Martin Lewis

And those are the prime things.

I'll go through in a little bit what the three different ways that you were missold.

Now, you asked me about complaining.

Is it too late to complain?

This is the big bit you've got to get in your head.

At the moment, there is no way for any individual to know they were missold without complaining, because part of the complaints process is to ask, and the free template letters that are out there, this is what they do.

They ask the key questions to find out the information if you were missold.

And the reason that there's no way for you to know

is the whole point of the mis-selling is that they did not disclose to you the activities that they were doing that seemed to be mis-sold.

So you cannot know because if you did know, you wouldn't have been mis-sold.

So the only way to know if you're mis-sold is to ask, did you do this?

Because I don't know because you didn't tell me because that's the whole way that it worked.

So that's why you have to be considering putting a complaint in.

As for where to put the complaint in, I don't know if I'm allowed to say, am I, Simon?

I believe there is a website that has a very popular and charismatic podcast host, but also there's a money website that I'm involved in, but I'm not...

Look, I mean, I can't give the website name out.

Hopefully you'll work out for yourself.

There are other places I've got templates too.

My tool has had 4 million people use it, so you can probably find it for yourself.

Or you may be able to find another template out there that will work for you too.