complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 January to 30 June 2009

Size: px
Start display at page:

Download "complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 January to 30 June 2009"

Transcription

1 complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 January to 30 June 2009 number of new cases - by complaint category business name business group total number of new cases received banking and credit mortgages and home finance general insurance investments life & pensions and decumulation Abbey Life Assurance Company Limited No Group Abbey National plc Abbey Acromas Insurance Company Limited No Group AIB Group (UK) Plc No Group AIG UK Limited No Group Alliance & Leicester Plc Abbey Allianz Insurance Plc Allianz Cornhill Group American Express Services Europe Limited No Group Automobile Association Insurance Services Limited No Group Aviva Health UK Limited AVIVA Aviva Insurance UK Limited AVIVA Aviva Life & Pensions UK Limited AVIVA Aviva Life Services UK Limited AVIVA AXA Insurance UK Plc AXA AXA PPP Healthcare Limited AXA AXA Sun Life Plc AXA AXA Sun Life Services Plc AXA

2 Bank of Scotland plc Lloyds Barclays Bank Plc Barclays Barclays Stockbrokers Limited Barclays BISL Limited No Group Black Horse Limited Lloyds BMW Financial Services(GB) Limited No Group Bradford & Bingley Plc Bradford & Bingley BRIT Insurance Limited No Group Britannia Building Society Britannia BUPA Insurance Limited BUPA Canada Life Limited Canada Life Capital One Bank (Europe) plc Capital One Chelsea Building Society Chelsea Building Society Cheltenham & Gloucester plc Lloyds Churchill Insurance Company Limited Royal Bank Of Scotland CIS General Insurance Limited The Co-operative Insurance Citibank International plc Citibank CitiFinancial Europe Plc Citibank Clydesdale Bank Plc National Australia Group Clydesdale Financial Services Limited Barclays CompuCredit UK Limited No Group Co-operative Insurance Society Limited The Co-operative Countrywide Assured Plc No Group DAS Legal Expenses Insurance Company Limited No Group Direct Line Insurance Plc Royal Bank Of Scotland

3 Domestic & General Insurance Plc Domestic & General Insurance PLC Egg Banking Plc Citibank Equiniti Financial Services Limited No Group esure Insurance Limited Lloyds EUI Limited Admiral Group Europ Assistance Holdings Limited No Group Europ Assistance Insurance Limited No Group Firstplus Financial Group Plc Barclays Fortis Insurance Limited Fortis Insurance Limited Friends Provident Life and Pensions Limited Friends Provident GE Money Consumer Lending Limited General Electric GE Money Home Lending Limited General Electric GMAC-RFC Ltd No Group Great Lakes Reinsurance (UK) Plc No Group Groupama Insurance Company Limited Groupama Guardian Assurance Plc Aegon Group Halifax Insurance Ireland Ltd Lloyds Hastings Insurance Services Ltd No Group HFC Bank Limited HSBC Homeserve Membership Limited No Group HSBC Bank plc HSBC ING Direct N.V. No Group Inter Partner Assistance No Group Kensington Mortgage Company Limited No Group Legal & General Assurance Society Limited Legal & General

4 Legal & General Insurance Limited Legal & General Legal & General Partnership Services Limited Legal & General Lincoln Assurance Limited No Group Liverpool Victoria Friendly Society Limited Liverpool Victoria Group Liverpool Victoria Insurance Company Limited Liverpool Victoria Group Lloyds TSB Bank Plc Lloyds Lloyds TSB General Insurance Limited Lloyds Lloyds TSB Insurance Services Limited Lloyds Lloyds TSB Private Banking Ltd Lloyds Loans.co.uk Ltd Loans.co.uk London and Edinburgh Insurance Company Limited AVIVA London Life Limited Pearl Group Mandrake Associates Limited No Group Marks & Spencer Financial Services plc HSBC MBNA Europe Bank Limited MBNA MMA Insurance Plc No Group Mortgage Express Bradford & Bingley National House-Building Council No Group National Westminster Bank Plc Royal Bank Of Scotland Nationwide Building Society Nationwide Nemo Personal Finance Limited NEMO Northern Rock Plc Northern Rock PayPal Sarl & Cie, SCA No Group Pearl Assurance Public Limited Company Pearl Group Phoenix Life Limited Pearl Group

5 Pinnacle Insurance Plc Pinnacle Insurance PLC Preferred Mortgages Limited No Group Professional Travel Insurance Company Limited No Group Quinn Insurance Limited No Group RCI Financial Services Limited No Group Royal & Sun Alliance Insurance Plc Royal & Sun Alliance Sainsbury's Bank Plc Lloyds Santander Asset Management UK Limited Santander Asset Management UK Santander Cards UK Limited No Group Scottish Equitable Plc Aegon Group Scottish Mutual Assurance Limited Pearl Group Scottish Provident Limited Pearl Group Scottish Widows plc Lloyds Sesame Limited Sesame Shop Direct Finance Company Limited Shop Direct Financial Services Ltd Everyday Financial Solutions Ltd Everyday Financial Solutions Ltd Skipton Building Society Skipton Group Southern Pacific Mortgage Limited No Group St Andrew's Insurance plc Lloyds St. James's Place Wealth Management Plc St James Place Standard Life Assurance Limited Standard Life Sun Life Assurance Company of Canada (UK) Limited No Group Tesco Personal Finance PLC Tesco Personal Finance The Carphone Warehouse Ltd No Group

