Money
All advice firms should have a ‘technology champion’
All advice firms should have a “technology champion”, Mint Wealth Management founder Andy Kirby has claimed.
Speaking at Money Marketing Interactive in Leeds yesterday (24 October), Kirby said that as tech advances, it is vital to have a “dedicated person who is across the subject”.
“With the challenges that most firms now have, many have a Consumer Duty champion, but I also think you need a technology champion within your business,” he said.
“I think that’s a good thing to look at. Somebody who can really get it, understand it, really get behind it and make sure it’s adopted.”
Speaking on the same panel, independent IFA Bradley Booth claimed one of the biggest challenges with technology is advisers not being motivated enough to adopt it.
Booth, from ARK Financial Planning, said: “Ten years ago, it was a massive effort to try and get yourself using the back-office system and logging everything in one place.
“You take it for granted now because it’s so easy to find everything you need.
“We need to take that kind of approach again – say ‘right, we can see the success we’ve had from properly doing technology 10 years ago’ and do it again.
“If we put the effort in again, we’ll get their reward again in five years.”
Martin McKenna, senior consultant at the Financial Technology Research Centre, said: “There’s an awful lot of people out there in the industry who are scared of changing.”
He referenced a survey FTRC conducted recently, which showed that 40% of people were happy to carry on as they are.
He said there was “nothing wrong with that”, but suggested “sometimes you have to break something to make it better, then make it stronger when it’s fixed again”.
“When you’re running a business that makes money and we’re happy, you don’t break it and say things will be better in the longer term,” he added.
“It might hurt the business, maybe even hurt the clients’ support service for little while, but the benefit is very much there in the longer term.”
The panel was asked if they understood why some advisers approaching retirement might be reluctant to put the effort in to invest in technology to get quality data.
Kirby said that “the better data you have, the better value you will get for your business if you want to exit”, as that’s what buyers are increasingly looking for.
Despite acknowledging the benefits of AI and technology, Booth said he “would not be able to sleep comfortably knowing AI has done part of his job for him”.
“I would never have confidence knowing it has not been thoroughly checked first,” he said.
“If I trust AI to deliver something in ten minutes that would take me a couple of hours normally, and then I go and give that advice to clients and three or four years down the line they say, ‘I was badly advised,’ that would massively ruin my relationship with AI.”
McKenna ended by telling the audience that “sometimes you just need to try AI and give it a go”.
“Part of the challenge with AI is getting your own mindsight right. Once you’ve done that you’ll get better results,” he concluded.
Money
Major update in car finance mis-selling scandal that could see drivers owed £1,000s
A HUGE update in the car finance mis-selling scandal has been issued.
The Financial Conduct Authority (FCA) has been carrying out an investigation into whether motorists were unknowingly overcharged on historical loans.
Those who bought a car, motorbike or van on finance before January 28, 2021, could be owed potentially thousands of pounds.
The FCA is in the process of finding out how many motorists have been affected and what compensation customers will receive.
Today, in an “unexpected” decision in one of the motor finance test cases, a court has sided with drivers against the banks and lenders.
The Court of Appeal ruled that a broker could not lawfully receive a commission from the lender without obtaining the customer’s fully informed consent to the payment.
The judgment said that in order for consent, the consumer would need to be told all material facts that might affect their decision, including the amount of the commission and how it was to be calculated.
The judges ruled that did not happen in any of these cases.
Three cases were merged earlier this year, the Hopcraft case is against merchant banking group Close Brothers, Wrench is against South African Firstrand Bank, and Johnson is against Firstrand Bank and Motonovo Finance.
The court revealed today that it has unanimously allowed all three appeals.
The repercussions of today’s judgment are expected to resonate throughout the motor finance sector.
The FCA is thought to be closely watching the development as it continues its investigation into the scandal.
“This ruling is a massive win for consumer justice,” said Sam Ward, Director at Sentinel Legal, a consumer rights law firm.
“For too long, lenders have taken advantage of consumers through complex, unfair finance deals. This decision finally puts power back into the hands of consumers, forcing banks to face the consequences of their actions.”
