Were my policies with Lloyds TSB mis-sold PPI? You had done a lot of to-ing and fro-ing over this, yet, given what you sent me, you had the answers at your fingertips all the time. The policies from the outset had been described as plans designed to pay out on death with no surrender value. You even mention "no surrender value" in your letter. Later, though, you seemed to forget this and said to me, as if this had come as a surprise, that the policies "were not paying anything." Payment protection insurance is designed to cover repayments on money borrowed if the policyholder becomes ill, loses a job or has an accident. Some policies were wrongly sold to people who didn't fit either the job or age criteria, for example, that the policies were designed to pay out for. Yours, though, were life assurance plans. You said you did not believe that these policies were sold to you in your best interest. Bear in mind, however, that had either you or your husband died during the 20-year span of the policies, a cash sum would have been paid. There is no record of any other plan that would be eligible for compensation. I am also assured that the plans you did have were not a condition of the mortgage. Because you had to go back and forth in your quest for an answer from the bank, Lloyds TSB offered you £150. However, when it rang with this offer you rejected the money. But when you and I spoke you admitted you could do with this goodwill gesture after all. I told Lloyds TSB about this decision reversal and it agreed to pay the £150. I understand a cheque has now been sent to you.