6 The Co-operative Bank Plc The Co-operative The Equitable Life Assurance Society No Group The Governor and Company of the Bank of Ireland Bank of Ireland The Mortgage Business Plc Lloyds The National Farmers' Union Mutual Insurance Society Limited National Farmers Union Mutual Society Limited The National Insurance & Guarantee Corporation Ltd Royal Bank Of Scotland The Prudential Assurance Company Limited Prudential PLC The Royal Bank of Scotland Plc Royal Bank Of Scotland The Royal London Mutual Insurance Society Limited Royal London Group The Society of Lloyd's No Group The Standard Life Assurance Company 2006 Standard Life UK Insurance Limited Royal Bank Of Scotland UK Underwriting Limited No Group Ulster Bank Ltd Royal Bank Of Scotland Unum Ltd Unum Limited Vanquis Bank Limited No Group Welcome Financial Services Limited Welcome West Bromwich Building Society West Bromwich Group Windsor Life Assurance Company Limited Windsor Winterthur Life UK Limited AXA Yorkshire Building Society Yorkshire Zurich Advice Network Limited Zurich Zurich Assurance Ltd Zurich Zurich Insurance Plc Zurich

7 The table above shows the number of new cases received by the ombudsman service in the six-month period from 1 January to 30 June from consumers dissatisfied with the financial business's response to their complaint. This number is likely to be affected by the size of the business involved. business name: the names listed alphabetically in this column are the official names by which businesses are regulated. business group: this column shows the name of any larger group that the individual business was part of at the end of the six-month period.

complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 January to 30 June 2010

complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 January to 30 June 2010 complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 January to 30 June 2010 number of new cases - by complaint category business name

More information

complaints data - showing individual financial businesses

complaints data - showing individual financial businesses complaints data - showing individual financial businesses showing the percentage resolved by the Financial Ombudsman Service in favour of consumers from 1 January to 30 June 2010 % resolved in favour of

More information

complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 January to 30 June 2012

complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 January to 30 June 2012 complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 January to 30 June 2012 number of new cases - by complaint category business name

More information

complaints data - showing individual financial businesses

complaints data - showing individual financial businesses complaints data - showing individual financial businesses showing the percentage resolved by the Financial Ombudsman Service in favour of consumers from 1 January to 30 June 2011 % resolved in favour of

More information

complaints data - showing individual financial businesses

complaints data - showing individual financial businesses complaints data - showing individual financial businesses showing the percentage resolved by the Financial Ombudsman Service in favour of consumers from 1 January to 30 June 2011 % resolved in favour of

More information

complaints data - showing individual financial businesses

complaints data - showing individual financial businesses complaints data - showing individual financial businesses showing the percentage resolved by the Financial Ombudsman Service in favour of consumers from 1 January to 30 June 2011 % resolved in favour of

More information

complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 Jan to 30 June 2013

complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 Jan to 30 June 2013 complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 Jan to 30 June 2013 number of new cases - by complaint category business name business

More information

complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 01 July to 31 Dec 2014

complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 01 July to 31 Dec 2014 complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 01 July to 31 Dec 2014 number of new cases - by complaint category business name business

More information

complaints data - showing individual financial businesses

complaints data - showing individual financial businesses complaints data - showing individual financial businesses showing the percentage resolved by the Financial Ombudsman Service in favour of consumers from 01 Jan to 30 Jun 2015 % resolved in favour of consumer

More information

complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 Jul to 31 Dec 2015

complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 Jul to 31 Dec 2015 complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 Jul to 31 Dec 2015 number of new cases - by complaint category business name business

More information

complaints data - showing individual financial businesses

complaints data - showing individual financial businesses complaints data - showing individual financial businesses showing the percentage resolved by the Financial Ombudsman Service in favour of consumers from 01 Jan to 30 Jun 2016 % resolved in favour of consumer

More information

complaints data - showing individual financial businesses

complaints data - showing individual financial businesses complaints data - showing individual financial businesses showing the percentage resolved by the Financial Ombudsman Service in favour of consumers from 1 Jul to 31 Dec 2016 % resolved in favour of consumer

More information

Fees Manual. Chapter 5. Financial Ombudsman Service Funding

Fees Manual. Chapter 5. Financial Ombudsman Service Funding Fees Manual Chapter Financial Ombudsman Service Funding Release 23 Jan 2018 www.handbook.fca.org.uk FEES /2 Case Fees Payable for 2017/18 Part 1 - Standard case fees In the: [ 0] unless it is a not-for-

