Quick summary: A useful inheritance loss review file should show what advice was given, what the client understood, what alternatives were discussed and how the balance changed over time.
Gather the original advice and illustration
The key documents are usually the suitability report, key facts illustration, offer, adviser notes and any explanation of compound interest, roll-up interest or inheritance protection.
Show what alternatives were discussed
Evidence may include whether downsizing, family support, conventional mortgage options, benefits advice or other repayment routes were considered and documented.
Track the balance and family impact
Annual statements, redemption figures, estate information and correspondence can help show how the debt developed and whether the effect was understood.
Useful evidence checklist
- Suitability report and adviser recommendation
- Key facts illustration and mortgage offer
- Annual statements and redemption figures
- Notes about inheritance protection or no-negative-equity explanations
- Family correspondence, vulnerability evidence or capacity concerns if relevant
- Complaint letters and provider responses
What Quaerens can do
Quaerens can organise the evidence, identify gaps and prepare a clear assessment report. Where legal or regulated claims work is needed, suitable matters may be referred to authorised partners.