This website and all its content (including the downloadable PDF files) is protected by UK copyright law. The site is intended for the sole use of members of the public, concerned about either having been mis-sold a financial services product or suffering unlawful bank charges.

If you are visiting this website for the purpose of obtaining information or documentation to use in a commercial activity then you should leave this site now.

I have extensive contacts within the financial services and banking industry. It will come to my attention if you infringe my copyright by plagiarising from this site. I have taken legal action against firms in the past and will not hesitate to do so again. You have been warned.