This site aims to help you if you need to complain.

You are getting one person's opinions, and we accept no legal liability for anything you do or don't do after reading this.

Some readers try to involve us in detailed analysis of their individual complaints. If we did that, this spare-time activity would become full-time, and we would have to charge fees.

As a strict rule we never ever give individual advice about which products are right for you, or what you should do about your finances.

If you need a product, consider talking to an IFA.

Prefer a fee-earning IFA to one who is paid by commission on sales.

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In some cases financevictims is paid a small commission, which goes towards the running costs of the site.

However, our choices are not influenced by this. In at least one field we have chosen to recommend a supplier which does not pay commission over one which offered to. In other fields, we will not recommend any suppliers at all, even though we have been contacted with offers of commission.

The recommendation criteria for choosing a supplier come first. Any small income flow is a secondary consideration and we do not allow it to compromise the independence of the site.

Scope of this site

Most people have two main questions about their endowment mortgage.

1. Was the endowment policy missold to me?

This site will give you some pointers.

2. What should I do now?

This question breaks down into two parts.

- Should I complain, and if so how?

Again, this site will give you some pointers.

- What should I do about my mortgage payments? Should I give up the endowment policy?

As a strict rule we cannot give individual advice - even though some people persist in asking for individual free help. If you want advice about the details of your own complaint, consult a specialist.

If you need financial advice about your individual circumstances, you need to talk to an IFA, who can assess your financial position and is qualified to advise you on that basis.

John Page
Webmaster