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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. To imagine a social world before photography, we would must imagine a world without picture IDs; without portraits of ordinary people; one without pictures as souvenirs of travel; one without celebrity pictures; one without advertising photographs; one without X-rays or views of outer space; some sort of without views of foreign and exotic peoples; one without pictures of sports, wars, and disasters; and one when the great masses of people had no approach to visually record giving her a very events of their lives. It has been said that change is difficult. I have also heard the older you are the harder it can be to alter. These two theories alone be a part of your constitute. Especially if you hold them near your heart and take into account the two as facts. Yes, I contend the stronger your belief is within anything then shifting becomes quite an effort. I think it over to get at least nurturing at least. The main motive for restumping of a home is togive safety against floods. Home owners are encouraged to raise their houses bythe administration so as to remain secure during such disasters. Particularlythe cost of house restumping ishigh since it involves enforce the foundation & raising it well above theground. Read More:  Cookies: