On Thursday 9th October we rang Legal and General to surrender our endowment policy and were told that they would use the close of business price for that day to work out the surrender value. They gave us a figure on 9th Oct that we were happy with but we have just received the surrender letter to confirm how much we are getting, dated 15th October, and they have used 13th October as the date of surrender to work out our payout. Why would they do this? Does it take two working days to organise a surrender of a policy? The policy lost a lot of money in those two days. Do we have any basis for a complaint?