More information

FEES MANUAL (FINANCIAL OMBUDSMAN SERVICE CASE FEES 2017/18) INSTRUMENT 2017

FEES MANUAL (FINANCIAL OMBUDSMAN SERVICE CASE FEES 2017/18) INSTRUMENT 2017 FEES MANUAL (FINANCIAL OMBUDSMAN SERVICE CASE FEES 2017/18) INSTRUMENT 2017 Powers exercised by the Financial Ombudsman Service A. The Financial Ombudsman Service Limited: (1) makes and amends the scheme

More information

CML Lenders' Handbook June 2010

CML Lenders' Handbook June 2010 *** It is important to note that whilst the written guidelines may indicate that personal searches are not accepted, exceptions may be made *** Lender 5.2.4 (Copies Enviro Reports) 5.2.5.1 (Personal Searches)

More information

FEES MANUAL (FINANCIAL OMBUDSMAN SERVICE CASE FEES 2015/16) INSTRUMENT 2015

FEES MANUAL (FINANCIAL OMBUDSMAN SERVICE CASE FEES 2015/16) INSTRUMENT 2015 FEES MANUAL (FINANCIAL OMBUDSMAN SERVICE CASE FEES 2015/16) INSTRUMENT 2015 Powers exercised by the Financial Ombudsman Service A. The Financial Ombudsman Service Limited makes this instrument amending:

More information

Living in a 1% World. Fred Goodwin Group Chief Executive

Living in a 1% World. Fred Goodwin Group Chief Executive Living in a 1% World Fred Goodwin Group Chief Executive Living in a 1% World Slide 2 1% World Stakeholder pensions Sandler regulated products Living in a 1% World Slide 3 Implications for RBS Lower margins

More information

Page 1 of 11 VOLUNTEER DRIVING THE MOTOR INSURANCE COMMITMENT

Page 1 of 11 VOLUNTEER DRIVING THE MOTOR INSURANCE COMMITMENT VOLUNTEER DRIVING THE MOTOR INSURANCE COMMITMENT Motor insurers recognise that policyholders who want to help their communities through need clear and accurate information. We ve put together the list

More information

2017 Banking and Credit Card Survey

2017 Banking and Credit Card Survey 2017 Banking and Credit Card Survey About Credit Reporting Agency Credit Reporting Agency was the UK s first internet based credit reference agency, aimed firmly at serving consumers, rather than business

More information

ENTERPRISE FINANCE GUARANTEE APPLICATION PROCESS AND LIST OF LENDERS

ENTERPRISE FINANCE GUARANTEE APPLICATION PROCESS AND LIST OF LENDERS ENTERPRISE FINANCE GUARANTEE APPLICATION PROCESS AND LIST OF LENDERS December 2017 Contents Contents... 1 How does a Business apply for an EFG-backed facility?... 3 Step One Evaluation of Borrowing Proposal

More information

SHEFFIELD TEACHING HOSPITALS NHS FOUNDATION TRUST. EXECUTIVE SUMMARY REPORT TO THE BOARD OF DIRECTORS MEETING HELD ON 18 th DECEMBER 2013

SHEFFIELD TEACHING HOSPITALS NHS FOUNDATION TRUST. EXECUTIVE SUMMARY REPORT TO THE BOARD OF DIRECTORS MEETING HELD ON 18 th DECEMBER 2013 SHEFFIELD TEACHING HOSPITALS NHS FOUNDATION TRUST M EXECUTIVE SUMMARY REPORT TO THE BOARD OF DIRECTORS MEETING HELD ON 18 th DECEMBER 2013 Subject Lead Author Status 1 Treasury Management Policy Neil Priestley

More information

Name Changes, Mergers, Takeovers Etc.

Name Changes, Mergers, Takeovers Etc. Name Changes, Mergers, Takeovers Etc. (Listed by alphabetical order) OLD NAME AA Mutual Insurance Co AA Mutual Insurance AA Life AETNA Life of Australia & NZ AGH Insurance AIG Life American International

More information

Employment Relations in Financial Services

Employment Relations in Financial Services Employment Relations in Financial Services Gregor Gall Employment Relations in Financial Services An Exploration of the Employee Experience After the Financial Crash Gregor Gall University of Bradford

More information

Lost track of your account?

Lost track of your account? Lost track of your account? If you have lost track of an old bank, building society or NS&I account, don t worry. mylostaccount.org.uk can help reunite you with your money, completely FREE. If you think

More information

Rule Ref. Firm Name FSA Reg. No. Start date Expiry date Waiver Type

Rule Ref. Firm Name FSA Reg. No. Start date Expiry date Waiver Type The FCA Register is at http://www.fsa.gov.uk/register/home.do Rule Ref. Firm Name FSA Reg. No. Start date Expiry date Waiver Type ICOBS 6.1.12 (A) Bee Diseases Insurance Limited 202011 09/03/2018 08/03/2023

More information

July Monthly Money Savers Everyday personal financial information you may need.

July Monthly Money Savers Everyday personal financial information you may need. July Monthly Money Savers Everyday personal financial information you may need. The following information is for your general use as a guide to some of the leading products in the market place this month.

