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C&G ditches dual rate

Cheltenham & Gloucester has ditched its dual variable rate policy over fears that the Financial Ombudsman Service’s ruling against Halifax could cost it millions of pounds. C&G says it has made the move in order to buffer itself against the aftershocks of the ombudsman service’s decision that a Halifax borrower should have been allowed to pay its lowest variable rate. It says it may reverse its decision if other cases pending with the FOS do not follow the same pattern.


Pearl fined £100k and will pay £340k compensation

The life office and fund management arms of Pearl have been hit with a £100,000 fine by the FSA for failing to carry out customer orders on its share-exchange service Sharewise in a timely manner. Pearl Unit Trusts and Pearl Assurance have also been ordered to pay £345,854 in compensation to 1,617 customers and FSA […]

Compensation scheme finalised

The final rules for the Financial Services Compensation Scheme, due to come into effect on December 1, have been finalised. IFAs will have their own category, which will not include the cost of redress for the pension review. If an IFA firm goes into default, the rest of the IFAs will share the cost of […]

Leeds & Holbeck – 2 Year Fixed

Thursday, 13 September 2001.Fixed term: Two years.Fixed rate: 4.85 per cent.Minimum loan: £25,000.Maximum loan: Up to 90 per cent of valuation subject to a maximum of £150,000.Income multiples: 81 per cent and above of valuation 3.25 times principal income plus second or 2.5 times joint, 51-80 per cent 3.5 times principal income plus second or […]

Brian Duffin

Born: January 20, 1955, Enniskillen, Co Fermanagh. Lives: Edinburgh, with wife Joan and three sons. Education/qualifications: St Katherine&#39s College, Cambridge (BA Hons maths), member of Faculty of Actuaries. Career: 1976 joined Scottish Life as actuarial trainee, 1983 made investment manager, 1988 general manager (marketing), 1995 general manager (administration), 1996 director of Scottish Life International Holdings, […]

Rayner Spencer Mills: Why we rate the Artemis US Select Fund

Ken Rayner and Graham O¹Neill from RSM explain why they rate the fund, its investment process and how it can be used in a portfolio The Artemis US Select Fund became a RSM ‘rated’ fund earlier this year. In this video, Ken Rayner and Graham O’Neill explain the fund’s investment approach, why they rate it, […]


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