trade alliance definition ENDOWMENTS: Perhaps in addition to pensions essentially the most widely recognised of mis-selling issues. Once again Lloyds TSB was fined a record ?1million in December 2002 from the FSA with the bank setting aside ?165 million to pay between 42,000 and 46,000 policy owners (averaging ?4000 per policyholder). The mis-sold endowment mortgages occurred between 1995 and 1999. As well as the Abbey Life arm of Lloyds TSB also involved were other providers identified by the FSA including Royal London Group, Royal Scottish Assurance (portion of RBS), Scottish Amicable, Royal and Sun Alliance and Winterhur. An estimated 430,000 homebuyers were in receipt of the total of ?1bn in compensation. In June 2005, the Financial Ombudsman Service (FOS) revealed it turned out receiving 1,300 endowment mis-selling claims per week. Widespread unsuitable recommendations of mortgage endowments were made to unsuspecting consumers, again these hints being driven by large commissions. Full time jobs in London are subjective like else whereby the globe. The availability of your fulltime job is dependent upon the expertise you have obtained over his education and in addition is determined by the way a particular industry over a whole is trending at that particular point of time. London is a place where most fortune 500 companies exist and industries like fashion, IT, food, finance and hospitality have become loaded with existence. All in all, obtaining a job in London will need a long research and hard work as soon as you land yourself in a job you like, its up to you prove your mettle. Most often it occurs that after one get a in their free time job and proves that he could be suitable, he is most likely to start creating a full time job in the same organization once he finishes his education. London can be a place with lots of opportunities awaiting and it is your choice to visit grab the one that best suits you best.