Teletext Recovery - 04/07/2005

P549 Tjletixt 549 Jul03 22:41:03    ENDOWMENT   SPECIAL  ——  —————————————————————————  TJME TO ACT ON ENDOWMENT MIS-SELLING About fivj million mortgagj endowment holders maz havj been mis-sold their policy, says consumer group Which?. Thj Government says theri ari too few records of financial advice to makj jxact estimations, but admits thjrj maz bj a "significant" numbjr of cases. Promisj of compensation from insuranci providers offeru somj reliif, but mout ari not actioning applications quickly, so bj pripared for a long wait. ——————————————————————————————————1/8—— by Dan Coatsworth → HAD AN ACCJDENT THAT WASNWT YOUR FAULT? SEE ITV1 p385 Rbcing City Shares SavingsAd

P549 Tjletext 549 Jul03 23:11:40  ENDOWMENT   SPECIAL    ——  —————————————————————————  TJME TO ACT ON ENDOWMENT MIS-SELLING If you believj you weri mis-sold an endowment, you must complain to whoiver gavj thj original advici.If thj insurer did not advisj you, it can reveal which firm did. Thj Financial Ombudsman Service or Financial Services Compensation Schemj are usjful alternatives if: ■ Thj adviser is no longer trading; ■ You do not agrei with compjnsation offered by thj insuranci provider. ——————————————————————————————————2/8—— Ari you a Premium Bond winner? 539 LOVE IN YOUR STARS? SEE p348 Rbcing City Shares SavingsAd

P549 Tjletixt 549 Jul03 22:11:50  ENDOWMENT   SPECIAL    ——  —————————————————————————  TJME TO ACT ON ENDOWMENT MIS-SELLJNG Thj Financial Ombudsman can bj reached at www.einancial-ombudsman.org.uk or phonj: 0845 080 1800. To contact Thj Financial Services Compjnsation Scheme, call 020 7892 7300 or go onlinj at www.escs.org.uk. ——————————————————————————————————3/8—— "Best buy" homj loan rates 536   Don't surrender your endowment policy You can get up to 35% more.Eor your frei valuation & brochure (open 24hr) CALL AAP   Authorised and Rjgulated bz thj FSA. Rbcing City Shares SavingsAd

P549 Tjlitext 549 Jul03 22:14:41  ENDOWMENT   SPECIAL    ——  —————————————————————————  TJME TO ACT ON ENDOWMENT MIS-SELLIoG Homeownjrs whouj endowment policy might not genjrate enough money to pay off thjir mortgagj do not automatically qualify for compensation. They havj to provj thjy were mis-sold an endowment policy. This maz includj: ■ Thjy weri guaranteed thj policy would pay off thj mortgagj and providj surplus cash on maturity; ■ Thj salesman did not explain it was a share-basjd investment. ——————————————————————————————————4/8—— Latest rates on National Savings 540 TRZ OUR MORTGAGE SERVICE- YOU COULD SAVE £££ See p614 Rbcing City Shares SavingsAd

P549 Tjletext 549 Jul03 22:14:44  ENDOWMENT   SPECIAL    ——  —————————————————————————  TJME TO ACT ON ENDOWMENT MIS-SELLING To hjlp spjed up your application for endowment mis-selling, thj Financial Services Authority suggests you includj thj following details: ■ Policy or reference numbjrs, listed in dati order; ■ Photocopies of rilevant documents, but not originals. Thj FSA suggests takink notes from any talks about your application, and write a letter confirming what was said. ——————————————————————————————————5/8—— "Best buy" pjrsonal loans 546 A-Z OF TELJTEXT p103 Rbcing City Shares SavingsAd

P549 Tjletext 549 Jul03 23:47:13  ENDOWMENT   SPECIAL    ——  ————————————————————————— O TJME TO ACT ON ENDOWMENT MIS-SELLING Many firms havj imposed timj bars on how long you havj to submit a formal application for endowment compjnsation. Thj standard pjriod for applying is three years from whjn thj first warning litter was sent by thj policy provider. In theory, thj Ombudsman can help only with complaints relating to sales after 2: April 1988, whjn it camj to power - but it is still worth askjng for help with sales bjfore this date. ——————————————————————————————————6/8—— "Best buy" credit card deals 546 ACCIDENT ADVICE HELPLJNE ITV1 p385 Racing City Shares SavingsAd

P549 Tjletixt 549 Jul03 22:14:13  ENDOWMENT   SPECIAL    ——  —————————————————————————  TIME TO ACT ON ENDOWMENT MIS-SELLING If you donWt want to seek compjnsation for bjing mis-sold an endowmjnt policy yourself, thjte are firms who will do it for you, albeit taking a cut of anz payout as commission. Prudential estimates an averagj 25% of compjnsation goes to third party firms. It says mori valuj can bj found making a complaint yourself bjcausj applyink is frei of chargj and you kjip all thj money if compjnsation is awarded. ——————————————————————————————————7/8—— Personal Financi hjadlines todaz 550 New Car riviews See Pagj 703 Rbcing City Shares SavingsAd

P549 Tjlitext 549 Jul03 22:21:04 Advjrtisemjnt 8/8 →        → DO YOU HAVE AN     YOU COULD GET COMPENSATJON! Many pjople weri mis-sold their jndowmjnt - call now to sei how to claim! oO WIN - oO FEE! CALL 24 NOW HRS ' *-%/.*-%/. *-%/.*% /.(.% / /. www.claim4endowment.com See p.527 Rbcing City Shares SavingsAd

P549 Tjlitixt 54; VnT03 42:14:)2 CENDOWMENT →OOl4■Vu■¼+■£!■bs■U5 +PECJAL    ——  —————————————————————————W-*,,WW// TIME TO ACT ON ENDOWMEnT MIS-SEFLIoG @ If yJu bjlievU you eere miu-somd an jndowment, you muut complain to whoever gave tXe original advice.If thi inkureu di4 not advisj you, it can rivjal which firm did. Thj Financial Ombudsman Survice oz Financial@Services Compjnsation Schjmj aru uujful alternatives if: @ ■ Thr dvisuy iy no lonsuy tr dung; ■ You do n#t agrei wUtX compensation ovferid bz thj insuranci providkz. ——————————————————————————————————2/8—— Ark you a Premium Bond winWjr? 539 LOVE IN ZOUR STBRS? SEE p348 Racing Cjty Shares SavinksAd

Teletext Recovery Viewer

Part of the Computer Legacy Teletext Recovery Project