More information

SUBMISSION FROM LLOYDS BANKING GROUP

SUBMISSION FROM LLOYDS BANKING GROUP SUBMISSION FROM LLOYDS BANKING GROUP Introduction 1. Lloyds Banking Group ( LBG ) is one of Scotland s largest private sector employers and a major contributor to the Scottish economy. Our registered office

More information

Please note that this Commitment only applies to cars used for personal use that are insured under a private or personal use car insurance policy.

Please note that this Commitment only applies to cars used for personal use that are insured under a private or personal use car insurance policy. WINTER TYRES THE MOTOR INSURANCE COMMITMENT Motor insurers recognise that some motorists may wish to fit winter tyres to their car during cold weather. Motor insurers recognise that, whilst no substitute

More information

Interest Rate Hedging Products

Interest Rate Hedging Products Financial Services Authority Interest Rate Hedging Products Pilot Findings March 2013 Interest Rate Hedging Products Pilot Findings Contents 1. Executive Summary 3 2. Background 5 3. Findings from the

More information

Lost track of your account?

Lost track of your account? Lost track of your account? Help is at hand. mylostaccount.org.uk is a free online service that helps you trace lost bank accounts. This leaflet tells you all about mylostaccount.org.uk. If you don t have

More information

INVOICE FINANCE AND ASSET BASED LENDING QUARTERLY STATISTICS TO DECEMBER 2017

INVOICE FINANCE AND ASSET BASED LENDING QUARTERLY STATISTICS TO DECEMBER 2017 INVOICE FINANCE AND ASSET BASED LENDING QUARTERLY STATISTICS TO DECEMBER 217 From 1 July 217 The Asset Based Finance Association (ABFA) has been integrated into a new trade association, UK Finance. UK

More information

INVOICE FINANCE AND ASSET BASED LENDING QUARTERLY STATISTICS TO SEPTEMBER 2017

INVOICE FINANCE AND ASSET BASED LENDING QUARTERLY STATISTICS TO SEPTEMBER 2017 INVOICE FINANCE AND ASSET BASED LENDING QUARTERLY STATISTICS TO SEPTEMBER 217 From 1 July 217 The Asset Based Finance Association (ABFA) has been integrated into a new trade association, UK Finance. UK

More information

INTRODUCTION TO THE LINK SCHEME

INTRODUCTION TO THE LINK SCHEME INTRODUCTION TO THE LINK SCHEME 2018 The LINK Scheme is a network which connects the UK s cash machines and provides consumers with universal access to their cash. Link Scheme Holdings Ltd "LINK" is the

More information

Part A - CONTRIBUTIONS. UT Arlington ALL RATES. Enter Salary and Contribution Data: >>> ROUND to nearest dollar -- NO CENTS <<<

Part A - CONTRIBUTIONS. UT Arlington ALL RATES. Enter Salary and Contribution Data: >>> ROUND to nearest dollar -- NO CENTS <<< All Rates Pg 1 This report covers the period 9/01/06 through 08/31/07. 2. ALL RATES 3. Enter Salary and Contribution Data: >>> ROUND to nearest dollar -- NO CENTS

More information

ASSET BASED FINANCE ASSOCIATION QUARTERLY STATISTICS TO SEPTEMBER 2016

ASSET BASED FINANCE ASSOCIATION QUARTERLY STATISTICS TO SEPTEMBER 2016 ASSET BASED FINANCE ASSOCIATION QUARTERLY STATISTICS TO SEPTEMBER 216 Asset Based Finance Association SEPTEMBER 216 CONTENTS Page 1. List of contributors 1 2.1. Clients sales 2 2.2. Balances at the period

More information

Investor & Analyst Seminar on the UK General Insurance Business 20 May 2003

Investor & Analyst Seminar on the UK General Insurance Business 20 May 2003 Investor & Analyst Seminar on the UK General Insurance Business 20 May 2003 Disclaimer This presentation may contain certain forward-looking statements with respect to certain of Aviva s plans and its

More information

Equity pairs: a trading strategy. 1 st January 2009 Anthony Grech Research Analyst IG Index

Equity pairs: a trading strategy. 1 st January 2009 Anthony Grech Research Analyst IG Index Equity pairs: a trading strategy 1 st January 2009 Anthony Grech Research Analyst IG Index Equity pairs: a trading strategy 01 Equity pairs: a trading strategy Evaluating pairs trading; how to generate

More information

CANADIAN INTER-COMPANY ARBITRATION AGREEMENT

CANADIAN INTER-COMPANY ARBITRATION AGREEMENT A ACE INA Insurance Aetna Casualty & Surety Co. of Canada (Travelers Insurance Company of Canada as of May 1, 2012) Aegon Insurance Company (U.K.) Limited Affiliated FM Insurance Company Alberta Motor

More information

BUILDING SOCIETIES. Information The Case for Building Societies ASSOCIATION. The Role of Building Societies

