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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. Journalists are professional cynics. If your mother says she loves you, we say: "Check against each other." Now we could, so could you -- for less than $ 149.99! That's the tariff of certainly in love and life, delivered by Trustier, a new software package that purports to turn your PC into a lie detector. Imagine its uses. Thinking of hiring this or that babysitter? Not sure your auto mechanics is entirely on the level about this $ 1,300 brake job? Is Honey really working later?