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Lloyds-TSB to introduce endowment time bar

Lloyds-TSB will introduce a time bar from February 2005 which will limit the timeframe in which mortgage endowment policyholders can make a mis-selling complaint. All relevant policyholders will be informed about the time bar when they receive details of the projected maturity values of their policies in line with Association of British Insurers requirements. Policyholders […]

OFT refers home credit market to Competition Commision

The Office of Fair Trading has referred the supply of home credit to the Competition Commission for further investigation.This follows the OFT’s analysis of a super-complaint submitted by the National Consumer Council, and further consultation with home credit lenders.Home credit is the provision of credit, typically small sum cash loans, the repayments for which are […]

Michael Bolton promoted to become managing director of BMS

Mortgage supremo Michael Bolton has been promoted to become managing director of BM Solutions.The former head of mortgages at BM Solutions will, on top of the role of MD of BMS, also have additional responsibility for Halifax intermediaries, commanding a sales force of circa 2,000.Bolton says: “I am delighted to be responsible for the best […]

NAEA predicts stable housing market for 2005

The National Association of Estate Agents is predicting a stable housing market in 2005, continuing the slowdown of the last few months of 2004.Peter Bolton King, chief executive of the NAEA, says: “Last year we forecast that prices would rise at a much steadier price and that is precisely what we have seen happening in […]

UK policy: Kate Moss and short-termism

“Nothing tastes as good as skinny feels,” said supermodel Kate Moss, who is not often credited for her insights into policy making. Perhaps she should be. In politics, as in matters of diet, the course of action that is the best over the long term is often not the most desirable course of action in the short term. Add the instant gratification of the democratic electoral cycle and, instead of good policy making, you sometimes get the equivalent to a midnight binge in front of the fridge.

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Investment risks

The value of an investment and any income from it can fall as well as rise and you may not get back the amount originally invested. Forecasts and past performance are not a guide to future performance. Some information and statistical data herein has been obtained from sources we believe to be reliable but in no way are warranted by us as to their accuracy or completeness. These are Neptune’s views and as such this document is deemed to be impartial research. We do not undertake to advise you of any change to our views.


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