i got my dosh back after contacting the bank over a loan protection insurance i clearly didn't need, i was persuaded to take one out, and received all the payments back, over 500 quid and an abject apology, this was before the current hoo hah over missold policies, not to mention that
currently waiting is the card protection insurance which was also something didn't need, and received a letter from the company to say that there are thousands of possible recipients, and that currently the matter is being dealt with. So will hope to see monies returned on that one
so don't spend it wisely, blow it on wine, women, men and song.