BUILDING SOCIETIES. Information The Case for Building Societies ASSOCIATION. The Role of Building Societies BUILDING SOCIETIES ASSOCIATION May 2000 (some data updated November 2001) Information The Case for Building Societies Over the last few years there has been an intense debate about the future of building

More information

ASSET BASED FINANCE ASSOCIATION QUARTERLY STATISTICS TO JUNE 2016

ASSET BASED FINANCE ASSOCIATION QUARTERLY STATISTICS TO JUNE 2016 ASSET BASED FINANCE ASSOCIATION QUARTERLY STATISTICS TO JUNE 216 Asset Based Finance Association JUNE 216 CONTENTS Page 1. List of contributors 1 2.1. Clients sales 2 2.2. Balances at the period end 3

More information

foreword 2 about us /2017 our year so far 5 2 our plans for 2017/ our proposed budget for 2017/

foreword 2 about us /2017 our year so far 5 2 our plans for 2017/ our proposed budget for 2017/ 0 contents foreword 2 about us 4 1 2016/2017 our year so far 5 2 our plans for 2017/2018 12 3 our proposed budget for 2017/2018 25 annexes A historic incoming case volumes 31 B our projections for new

More information

Client Update Solvency II: What You Need to Know as Effectiveness Nears

Client Update Solvency II: What You Need to Know as Effectiveness Nears 1 Client Update Solvency II: What You Need to Know as Effectiveness Nears NEW YORK Alexander R. Cochran arcochran@debevoise.com Eric R. Dinallo edinallo@debevoise.com Ethan T. James etjames@debevoise.com

More information

Research findings of the survey into THE UK COMMERCIAL PROPERTY LENDING MARKET De Montfort University Nicole Lux

Research findings of the survey into THE UK COMMERCIAL PROPERTY LENDING MARKET De Montfort University Nicole Lux Research findings of the survey into THE UK COMMERCIAL PROPERTY LENDING MARKET 2016 De Montfort University Nicole Lux Trends in value of outstanding debt Loan originations Structure of outstanding loan

More information

Section 3: Statistical Appendix

Section 3: Statistical Appendix Section 3: Statistical Appendix Page Economic and Monetary Union (EMU) and Money and Banking Statistics 3 List of Reporting Institutions 5 PART 1 Table SECTION A: MAIN MONETARY INDICATORS A1 Official External

More information

Section 3: Statistical Appendix

Section 3: Statistical Appendix Section 3: Statistical Appendix Page Money and Banking Statistics 3 List of Reporting Institutions 5 PART 1 Table SECTION A: MAIN MONETARY INDICATORS A1 Official External Reserves 11 A2.1 Domestic Credit

More information

United Kingdom Research conducted by Comissioned by

United Kingdom Research conducted by Comissioned by Research conducted by Comissioned by Oscar Berglund CEO of Trustly This survey shows that even if European consumer s online-banking habits differs between the countries, they share a high trust in their

More information

Critical Illness Experience Trends

Critical Illness Experience Trends Critical Illness Experience Trends Dave Grimshaw Chairman, CMI Critical Illness Committee and Neil Robjohns Chairman, IoA Critical Illness Trends Working Party CMI Critical Illness The first quadrennium

More information

Online investments Fund information document

Online investments Fund information document Online investments Fund information document Managed Growth Fund 4 Fund information document Managed Growth Fund 4 Why is it important to read this document? This is a non-advised service which means we

More information

RESTATEMENT OF 2013 REPORTED SEGMENTAL FINANCIAL INFORMATION

RESTATEMENT OF 2013 REPORTED SEGMENTAL FINANCIAL INFORMATION 3 July 2014 RESTATEMENT OF 2013 REPORTED SEGMENTAL FINANCIAL INFORMATION Lloyds Banking Group plc (the Group) has today published restated segmental profit and loss and key balance sheet information for

More information

Response to: Publishing Ombudsman decisions Transparency and the Financial Ombudsman Service

Response to: Publishing Ombudsman decisions Transparency and the Financial Ombudsman Service Eiko Heffer Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR 9 December 2011 Dear Eiko, Response to: Publishing Ombudsman decisions Transparency and the Financial Ombudsman Service

More information

The UK Run-Off Survey Life Assurance October 2006

The UK Run-Off Survey Life Assurance October 2006 INSURANCE SOLUTIONS The UK Run-Off Survey Life Assurance October 2006 ADVISORY The UK Run-Off Survey Life Assurance Contents Foreword 1 1 Executive Summary 2 1.1 Overview 2 1.2 Findings 2 2 Current size

More information

December Monthly Money Savers

December Monthly Money Savers December Monthly Money Savers Everyday personal financial information you may need. The following information is for your general use as a guide to some of the leading products in the market place this

More information

Market Consistent Embedded Value and Implications for Pricing

Market Consistent Embedded Value and Implications for Pricing Market Consistent Embedded Value and Implications for Pricing 2007 SEAC Annual Meeting Douglas Doll November 15, 2007 2007 Towers Perrin RECENT MARKET TRENDS Recent EEV developments Life insurance companies

More information

Banks approved eight in 10 small business loan and overdraft applications and nine in 10 loan and overdraft applications from medium sized business

