If a complaint
relates to the sale of an endowment policy
for the purpose of achieving capital repayment of a mortgage, the receipt by the complainant of a letter which states that there is a risk (rather than a high risk) that the policy
would not, at maturity, produce a sum large enough to repay the target amount is not, itself, sufficient to cause the three year time period in
DISP 2.8.2 R (2)
to start to run.