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So yes, Mr. Smith so you declined my 500£ quote plus £100 for PII cover and went to the Co-op Bank who charged you £99 all in did you and how did you get on?

Well thats what I,ve come to see you about, David, they,ve sold my house aboout six months ago and I've still not had my money. can youy get on to them for me please/?

Sorry, Mr. Smith. You see I was unable to afford to renew my Practising Certificate as I could no longer afford my PII premium. I,m now driving taxis for a living. And by the way I hear the Co-op bank,s in a spot of bother so don,t count on seeing that money anytime soon. Now if you,d come to me even if I had disappeared with the money you,d have been covered.

Well David I wish I had now. And I never got to speak to that nice young lady who gave me the quote. I just sent her the deeds and I,ve heard nothing since. Not like that personal service you used to give. You were always in your office, evenings, week-ends, whenever I wanted to see you you were there.

Well, now I,ve got this taxi, want a lift anywhere?

No I,ve got my bus pass so I wont have to pay anything, the state pays. But will you be arounf after midnight when I want to get home from the pub?

Sorry, Mr. Smith, my insurance cover insists I stop at i9.00 p m too many drunks causing trouble. And I cant afford the additional premium. What about your bus pass.

Oh the driver will have finished at 6.00 p m