From Andy CowellWhile the thought of lenders having a Christmas sale (Mortgage Strategy Analysis November 28) is a great idea, Monty Burn has clearly started on the festive sherry too early if he is advocating following the Norwich Union route. Let’s face it, the carriage clocks were crap, as Gerald Ratner would say. And in most cases, so were the insurance deals offered along with them. The basic product has to be right in terms of price and costs. It has to save the customer money. If lenders want to cheer us up this Christmas they could start by reducing, or better still removing, their ever increasing arrangement fees and deeds release fees. Then perhaps TCF might stand for something other than ‘That Clock’s F****d’.