Thanks for that insightful comment, Clubman. I fully accept that I should have been more aware, at the time, of what I was entitled to. But I think that if a legitimate offer is available, which I am entitled to, the onus should have been on the official to make me aware of this. This was borne out by the subsequent actions of the institution. I would like to think, possibly mistakenly, that there is a certain onus on financial institutions to give appropriate advice to customers/potential customers and not to rip them off.