Endowment Policy Never Set Up

Who is responsible if a mortgage is set up without an endowment policy. My husband arranged a mortgage with Mortgage Trust through a broker. The broker worked out three different schemes and my husband took the paperwork to the Manager of National Westminster Bank for advice. After five years we discovered that the endowment policy had never been set up, by this time my husband was ill and could not get a policy to cover the mortgage. We were left with a mortgage that would never be paid off. The Broker had gone out of business, the bank was saying 'not my fault' so was the solicitor. We handed the keys back. Who should check that all paperwork is in place?

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