If you're only just thinking about this, I have to ask - have you not read a paper for the last 5 years (and more like 10)? It's been all over the papers everywhere you cared to look.

If you're only just getting round to it now, it's quite likely that you'll be falling foul of the time criteria (three years to complain about it, starting from when you should have noticed that it wasn't going to be covered). Which? reports have had a few people where that's happened to them. Which? of course didn't like that at all, but the banks were within their rights, and IMO there really wasn't anything you could say except "didn't you read the letters?" Might not be the same in your situation, of course, but if you're only just starting to worry about an endowment shortfall now, I'm afraid you really haven't been keeping your eye on the ball.

Graham.