While Stephen Haddrill, director general of the FLA, which represents motor finance lenders said: “This is a significant and unexpected judgment, the implications of which stretch far beyond the motor finance sector, making it an issue that demands the immediate attention of the FCA.”
What is the FCA investigating and who is eligible for compensation?
What is being investigated?
The FCA announced in January that it would investigate allegations of “widespread misconduct” related to discretionary commission agreements (DCAs) on car loans.
When you buy a car on finance, you are effectively loaned the value of the car while you pay it off.
These loans have interest payments charged on top of them and are often organised on behalf of lenders by brokers – usually the finance arm of a dealership.
These brokers earn money in the form of commission – a percentage of the interest payments on the loan.
DCAs allowed brokers to, to a certain extent, increase the interest rate on a loan, which in turn increased the amount of commission they received.
The practice was banned by the FCA in 2021.
Who is eligible for compensation?
The FCA estimates that around 40% of car deals may have been affected before 2021.
There are two criteria you must meet to have a chance at receiving compensation.
First, you must be complaining in relation to a finance deal on a motor vehicle (including cars, vans, motorbikes and motorhomes) that was agreed before January 28 2021.
Second, you must have bought the vehicle through a mechanism like Personal Contract Purchase (PCP) or Hire Purchase (HP), which make up the majority of finance deals and mean you own the vehicle at the end of the agreement.
Drivers who leased a car through something like a Personal Contract Hire, where you give the car back at the end of the lease, are not eligible.
The FCA had intended to publish the outcome of its investigation in September.
However the publishing date has been pushed back to May 2025 and the date firms have to respond to customer complaints to December 4, 2025.
The FCA says it has had to push back the deadline due to it taking “longer than expected to get the data” it needed from implicated car finance firms.
Investigators have also been unable to complete their review because of a pending court case surrounding one of the complaints.
It’s worth nothing, the FCA’s decision to extend the deadline to December 4 next year is just when firms have to have respond to any complaints.
Customers can still complain to their providers before this point, and in some cases, there are time limits for doing so.
You can find more information about any time limits on the FCA website.
What is the Car Finance Discretionary Commission Scandal?
The Car Finance Discretionary Commission Scandal affects those who bought a car, motorbike or van on finance before January 28, 2021.
After this date, the city watchdog the FCA banned lenders from using “discretionary commission arrangements” (DCAs).
DCAs allowed brokers to increase interest rates on car finance loans, which in turn saw their commission bumped up.
It has been classed as an unfair practice because drivers weren’t told about the DCAs and therefore thought any deals were a fixed price that they couldn’t negotiate on.
Anyone who took out a vehicle on finance before January 28, 2021, could have been unfairly paying more than they should have.
The FCA has now launched an investigation to see how many people have been impacted.
MSE’s website has a useful checklist on who might be in line for money back.
It also has a list of firms that are unlikely to have handed out dodgy deals and therefore don’t owe customers money.
How to claim
Consumer website MoneySavingExpert.com has a page on its website with an email template you can use to complain to your firm.
Or, you can complain directly to them without using the template.
In the complaint, you should ask whether you were overcharged due to your broker getting paid a commission and ask the company to correct this if that is what happened.
If you’re not satisfied with the company’s response, you can take your complaint to the Financial Ombudsman Service (FOS) for free.
You have until July 29, 2026, or up to 15 months from the date of their final response letter, whichever is longest.
Be wary of using a claims management firm to help you claw back any overpaid car finance as you’ll have to pay it a portion of any successful claim.
The FCA has previously said the total cost of redressing motorists impacted by the car finance scandal could cost firms between £6billion and £16billion.
It means affected customers could get potentially £1,000s back in overpayments.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories
Money
Money Marketing Weekly Wrap-Up – 21 Oct to 25 Oct
Money Marketing’s Weekly Must-Reads: Top 10 Stories
This week’s top news highlights include potential “experimental” tax initiatives from the Chancellor in the upcoming Budget and the FCA’s recent cautionary interviews with 20 financial influencers promoting financial products.
