I took out an endowment mortgage in 1987. Got letter last year to say there was a short fall expected at end of term and could possibly still owe 6,000.
I made a claim and explained the guy who advised me (from their company) said it could be cleared much earlier than the 25 year term.
They accepted my claim and repaid me the full amount as if it had been a repayment only mortgage. I received what amounted to half the full amount I borrowed in 1987. I gave it all to building society and now have a repayment only mortgage.Which is pittance.
PM if I can help.
DS