I took out one of these when they came out in 2001. I have just looked at what I have paid in and what it is worth currently. It works out at an accrual rate of about 3% per year. Is this another scandal? I reckon if I had put the same amount in an ISA over this time it would be worth more. Why do we get ripped off again and agin by these big companies? Answer because they can. I have read the thread about Pru AVCs, i have one of those as well, which looks like it will be worth sweet FA when I retire. Even property (outside London) is not making money, yet someone is judging off the returns of the banks even after the hit they take over PPI. I am ****** off.