the Bank.... see what they have to say... so be VERY WARNED about using third parties to take out your Insurance through......... I'm now in "BATTLE MODE" as nearly finished emptying the cellar (after they told us not to) and we have lost 1000's of stuff....... someones going to pay for it...... not us lose out...... They are worse than that, they think that because they returned my payments, that I am going to forget about it... wrong........ why should I lose out because someone has told lies to get their payments for introducing another client....... wrong......... the worse part is that they have now marked my file as having my Insurance has been cancelled by them, so when I try and get new insurance I either get turned down flat or they want all the "Risk Loaded" policy money up front or make the amount for insurance so high I wont be able to afford it...... so lets see what the Ombudsmans got to say about that...