Suffering a loss or poor payout on an investment is not — on its own — an indication you have been the victim of mis-selling. It’s disappointing, but that is what happens sometimes when you put money in the stock market. So, just because Lloyds customers who were convinced by salesmen to put their money into complicated structured products have ended up with worse profits than they were led to expect, it doesn’t necessarily mean the bank has done anything wrong.What you have to go through is the checklist of the other warning signs of mis-selling. And in this respect, Lloyds seems to fare badly, as our investigation shows.Had customers been called out of the blue after receiving large sums of money in their accounts? Tick. Did staff get paid huge commissions for selling these investments? Tick. Were the customers elderly, concerned about losing money, given unrealistic investment predictions or made to lock up their money for years? Tick, tick, tick, tick.....Read more here