Hi Everyone after numerous hours of arguing - at least 1 failed attempt by Aviva to calculate the correct penalties and about 20 E-mails ...............I have yesterday received final confirmation that aviva will not uphold my complaint or be reducing the redemption penalty on my mother in laws terminated Agreement £150,000 of costs and fees including a £30,000+ redemption penalty based on Gilt yield differentials................a very unfair clause and approach that should never have been offered or sold into the deal without other options such as a cap. Not only will I now be escalating this to the onbudsman, the OFT and the courts but also Watchdog..............Aviva please dont cover this post again with a PR stunt and try to soften the message .................I mean business and will not walk away from this and neither should anyone else who is subjected to this 1 sided process........and dont tell me that Aviva is correct and legal ground - the redemption clause stinks ................if you look at the papers you will know that banks are provisioning hundreds of millions for missold derivatives which amounts to the same thing ......so its one rule for businesses and another rule for consumers not this time........if anyone can offer assistance or help or advice please e-Mail me at my trading business address [site team edited] thanks Nvp