Intending to start this year feeling like I was actually steering the ship rather than being thrown about by events, I just had a look at my bank details online, to make sure I have some kind of idea how much or how little money is in my account.

And then I spotted what looked like an odd transaction – a direct debit against my account with the reference “NUD COLLECTIONS AC”.

Nude collections? I don’t remember having made any kind of payment like that… and then I realised it was actually an insurance payment to Norwich Union.

No wonder they’re changing their name