For years, those who dared question the Fairness and Honesty of Endowment Mortgage Presentations were frustrated and repelled by the Financial Institutions Management Personnel with DISMISSIVE RESPONSES, such as:

‘I am sorry that you feel the Quotation is a Contrived Misrepresentation of the Policy. The commission the Life Assurance Company pay to the seller is a contractual agreement between them and we are not obliged to disclose the amount of same. The Quotation for your Mortgage provided Accurate Facts based on assumed growth rates.’

and

‘It is understandable that where an Endowment type Mortgage does not appear to be performing conflict may arise with the Insurers. However the degree of disappointment / satisfaction will not be ascertained until the maturity date when the true performance of the investment will be known.’

Their success with such arrogant dismissive responses, coupled with their general confidence that the consumer as an individual was legally impotent in the face their 'people of the utmost integrity' status within the most powerful Bastions of Society, reinforced the belief among the Management Personnel of these Financial Institutions that ––––––––– 


THEY ––––––––– were part of an elite Upper Caste.

THEY –––––––––  are THE UNTOUCHABLES.

But, ANGER is a powerful source of Energy; it can sustain a man for many years in his Quest for Truth and Justice.