Chancellor might create ‘experimental’ new tax for the Budget
Chancellor Rachel Reeves may introduce a new “experimental” tax in the 30 October Budget, targeting ultra-wealthy individuals.
James Jones-Tinsley of Barnett Waddingham noted that such a measure could help address the £22bn “black hole” in public finances, but warns of potential legal challenges.
With limited options due to Labour’s pledge not to raise national insurance, income or VAT taxes, Reeves faces pressure to find alternative revenue sources. Financial anxiety is rising, with many seeking advice on potential tax changes.
FCA interviews 20 finfluencers under caution for touting financial products
The Financial Conduct Authority (FCA) recently interviewed 20 “finfluencers” under caution for allegedly promoting financial products illegally.
Operating on social media, finfluencers often lack FCA authorisation, posing risks to young audiences who trust their advice. The FCA has also issued 38 alerts against finfluencer accounts with potentially unlawful content.
Regulators and industry leaders support the FCA’s crackdown, emphasising the need for caution when following social media-based financial advice and the risks of unregulated promotions targeting vulnerable individuals.
‘Unprecedented shift’ in fee models used by financial advice firms
A NextWealth report reveals an “unprecedented shift” in financial advice fee models, with 71% of firms still using asset-based fees, though this is declining.
Subscription fees have surged, used by 22% of firms, up from just 1% in 2023. Overall client costs rose to 1.89%, driven mainly by ongoing advice fees. Larger firms are less likely to charge initial fees and set higher thresholds for client portfolios.
While 92% of advisers feel confident delivering value, only 26% trust regulatory effectiveness.
Inheritance tax receipts rise steeply ahead of Budget: reaction
Inheritance tax (IHT) receipts rose to £4.3bn from April to September 2024, up £0.4bn year-on-year, amid stagnant nil-rate bands since 2009.
Rising IHT revenue has fuelled speculation ahead of the Autumn Budget, with experts predicting potential reforms, including changes to business and agricultural property reliefs and tightened gifting rules. Analysts note a broader IHT burden beyond the wealthy due to inflation.
Other tax receipts also increased, with income tax, capital gains tax and NICs reaching £226.8bn, up £6.2bn.
Söderberg & Partners takes minority stakes in four more IFA firms
Söderberg & Partners has acquired minority stakes in four UK IFA firms—George Square, Cheltenham IFA Ltd, Bluezone Capital Ltd and Alexander Bates Campbell (ABC)—as part of its UK expansion strategy.
The Swedish wealth manager aims to support these firms’ growth, which collectively manage over £920m in client assets. CEO Gustaf Rentzhog highlighted the UK advice market as a strategic focus.
Söderberg & Partners recently received a £225m investment from KKR and TA Associates to further its growth in the UK and Spain.
How to combat quiet quitting and plug the employee engagement gap
Employee engagement in the UK has hit a decade low, with just 10% of employees feeling engaged.
Gallup reports that “quiet quitting” affects six in ten workers, as more employees feel disconnected. Simon Evans, director at Clearcut Consulting – Engage First, suggests companies address disengagement through authentic leadership, structured engagement programmes and recognition. He argues that fostering purpose and connection can counteract quiet quitting and drive sustainable growth.
Engagement remains crucial for organisational success, boosting profitability by up to 21%.
Government urged to ‘keep up the momentum’ after pensions dashboard update
Industry experts have urged the UK government to maintain momentum on the Pensions Dashboard Programme following an update from pensions minister Emma Reynolds.
The MoneyHelper Pension Dashboard service will launch before commercial dashboards, but no public launch date is confirmed. Pension schemes must connect to the dashboard by October 2026, with earlier connections encouraged from April 2025.
Experts emphasise that multiple dashboards are essential for user engagement and effective tracking of pension savings, highlighting the initiative’s potential to transform pension awareness and accessibility.
Wealthtime partners with Wipro and GBST on platform upgrade
Wealthtime has partnered with Wipro and GBST to enhance its platform technology, merging the Wealthtime and Wealthtime Classic platforms into a unified brand.
