The following article supports my personal campaigning for the industry regulator to pursue individuals at the various banks who give duff advice. http://www.moneymarketing.co.uk/investments/santander-worst-for-investment-complaints/1069498.article If the FSA went to the evidence of collating the secret shopping information, why did it not make any complaints to the professional bodies of the offenders identified, or use their powers to censure individuals? If a group of independent financial advisors were targeted like this and had such shockingly dismal results, the old FSA would have been far more proactive at bring them to task. I hope the FCA will be persuaded of my view that banks need to be held to the same standard as independent financial advisors.rnrnThis information is intended to provide a general review of certain topics and its purpose is to inform but not to recommend or support any specific investment or course of action. The tips may not apply, or be suitable, to everyone and you should contact us for advice if you are unsure whether this is the case.rn