The following article really does support what I have been banging on for years. The Banks are not trustworthy and the regulatory oversight has been woefully inadequate. It is a shame in one way that the UK legal system does not have punitive damages unlike the USA. These institutions should be not only clearing up the mess they have made, they should also be forced to contribute more to society for such behaviour as the payment protection insurance mis-selling scandal. http://www.moneymarketing.co.uk/regulation/the-10-firms-with-the-most-complaints/1048867.articlernrnThis information is the opinion of the author and 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.rn