Clarke Willmott

REQUIRED DOCUMENTATION 

For the purposes of litigation, Clarke Willmott will require a copy of all of the correspondence, documentation that you have either received from, or sent to, the Society and other organisations or individuals relating to your annuities.

I have set out below as an example all my documents that I will be sending. Each WPA’s list will be somewhat different, if only because your annuity started at an earlier or later date than mine. If you are in doubt, then make a copy and enclose it with the other documents.

Self evidently many of the documents that you are being asked to copy will be the same for every annuitant but it is important that Clarke Willmott have your complete file. In many cases they will need to know exactly what you received.

Clarke Willmott have asked that you send your papers in the order listed below if possible with all correspondence arranged in chronological order with the earliest date at the top.

If you do not have or cannot find these documents, then please indicate where possible which are missing so that Clarke Willmott can write to the Society on your behalf using the Letter of Authority.

1.      Your full file of correspondence with ELAS in respect of your With Profits Annuities to include:

a.       All correspondence in respect of the policy or policies with which the annuity was purchased (e.g. your PPP, RAC, Occupational Scheme etc);

b.      All illustrations sent or given to you whether or not you took the annuity illustrated;

c.       All Product particulars, Key Features Documents, Policy Documents and other literature sent to you. If possible, keep this with the letter it was sent with. If this is impossible please kept hem in a separate ‘Literature’ section;

d.      Copies of any letters you wrote to the Society and any notes you took of meetings, phone calls or simply your own deliberations. These can often be more helpful than they initially appear;

e.      Correspondence in respect of policies, which were recommended but not taken.

2.      Any correspondence you have had with the Society, FOS, your MP since the purchase of your Annuity in respect of any complaint you have made

3.      Annual Bonus Declarations

4.      Annual Statements

5.      Standard letters from the Society including:

Society to seek ruling from High Court 19^th January 1999

With-Profits Bonuses for 2000

Implication of recent legal action  21^st August 2000

Closure of Society to New Business 19^th December 2000

Acquisition of the Society by Halifax Group 27^th February 2001

Halifax Equitable 19^th MARCH 2001

Report on Progress 26^th April 2001

Bonuses for With-Profits Annuities8th May 2001

A Brief Guide to With-Profits undated but post July 20001

With-Profits Policy Values 6^th August 2001

Policyholders’ response to the proposed Compromise 19^th October 2001

Policy Value Statement 31^st October 2001

Compromise Offer Recommendation fro your Board 1^st December 200

Dear Policyholder 11^th December 2001

Dear Policyholders 8^th February 2002

Equitable Life 2002 and beyond undated but post Compromise      

Dear Policyholder 15^th April 2002

Dear Policyholder 27^th May 2002

Letter to ELAS from PRS 4^th June 2002

Changes to financial adjustments 3^rd July 2002

Your With-Profits Annuity – planned reductions November 2002

How your With-Profits Annuity Works November 2002

Your With-Profits Annuity – further reduction January 2004

How your With-Profits Annuity Works January 2004

6.      Any further literature, General Marketing Material or circulars sent including:

Key Features of the Equitable Pension Annuities

ELAS With-Profits and Unit-Linked Annuities

Retirement Income Relative past performance

Investment News

Your Statement Explained

With-profits Annuity Statements – Further

Retirement Income Pension Annuities

Retirement Income With-Profits Pension Annuities

Getting the Right Pension is an Important Question

Choosing your Pension Annuity – Time to Reflect

The Equitable Life Assurance Society (Company promo)