Then there was the call from the bank manager. He's noticed that I have another mortgage going out. He was touting for business. I told him instead that he had apparently mis-sold me an insurance policy on my Newcastle house and that I felt aggrieved for having paid into a policy which would not have paid up had there been a claim. He is looking into it. A full refund would be a totally amazing result. I should probably try to get one, but I suspect that it's a bit extreme a solution.
We shall see.