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If you are going to text he or she, timing is everything. Do it too soon and you might very well kill any chances of reconciliation. It may put pressure on him and pressure will not endear one to a person. He may feel guilt. If you want an ex back, causing him to feel negative feeling won't do it. It's best to wait after a separation to text him and I don't mean a day or two. I mean weeks. Give your emotions with his fantastic time and energy to relax. Texting him when emotions are high is only going to complicate matters. 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. These days we have seen the younger generation that's into the gothic and punk movements wearing the black fishnet stockings combined with remainder of their black wardrobe and black makeup. Personally, I think which is the only time I have seen fishnet stockings that didn't look sexy. The stark white faces with makeup that makes someone look dead or like a vampire just doesn't take action for me.