What happened when you handed in the keys? Did you sign something - a form provided by Abbey National, say? If you did, and you haven't got a copy, ask to see a copy. This will give you a starting point.(posted 8462 days ago)Who was the Endowment policy with? (It will may have been with a specialist Life company, not necessarily with Abbey National per se.) DLA and Abbey of course *should* know the answer to this, so you could consider throwing the ball back in DLA'a court by saying (politely), 'Well if you and your client don't know what's going on with regard to the very basics of this mortgage account, then how can you possibly expect us to assess your claim? Please supply us with full information about this Endowment, as well as full proof and evidence of your client's claim, in order that we can progress your client's claim against us.' I don't see how you can possibly assess the extent of any liability you might have if the lender (and its lawyers) are unable to answer basic questions like, what happened to the Endowment? I'm not expert, but it seem worth pursuing to me.