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Have your say on funding

I refer to Chris Cummings column last week on the Financial Ombudsman Service funding review.

All advisers should read the FOS plan and budget and make their views known. Too many procedures have been foisted on us because we failed to respond to consultation papers or otherwise promote our opinions.

Unfortunately, the matter of FOS funding is only part of the equation. While it remains able to operate outside the law and to adjudicate in a subjective manner, no adviser can remain confident about future or historic advice.

Alan Lakey


Highclere Financial Services,

Hemel Hempstead, Herts


Product matters: Home in on the range

Although this year has started strongly for the mortgage market, there has not been much in the way of new deals. One lender that has been improving its range is Skipton, which is offering new fixed rates. For residential borrow-ers, Skipton’s three and five- year fixed rates have been cut from 4.85 per cent to […]

A-day action

Standard Life head of pensions policy John Lawson says that with A-Day just weeks away, taking stock of pension plans now will reap rewards later. The rules are simple but making the transition will be complex, which is where advisers come in


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