 A consumer in financial difficulty is unlikely to further question the policy and risk the loan being refused.Several high-profile companies have now been fined by the Financial Conduct Authority for the widespread mis-selling of Payment Protection Insurance.The Financial Conduct Authority (FCA) fined Clydesdale Bank Plc (Clydesdale) £20,678,300 for serious failings in its Payment Protection Insurance (PPI) complaint handling processes between May 2011 and July 2013.