"Sadly, 21 years on, the mis-selling is continuing: a notable recent example is the pushing of expensive and often useless payment protection insurance by banks. And, despite the protestations of Chris Cummings in Question of the Week, some IFAs admit that their peers still sell certain products purely because they pay higher commission. Commission is paid by the provider to the adviser - but don't be under any illusions: the money is coming out of your premiums, and can have an enormous effect on what you get when you cash in an investment, pension or policy."
From "Mis-selling scandals that won't go away" of Guardian.co.uk.