The collaboration will use a co-delivery model to offer comprehensive platform services, transferring Wealthtime’s Operations and Technology functions to Wipro’s new UK centre of excellence. This upgrade aims to improve service standards through automation, benefiting advisers and investors alike.
The deal also extends Wealthtime’s 15-year partnership with GBST, facilitating rapid platform enhancements and future-proofing technology for clients.
Guardian sets out adviser strategy for 2025
Guardian has unveiled its adviser strategy for 2025, focusing on strengthening relationships with advisers and firms to ensure positive customer outcomes.
Executive chairman and interim CEO Peter Mann emphasised the shift from rapid growth to consolidation, aiming to maximise value from its distribution and product offerings amid current economic challenges. Guardian’s products, now available on major protection panels, are designed to provide certainty at the point of claim.
The strategy marks a new phase for the insurer, following the recent departures of CEO Katya MacLean and marketing director Jacqui Gillies.
Defaqto: Four big predictions ahead of the Budget
Ahead of the upcoming Budget, Defaqto analyst Richard Hulbert outlines four key government objectives: addressing a £22bn fiscal gap, reducing dependency on state support within the pension system, promoting financial self-reliance among citizens and encouraging investment in UK businesses.
Hulbert’s predictions include integrating side-car cash accounts into pension schemes, re-evaluating tax-free cash allowances, replacing pension tax relief with a flat rate top-up and simplifying ISAs to incentivise investment in the UK economy. These changes aim to enhance financial stability and support for individuals.
Money
Major building society to axe key service affecting 120,000 customers – are you one of them?
THOUSANDS of elderly customers at a major building society risk being left behind after it confirmed it is axing a key service.
In an email to customers, Nationwide said that its Loyalty Saver account holders will no longer be able to use a passbook to manage their savings account.
These savings accounts are reserved for customers who have used the bank for many years and often reward them with top interest rates.
Nationwide announced that it was axing passbooks in July but it had not yet confirmed the exact date it would do so until now.
Passbooks provide a vital lifeline to thousands of older customers who are unable to bank online or by mobile app.
The books are issued by a bank or building society and allow the account holder to keep a physical record of how much money they have paid in and taken out of their account.
They can also be useful if you want to limit impulse spending as there are a lot more steps to take with each transaction.
In spite of this, Nationwide has confirmed that they will be axed from February 6, 2025.
But as more banks move towards digital banking they have decided to stop offering passbooks.
Barclays and Santander both decided to scrap passbook savings accounts, which are no longer available to new customers.
Meanwhile, Nationwide has already stopped offering new passbook accounts to customers.
The building society said only 2% of its 16 million customers still use passbooks, which is equivalent to around 120,000 people.
Dennis Reed, a campaigner at Silver Voices, said: “Here is another example of a finance company telling older customers to get lost, we can’t be bothered with you.
“The local building society branch with a trusty passbook provides a good, friendly and safe banking service.
“We have no objection to digital banking, which has its advantages, but there should always be a face to face non-digital alternative available.”
What did Nationwide tell customers?
Nationwide said: “After February 6, 2025, if you had a passbook you won’t be able to use it anymore.
Why are banks making changes to fees and services?
The Sun’s consumer editor Lynsey Barber explains what’s going on.
Banks can make changes to the services and fees they offer at any time, and will usually tell customers directly when it affects them.
This could be the fee for a bank account, or the types of perks or services it offers, or even ditching a product altogether.
But there has recently been a flurry of changes at several banks and building societies, and that’s likely down to something known as the Consumer Duty.
The new rules came in last year and mean that financial institutions are obliged to follow certain rules that better protect customers.
Insiders say that the recent flurry of changes likely follow a review of what they offer consumers in light of this new duty.
These rules are fairly loose, and there’s no suggestion that any changes have been made because they are doing anything wrong. But there’s always room for improvement.The main aim is to act in good faith towards customers, avoid foreseeable harm and support customers to pursue their financial objectives.
In practice this means things like making sure that communications with customers, and terms and conditions, are clear and jargon-free. And that what a customer pays for a product or service is “reasonable” when compared to the benefits the product or service offers.
