I hate finances!

I've got an endowment thingy that I've had letters about telling me it's going to fall short by about two-thirds the projected payment. I don't understand. I don't understand! I've just read the policy and I still don't understand. I'm about to look at one of these claim4you companies to see if I can answer the questions they want answered. They're scaring people into using them, saying 85% of people who try to do it themselves dont get anything. One wants 25% of what you get to do it for you. Which is a bit steep, why not a set rate? I mean, it takes as much time for them to deal with it for someone who's got a £10K endowment as a £25K one, huh? A couple of thou is quite sufficient. Anyway, I'm as confused now as I was before. I phoned a 'financial advisor', someone who set up my pension which I gained from my ex, but didn't yet get a reply. Also, I suppose, on a no win no pay basis it's fine but . ..... I can't even be fagged to finish what I was writing! Finance stinks. I was of the era where hubby did the finance and I did the house and kids, etc. Why'm I suddenly supposed to be a finance expert???? No, the accounts haven't got any further. I spose I'll just go over to the claim4you site and give away as much as I would have gained. Ah well, at least it'll be dealt with. I'm all at sea. I've just baked an onion, bacon and egg pie. I can't remember when I last made pastry. I didn't have enough pastry to put a lid on the pie so it became a turnover. I thought I had sinusitus and a stye. Stye's almost gone but it appears I have a snotty nosed cold. I am not a happy bunny. I did do one useful thing today, I took my decree whatever to the pensions peeps to prove I'm divorced so they can work out my pensions forecast. I think I'm probably worth more deceased. I've got a pensions document to go thro for work. I'm just as at sea there. Why can't I get my head around this? Don't like, not happy.