Banks approved eight in 10 small business loan and overdraft applications and nine in 10 loan and overdraft applications from medium sized business Release Date : 28 February 218 UK Finance: SME Finance Update - Quarter 4, 217 Q4, 217: SME MANUFACTURERS BORROW MORE WHILE SERVICE BUSINESSES RETRENCH Key highlights: The quarterly value of new loans

More information

Print Name: Signature: Date:

Print Name: Signature: Date: McCarney Financial Services Ltd. Terms of Business Effective 22 nd May 2018. These terms of business set out the general terms under which our firm will provide Financial Services to you. It details the

More information

Debt Facts and Figures - Compiled 4 th May 2006

Debt Facts and Figures - Compiled 4 th May 2006 Debt Facts and Figures - Compiled 4 th May 2006 Total UK personal debt Total mortgage borrowing in the UK will pass the 1 trillion ( 1,000 billion) mark early this month, according to the Council of Mortgage

More information

Reclaim Fund Ltd. Operating Review. 72 week period ended 31 December 2011

Reclaim Fund Ltd. Operating Review. 72 week period ended 31 December 2011 Reclaim Fund Ltd Operating Review 72 week period ended 31 December 2011 Contents Page Chairman s review 1 Corporate governance report 4 Independent auditor s statement 7 Summary income statement 8 Summary

More information

Mortgage Saver Review

Mortgage Saver Review Mortgage Saver Review May 2017 Introduction from Ishaan Malhi, CEO and founder of online mortgage broker Trussle Welcome to the inaugural Mortgage Saver Review. We ve created this report to shine a light

More information

Understanding Bank Lending Referrals to Finance Platforms

Understanding Bank Lending Referrals to Finance Platforms Understanding Bank Lending Referrals to Finance Platforms This fact sheet provides information for businesses about new regulations that have the potential to help you raise finance. How do these Regulations

More information

Updated January The Guardian Life Insurance Company of America, New York, NY FOR INTERNAL USE ONLY NOT FOR DISTRIBUTION TO THE PUBLIC

Updated January The Guardian Life Insurance Company of America, New York, NY FOR INTERNAL USE ONLY NOT FOR DISTRIBUTION TO THE PUBLIC Updated January 2009 The Guardian Life Insurance Company of America, New York, NY Program Overview Maria Umbach Maria Umbach Vice President The Guardian Life Insurance Company of America TA-1 Program Details

More information

Survey Report on. Actuarial Guidance Note 7: Dynamic Solvency Testing. Actuarial Society of Hong Kong Life Insurance Committee

Survey Report on. Actuarial Guidance Note 7: Dynamic Solvency Testing. Actuarial Society of Hong Kong Life Insurance Committee Survey Report on Actuarial Guidance Note 7: Dynamic Solvency Testing 2005 Actuarial Society of Hong Kong Life Insurance Committee 1. INTRODUCTION 1.1 The Actuarial Guidance Note 7 ( AGN7 ) on Dynamic Solvency

More information

Financial services: Challenges and prospects

Financial services: Challenges and prospects Financial services: Challenges and prospects Case study: Building societies in the UK Business model Performance of building societies Building societies and the financial crisis Demutualisation of building

More information

The Credit Research Initiative (CRI) National University of Singapore

The Credit Research Initiative (CRI) National University of Singapore 2018 The Credit Research Initiative (CRI) National University of Singapore First version: February 23, 2017, this version: June 25, 2018 On January 16th, 2018, the Credit Research Initiative (CRI) re-publishes

More information

Guide to With Profits Bonds

Guide to With Profits Bonds Guide to With Profits Bonds t r u s t e d c l e a r i n f o r m e d Guide to With Profits Bonds Introducing With Profits Bonds Back in the 1990s, With Profits Bonds were a hugely popular way of investing

More information

Debt Facts and Figures - Compiled 1 st August 2006

Debt Facts and Figures - Compiled 1 st August 2006 Total UK personal debt Debt Facts and Figures - Compiled 1 st August 2006 At the end of June 2006 the total UK personal debt was 1,228bn. The growth rate remains strong at 10.3% for the previous 12 months

More information

Invesco Funds Series 6 Annual Report (Audited) For the year ended 30 November 2017

Invesco Funds Series 6 Annual Report (Audited) For the year ended 30 November 2017 Invesco Funds Series 6 Annual Report (Audited) For the year ended 30 November 2017 Invesco Sterling Bond Fund 01 Investment Policy and Description of Series 02 Investment Adviser s Report on behalf of

More information

Insurance Accounting mind the UK GAAP. ILAG is a trade body representing members from the Life Assurance and Wealth Management Industries.