Another reason for changes may be that the business itself is going in a different direction. For example several supermarkets have sold off their banking arms to concentrate on their core business of selling groceries.
A long period of historically low interest rates has been good for business, but the financial landscape has changed as interest rates have gone up.
This means some products and services may no longer be cost effective or viable to offer from a business point of view.
There may sometimes be specific reasons given for a change. For example Nationwide has hiked fees on its FlexPlus account from £13 a month to £18, blaming rising insurance costs (the account offers policy perks).
What changes have come in recently?
Barclays has changed the way it calculates minimum credit card repayments and the APR on offer for some customers. It will no longer offer cashback via It’s Rewards account.
Metro Bank will no longer offer credit cards and has introduced a fee on all debit card transactions abroad.
Lloyds Banking Group, which runs Lloyds Bank, Halifax and Bank of Scotland shook up it’s overdraft fees, and axed fees for withdrawing money from cash machines abroad on its silver and platinum accounts.
“But you can still manage your account in a branch, if that’s what you like to do.”
It also told customers that their account details and the way they use their account will change.
For example, customers may be given a new sort code and account number.
It confirmed that the changes will not affect the customer’s interest rate.
Automatic payments, such as direct debits, which enter their savings account each month will not be impacted.
Can I still bank in branch?
Customers will still be able to manage their account at one of the bank’s branches.
Nationwide has pledged to keep branches open in every town and city where it currently has one until 2028.
Paper bank account statements can also be provided in store.
The bank has also launched a new savings wallet, which comes with its branch savings account.
Nationwide said: “If you like using your passbook and would prefer something similar to keep track of your savings, we may have another branch savings account that could be right for you.
“It comes with a savings wallet that has a pocket for mini statements and a card.”
For more information about the account visit your local branch.
You need to be a permanent UK resident to open one of these accounts.
Customers can also manage their account through internet banking or via the Nationwide banking app.
It is understood that the company will be taking on temporary staff to help with the transition from the old passbooks to the new savings wallets.
The news comes after Nationwide announced that it was axing passbooks in July.
At the time Nationwide said that it wants to “modernise” passbooks next year, with the process expected to take seven months.
A Nationwide spokesperson said: “We are modernising passbooks rather than removing them, but while they are changing, banking in branch isn’t.
“We are maintaining the benefits our passbook customers value most – face-to-face service and having a physical record of transactions.
“As the UK’s largest building society, we are investing in our systems so we can offer the products and services our customers expect from a modern mutual.”
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories
Money
Arthur J Gallagher & Co buys investment consulting firm
Global insurance brokerage Arthur J Gallagher & Co has acquired London-based investment consulting firm, Redington Ltd.
The terms of the transaction were not disclosed.
Redington provides investment, research and technology services to pension funds, wealth managers and institutional investor clients primarily in the UK.
Following the acquisition, Redington CEO Sylvia Pozezanac and her team will remain in their current location.
They will report to David Piltz, head of Gallagher’s UK employee benefits and HR consulting operations.
Patrick Gallagher Jr, chairman and CEO of Gallagher Insurance, said: “As a leader in the investment consulting space, Redington brings exceptional talent and represents a fantastic cultural fit.
“Their deep capabilities in modelling and investment market research will enhance our existing consulting services and help our clients achieve superior financial security outcomes.”
Arthur J Gallagher & Co is a global insurance brokerage, risk management and consulting services firm.
The US-based brokerage provides these services in approximately 130 countries around the world through its owned operations and a network of correspondent brokers and consultants.
The Redington acquisition is the latest it has made in the UK corporate advisory space. It recently acquired Buck UK, an employer solution business.
Money
Cheapest places for a pint of beer revealed including lovely town where you’ll pay just £2
BEER lovers who hanker for the days when a pint cost just £2 should head to Wrexham, a study found.
Famous for its football club, owned by Hollywood stars Ryan Reynolds and Rob McElhenney, it tops the table for budget bevvies.
