Martin Lewis

But the basis, it's going to be much more all over the place or people could, of course...

go to court.

And in the extreme case, of course, there could be a ruling that none of this is relevant anyway and you're not entitled to money.

But then I still think people would still be able to go to court.

And that would, of course, which is rather interesting where the complaints come from, if everyone had to go to court, that would put a lot more customers in the hands of claims management companies.

So, Gavin, is there a risk?

Yes.

Yeah, I mean, you should definitely have had an acknowledgement and millions of people have had acknowledgement.

Some companies are really pants at this.

But you may, at this point, they should absolutely be acknowledging you.

And if you put your complaint in and you haven't heard, I would absolutely be getting back in touch with them at this point to say what's happening.

Any more?

That's us.

I think I'm just thinking anything I haven't told you.

I think I should probably explain the three different types of mis-selling, which is the one thing that I haven't done.

I'm not going to do this in over detail, but just to give you a picture.

The first is discretionary commission arrangements, and that's the big one.

This is where the interest that you paid was increased to pay the dealer or broker extra commission without you being told that that was happening.

So effectively, there was a premium added to the interest rate in order to pay more commission.

Now, that's a DCA and that's where it all started.