college offers low tuition and the department has a generous endowment for student awards and assistantships. |
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Each of us arrives in this world with a genetic endowment primed for learning. |
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The National School, which is numerously attended, is supported partly by endowment, and partly by subscriptions. |
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In return he offered the community a substantial endowment of 47,500 maravedis and an additional 3000 maravedis for work on the church. |
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If you do continue with the endowment please do so on the basis that you will keep it until maturity. |
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About three quarters of endowment mortgages sold over the last two decades are expected to post a shortfall when they mature. |
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The endowment mortgages, with-profits funds and private pensions on which people staked their futures are a national scandal. |
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By the early 14th cent. the endowment of almshouses had become a favoured form of charitable bequest. |
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Even today you will find experts within the insurance world who will swear an endowment is the very best way to repay a homeloan. |
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I especially like the discussions of behavioral economics, transitivity, endowment effects, and the like. |
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As the name is intended to suggest, it is marketed as a sort of vinicultural endowment policy for homebuyers with interest-only mortgages. |
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The benefits achieved in pensions efficiency are spilling over into other areas, notably the much maligned endowment. |
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On this basis, which is a similar one to the endowment mis-selling case, I believe that my company pension and AVC plan were mis-sold to me. |
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In the ombudsman's view, for example, anyone sold an endowment policy shortly before retirement was probably mis-sold and should be compensated. |
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We had been in dispute with a major financial institution since February because we believed we had been sold an endowment policy that was not suitable. |
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And then there are the wealthy nations who not only use their natural endowment of water more wastefully but consume water invisibly in industrial production. |
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The fund would then disburse the money based on a formula, providing regular payments until the endowment is exhausted. |
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In other words, we come into the world bearing with us an archetypal endowment which enables us to adapt to reality in the same way as our remote ancestors. |
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And he discussed some recent and very real troubles, as its endowment was whittled down. |
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Murray also errs in reducing educational attainment and professional success solely to genetic endowment. |
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The endowment policy will have a guaranteed sum assured if the policy is held to maturity by the investor and the price sought is often much less than the guarantee. |
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Harvard, which has an endowment for the teaching and study of animal rights law, hosted its second annual animal law moot court competition in February. |
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The endowment scandal looks set to blow up in the insurance industry's face this week as evidence mounts that the government has entered the fray and is looking for solutions. |
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Since Rogers took over, the endowment has increased more than sixfold. |
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As a consequence of the approach adopted by insurance companies on the early surrender of endowment policies, a market has developed in second-hand endowment policies. |
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If you can, you may choose to keep the endowment going as a separate investment and hope that performance improves but of course there is no guarantee. |
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Each endowment case will be different and should be examined individually. |
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Looking at other mutual insurers that have demutualised in the past, endowment and pension payouts have fallen faster for the quoted companies than for mutual insurers. |
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The problem had to be approached from another side when it related to a Church disestablished and disendowed, and with no prospect of obtaining any endowment. |
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On Ba Kan Tiang beach, in contrast to Pimalai's rich endowment of marble, is its beachside neighbour, a restaurant that seems to be built mostly from driftwood. |
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In return, he presented the University with a handsome endowment for genetics student prizes and scholarships, funded by the sale of the cream of his reprint collection. |
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First, the college made a decision five years ago, in response to the decreasing value of our endowment, five percent of which is used each year for operating expenses. |
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I have been notified of a shortfall in the endowment policy taken out by my mother and myself with your insurance company, and would appreciate your advice. |
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Many endowment policy holders are facing this situation at the moment. |
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The difference between endowment mortgages and pension mortgages is that, rather than taking out an endowment policy, you take out a pension plan. |
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In the Fuero Juzgo, the groom's endowment was limited to a tenth of his property. |
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The Scottish Parliament established, and later abolished a graduate endowment to replace the fees. |
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Each college is an independent charitable institution with its own endowment, separate from that of the central university endowment. |
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It has the third largest endowment of any university in the United Kingdom, after the universities of Cambridge and Oxford. |
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The usual pattern was to create an endowment to pay the wages of a master to instruct local boys in Latin and sometimes Greek without charge. |
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Khodr is a countertenor, a male voice that emerges from natural endowment rather than ethically dubious surgical procedures. |
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Statoil Technology Invest is making an endowment in Corvus Energy, who is the manufacturer of lithium ion energy storage systems for ships. |
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A welsh mp yesterday agreed to pay libel damages after a campaign against endowment policy mis-sellers backfired. |
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I SPLIT with my husband five years ago but our insurer won't pay out on an endowment policy unless we both sign the paperwork. |
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Many were told their endowment policy would repay a future mortgage and also produce an extra lump sum on top. |
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I read your recent column about repaying the debt on an interest-only mortgage using an endowment policy when the policy matures. |
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By 2000, he had put most of its endowment fund in illiquid investments. |
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And the Rechabite Friendly Society has a tax-exempt endowment savings plan allowing customers to cash in on abstinence. |
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Mary, Worcester and the endowment of the minster at Stow St Mary, Lincolnshire. |
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The railway was to be a waqf, an inalienable religious endowment or charitable trust. |
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The endowment effect was found to occur as soon as the item is acquired but also to increase over time. |
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Thus, in contrast to the indigenous people, Europeans had developed a richer endowment of antibodies. |
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It has the fifth largest endowment of any university in the United Kingdom, and the largest of any in London. |
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Its income is from exhibitions, trust and endowment funds, receipts from its trading activities, and from the subscriptions of its Friends and corporate members. |
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Also, a new endowment was set up in June that will benefit the 11 Council of the North dioceses such as the Arctic that are large in land mass but sparsely populated. |
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The impact of their agricultural endowment to the world is a testament to their time and work in reshaping and cultivating the flora indigenous to the Americas. |
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In 1301, this modified principality was bestowed on the English monarch's heir apparent and thereafter became the territorial endowment of the heir to the throne. |
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Although neither of these two persons was agnatically related to al-Hasan because of the intervening female link, both sought inclusion as beneficiaries of the endowment. |
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I am delighted at this new endowment, which will give students from Pakistan the opportunity to study at unarguably one of the greatest seats of learning in the world. |
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The ATS endowment funds development of advanced seagoing technologies and opportunities for high-risk, high-reward seagoing research, often in remote, unexplored regions. |
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Shaw's short 1910 play The Dark Lady of the Sonnets, in which Shakespeare pleads with Queen Elizabeth I for the endowment of a state theatre, was part of this campaign. |
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However, when real subjects play this game, first movers send on average about half of the endowment, and second movers, on average, just reciprocate. |
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This simple deterministic endowment process is the degenerate case of a stochastic economy with two Markovian states with a zero probability of remaining in the same state. |
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