Insurance Accounting mind the UK GAAP. ILAG is a trade body representing members from the Life Assurance and Wealth Management Industries. ILAG Investment & Life Assurance Group The Practitioner Voice Accounting Standards Board 5th floor, Aldwych House 71-91 Aldwych London WC2B 4HN 30 April 2012 Dear Sirs, Insurance Accounting mind the UK

More information

MARSH MARKET IDS FOR SELECTED INSURERS

MARSH MARKET IDS FOR SELECTED INSURERS 2017 MARSH MARKET IDS FOR SELECTED INSURERS AAI Limited 3559 Australia SUNCORP METWAY GROUP D615 ACE American Insurance Company 0437 United States CHUBB LIMITED 3093 ACE European Group Ltd B002 United

More information

VERBATIM DISCRETIONARY SERVICE

VERBATIM DISCRETIONARY SERVICE FOR INTERMEDIARY USE ONLY, SHOULD NOT BE DISTRIBUTED TO CLIENTS VERBATIM Contents Our Discretionary Service Why choose the Verbatim Discretionary Service? How does it work? The Model Portfolio Managers

More information

Competition and choice in retail banking

Competition and choice in retail banking House of Commons Treasury Committee Competition and choice in retail banking Ninth Report of Session 2010 11 Volume I Volume I: Report, together with formal minutes Volume II: Oral and written evidence

More information

Analysis of life insurers first set of Solvency and Financial Condition Reports

Analysis of life insurers first set of Solvency and Financial Condition Reports Analysis of life insurers first set of Solvency and Financial Condition Reports January 2018 Stuart Reynolds, FIA Eoin O Byrne Neil Christy Table of Contents INTRODUCTION... 2 EUROPEAN MARKET COVERAGE...

More information

Direction. On a solo basis: Lloyds TSB Bank plc Lloyds TSB Scotland plc Scottish Widows Bank plc Bank of Scotland plc (the "principal firm(s)")

Direction. On a solo basis: Lloyds TSB Bank plc Lloyds TSB Scotland plc Scottish Widows Bank plc Bank of Scotland plc (the principal firm(s)) Direction To: On a solo basis: Lloyds TSB Bank plc Lloyds TSB Scotland plc Scottish Widows Bank plc Bank of Scotland plc (the "principal firm(s)") On a consolidated basis: Lloyds Banking Group plc Lloyds

More information

The Property Professionals INDUSTRIAL AND COMMERCIAL PROPERTY SPECIALISTS

The Property Professionals INDUSTRIAL AND COMMERCIAL PROPERTY SPECIALISTS The Property Professionals INDUSTRIAL AND COMMERCIAL PROPERTY SPECIALISTS Established in 1965, Bulleys has built an enviable reputation as local specialists in the field of industrial and commercial property

More information

The Right to Underwrite. November 2012

The Right to Underwrite. November 2012 The Right to Underwrite November 2012 Full Members: Aegon, Allianz, Aviva, AXA, Achmea, Ageas, Generali, Groupama, Hannover Re, ING, Munich Re, Prudential, Swiss Re, Zurich Financial Services Associate

More information

157% Prudential International. Cover for Solvency Capital Requirement (SCR):

157% Prudential International. Cover for Solvency Capital Requirement (SCR): Prudential International Prudential International benefits from the financial and investment strength provided by the Prudential Group and provides financial solutions to customers who want to combine

More information

slaughter and may Supporting and safeguarding

slaughter and may Supporting and safeguarding slaughter and may Supporting and safeguarding October 2009 The UK government s efforts to stabilise the financial system and increase confidence have been many and varied. Matthew Tobin and Guy O Keefe

More information

COUNCIL RATIFICATION REQUIRED

COUNCIL RATIFICATION REQUIRED HEALTH PROFESSIONS COUNCIL FINANCE AND RESOURCES COMMITTEE MINUTES OF THE MEETING HELD ON THURSDAY 27 TH JUNE 2002 COUNCIL RATIFICATION REQUIRED BUDGET 2002/3 6.4 Council to approve the Budget for the

More information

ERM: Insights for Insurers Conference

ERM: Insights for Insurers Conference ERM: Insights for Insurers Conference Patrick Brady Biographical details of speakers/panellists Patrick Brady was appointed Director of Policy and Risk at the Central Bank of Ireland in March 2010. The

More information

NHS Pensions Online Guide

NHS Pensions Online Guide NHS Pensions Online Guide 27. AW8 27.AW8 POL-20170920-(V7) 1 Contents Important - Notes to remember before submitting form AW8... 3 Completion of the electronic AW8... 7 Part 1 Payable date and reason

More information

ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS.

ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS. ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS. Why is it important to read this document? This document explains the funds available for you to invest in through our Investment ISA, which is a Stocks

More information

Handelsbanken. Pär Boman, CEO. Merrill Lynch Banking & Insurance CEO Conference 2009 September 30, 2009

Handelsbanken. Pär Boman, CEO. Merrill Lynch Banking & Insurance CEO Conference 2009 September 30, 2009 Handelsbanken Pär Boman, CEO Merrill Lynch Banking & Insurance CEO Conference 2009 September 30, 2009 Handelsbanken a decentralised universal bank Handelsbanken s share was first listed in 1873 the oldest

More information

The Over 50s Rip Off! A reprise looking at the market for annuities post 6 April Matt Logan, Aviva Tim Bateman, Mazars LLP

