by Colin Baines | Jun 2015 | Comments
The Cirencester Friendly Society specialises in the provision of Income Protection Plans. In May 2007 a Mr Parkin took out one of their plans and then in August made a claim on the basis that he was too ill to work. As is normal, the Society requested a Medical...
by Colin Baines | May 2015 | Comments
With the government loudly committed to getting rid of ‘morally repugnant’ tax avoidance schemes, it is worth looking at film partnerships which have been the target for a lot of the righteous indignation which has been flying around. Film partnership schemes were...
by Colin Baines | Apr 2015 | Comments
There was a time when, if a client was determined to follow a course of action with which his adviser disapproved, the client would simply be asked to sign an indemnity letter confirming that he was acting against his adviser’s advice and understood the implications....
by Colin Baines | Mar 2015 | Comments
A life settlement or ‘traded life policy investment’ (TLPI) is the sale of an existing life insurance policy to a third party for more than its cash surrender value but less than its net death benefit. Viatical settlements are similar but the person selling the policy...
by Colin Baines | Feb 2015 | Comments
Cyber attacks resulting from data breaches are on the increase. In this country, because of relatively weak reporting systems, we seldom hear about individual hacking cases. In the US where reporting requirements are much stronger, news reports of data breaches are...
by Colin Baines | Jan 2015 | Comments
None too soon, advice given in relation to mortgages is coming under the same sort of regulatory scrutiny as does investment advice. Royal Bank of Scotland was fined £14.5 after the FCA found that only 2 of the 164 sales it reviewed were considered to meet the overall...
