Martin Lewis

This is where commission paid to brokers or dealers was 39% or more of the total cost of credit and 10% or more of the total size of the loan.

The regulator sees that as excessive.

In all these cases, just to remind you,

It's only mis-selling if you weren't told and didn't have it overtly declared to you.

But they very, very rarely did.

So I don't really see that as a get-out.

Hopefully, that has given you all the information that you need.

OK, one final story I just want to do in this podcast.

I need to say, if you saw me online, you might have seen we were going to be talking about haggling and different ways to haggle and secrets of the call centre in our tellers.

I'm going to hold that because I think that works better when I do it with Adrian and we'll do it in the Five Live podcast next week.

I will, of course, be doing a mastermind there.

I have one all written and ready to go.

It's a good one too, so I'm slightly disappointed I haven't done it.

Hopefully you're not too disappointed and that you've got some decent info out of this podcast.

Now, final point is I want to warn you to beware British Airways' questionable behaviour as it pushes people to overpay for ESTAs and other travel permits.

This all came from a tweet I got.

Can you still call it a tweet?

You can't call it an ex.

What would you call it?

Is it an ex post?