It comes after official data released this month showed the average price for a pint of lager in the UK was £4.79 – a staggering 140% pricier than the same tipple in the Welsh city.
The last time British drinkers parted with an average of £2 for a pint of beer was in the year 2000, Office for National Statistics figures show.
Next best value spot for a pub crawl in 2024 is Bury, Greater Manchester, where a pint of beer is typically priced £2.75.
Nearby Bolton (£3.10), Blackpool, Lancs (£3.25) and Kilmarnock in Ayrshire, Scotland (£3.25) round off the big five savers for ale fans.
North of the Border beer hotspots Dunfermline and Glenrothes, where pub-goers can blow the froth off a cold one for just £3.40, Hull, East Yorks (£3.47), Northampton (£3.50) and Scottish town Ayr (£3.50) complete the top 10.
The data, collated by hospitality supply firm Alliance Online, covers draught lager, other keg beers, and traditional cask real ale.
Researchers found the cheapest pint in Wrexham at Wetherspoon watering hole The Elihu Yale, where a pint of Bud Light or Worthington’s Creamflow was £1.99, just 10 minutes’ walk from the Red Dragons’ STōK Racecourse stadium.
While landlady at The Long Pull, Lisa Lock, said: “Cost of living is a big one for the whole industry, but we manage to keep our prices as low as possible and the customers keep coming back.”
Elsewhere, Glyn’s Bar, where Wrexham supporters enjoy matchday bevvies, said it served pints for just £2.30 on Thursdays.
The report said: “The Welsh city of Wrexham is crowned the cheapest place in the UK for a beer.
“Famous for Wrexham AFC, headed up by Hollywood stars Ryan Reynolds and Rob McElhenney, their fans will be happy to know that they have access to bargain beer after a match.”
Alliance Online marketing manager Rachael Kiss added: “Our study shows that customers can still very much get a bargain beer if they look for one.”
You can read the full list below:
- Wrexham, Wales – £2.00
- Bury, England – £2.75
- Bolton, England – £3.10
- Blackpool, England – £3.25
- Kilmarnock, Scotland – £3.25
- Dunfermline, Scotland – £3.40
- Glenrothes, Scotland – £3.40
- Hull, England – £3.47
- Northampton, England – £3.50
- Ayr, Scotland – £3.50
Why have beer prices risen?
Prolonged periods of high inflation have led the price of a pint to rise over the past few years.
World issues such as Russia‘s invasion of Ukraine also mean the price of barley, which is a key ingredient in beer, has risen.
These factors, coupled with rising energy costs, have meant that many pubs and bars have had to raise the cost of pints to cover their own overheads.
This has damaged the UK hospitality sector with many businesses forced to close for good as punters can no longer able to afford a trip to their local.
How to save money buying alcohol
Alcohol can be pricey if you’re planning a party or hosting an event but there are ways to cut costs.
It’s always important to drink responsibly, here, Sun Savers Editor Lana Clements share some tips on getting booze for the best price.
Stocking up can mean big savings on drinks, especially if you want to buy wine or fizz.
The big supermarkets regularly offer discounts of 25% when you buy six or more bottles of wine. The promotions typically run in the lead up to occasions such as Bank Holidays, Christmas and Easter.
If you know you are going to need booze later in the year, it can be worth acting when you see offers.
Before buying your preferred drink make sure you shop around to find the best price – you can use a comparison site such as pricerunner.com or trolley.co.uk.
Don’t forget that loyalty cards can unlock better savings so make sure you factor that in too.
If you like your plonk, wine clubs can also be a good way to save money and try new varieties. You’ll usually have to pay a membership fee in return for cheaper price so work out if you will be buying enough to make the one off cost worthwhile.
Money
Podcast: Are people doing enough to protect themselves from scams?
In this Weekend Essay episode, Momodou Musa Touray explores the growing issue of scams. With more people falling victim to fraud every day, he shares personal stories and alarming statistics, illustrating the point that scams can ensnare even the savviest individuals.
As Scams Awareness Week comes to a close, it’s time to examine how prepared we really are. Are you doing enough to guard against these threats? Tune in to find out!
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