I never got a warning of a final date by which to complain, but have been time-barred by the firm anyway – is that right?
It can be, because our rules changed. So, if: • you received a letter warning of a high risk of a shortfall before 1 June 2001; and • you received a second or similar warning before 1 December 2003; then the time limit for you to make a complaint ended at the latest of: • six years from when you bought your policy; or • three years from the date you received the first warning of a high risk of shortfall; or • six months from the date you received the second or similar warning. If you made your complaint after the latest of these dates, your complaint is likely to be time-barred, even if you got no warning of a ‘final date’.
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