Bank refunds could help reduce some of the pessimism that consumers in the UK are feeling at the moment.Lloyds TSB research shows that 83 per cent of people have a negative view of the housing market, while 91 per cent said their employment prospects were looking gloomy.Also, households saw their chances of adding to savings decrease as they struggled to cope with higher prices.Jatin Patel, director of current accounts for Lloyds TSB, stated: "There has been a prevailing sense of negativity for several months, and last month was no different with an overwhelming majority feeling negative about the country’s financial situation."He believes this pessimistic outlook is affecting people's behaviour and many will be using their savings to pay for items.People looking for a boost to their income should know banks paid out more £215 million in PPI refunds in the first six months of 2011, according to figures from the Financial Services Authority.Samantha ClarkeSamantha is a former banking assistant and has over ten years experience in retail banking.
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