FSA fined the insurance broker Swinton Group Ltd £770,000 for serious failings in their advised sales of single premium payment protection insurance (PPI). Swinton has also agreed to contact over 350,000 customers who paid for the PPI and offer a full refund. Swinton accrued approximately £7.8 million from its PPI sales. Between December 2006 and March 2008 the FSA found that the firm’s PPI sales process was flawed.  The problems arose as a result of an “assumptive” selling technique in which PPI was automatically included in insurance quotes without first establishing that the customer had any real demand or need for the PPI cover.  This resulted in unacceptable levels of non-compliant sales.