The Over 50s Rip Off! A reprise looking at the market for annuities post 6 April Matt Logan, Aviva Tim Bateman, Mazars LLP The Over 50s Rip Off! A reprise looking at the market for annuities post 6 April 2015 Matt Logan, Aviva Tim Bateman, Mazars LLP 23 March 2016 How have the insurance industry and its customers changed following

More information

The New Insurance Supervisory Landscape: Implications for Insurance & Pensions

The New Insurance Supervisory Landscape: Implications for Insurance & Pensions The New Insurance Supervisory Landscape: Implications for Insurance & Pensions Peter A. Fisher, Tapestry Networks Pension Research Council Conference, Spring 2015 April 30, 2015 The New Insurance Supervisory

More information

Bancassurance Models Around the World

Bancassurance Models Around the World Bancassurance Models Global Bancassurance Strategies Around the World Presentation at the 8 th Annual Bancassurance Conference Vienna, October 3 rd 4 th 2013 Finaccord Ltd., 2013 Web: www.finaccord.com.

More information

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 20-F (Mark One) [ ] REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR [X] ANNUAL REPORT PURSUANT

More information

Our fund range and investments

Our fund range and investments ONLINE INVESTMENTS Online investments Our fund range and investments Why is it important to read this document? This document explains the funds available for you to invest in through our Investment ISA,

More information

Comparative Tables Final Report

Comparative Tables Final Report Comparative Tables 2011 2012 Final Report Introduction What are the Comparative Tables? The Comparative Tables present disputes statistics about financial services providers (FSPs) that are members of

More information

Will Mortgage Tech Power 2018?

Will Mortgage Tech Power 2018? Will Mortgage Tech Power 2018? Mortgage Efficiency Survey 2017 www.iress.com September 2017 1 Will Mortgage Tech Power 2018? Mortgage Efficiency Survey 2017 Contents Findings at a glance 3 Buyer types

More information

GBP Deposit Rates. Information correct as at 12/02/2018

GBP Deposit Rates. Information correct as at 12/02/2018 GBP Deposit Rates Information correct as at 12/02/2018 The rates shown for various account types are as advised to Canada Life International Assurance (Ireland) DAC Limited ('CLIAI') by the relevant institutions

More information

Pension Plan Provider Comparison

Pension Plan Provider Comparison Pension Plan Provider Comparison CLIENT NAME: Beeb Panorama CLIENT Ref: ADVISER NAME: Rob Simpson REPORT PRINT DATE: 05/10/2010 CALCULATION DATE: 05/10/2010 Page 1 This report has been based on the following

More information

A simple way to pay towards funeral costs in advance

A simple way to pay towards funeral costs in advance Funeral Planning New prices save up to 286 * A simple way to pay towards funeral costs in advance *Saving of 286 based on the 2016 Diamond Plan price, was 4,285 and now 3,999. Skipton Building Society

More information

True External Term Exchange Program Program Information Guide

True External Term Exchange Program Program Information Guide True External Term Exchange Program Program Information Guide For Producer And Internal Use Only - Not For The General Public. INDIVIDUAL PRODUCTS DISTRIBUTION MARKETING PROGRAM DEVELOPMENT & ANALYTICS

More information

Terms Of Business - Personal Financial Services

Terms Of Business - Personal Financial Services Terms Of Business - Personal Financial Services Trust is the foundation stone of all of our client relationships. At the initial outset we want our clients to know, we will always act in a professional

More information

As part of its convergencerelated commitments, EIOPA updates on an ongoing basis, its databases in relation to insurance groups supervision.

As part of its convergencerelated commitments, EIOPA updates on an ongoing basis, its databases in relation to insurance groups supervision. EIOPABoS12/018 2February 2012 EIOPA list of groups for which a College of supervisors is in place 1 including relevant groups where the Swiss Financial Market Supervisory Authority (FINMA) participates

More information

Contents. Comparative Tables Final Report. Section 1 Comparative Product Tables. Section 2 Explanatory Notes

Contents. Comparative Tables Final Report. Section 1 Comparative Product Tables. Section 2 Explanatory Notes Comparative Tables 2015-16 Final Report Contents Section 1 Comparative Product Tables Section 1 contains the Comparative Tables for 2016. There are 18 tables published for the reporting period 1 July 2015

More information

A simple way to pay towards funeral costs in advance

A simple way to pay towards funeral costs in advance FUNERAL PLANNING A simple way to pay towards funeral costs in advance Skipton Building Society is a member of the Building Societies Association. Authorised by the Prudential Regulation Authority and regulated

More information

They are the go-to firm for the scary big stuff and are totally trusted by our general counsel and the executive team.

They are the go-to firm for the scary big stuff and are totally trusted by our general counsel and the executive team. Insurance They are the go-to firm for the scary big stuff and are totally trusted by our general counsel and the executive team. Chambers UK, 2015 Contents 3 Our insurance practice 4 Our credentials 5

More information

ROYAL LONDON STERLING EXTRA YIELD BOND FUND

ROYAL LONDON STERLING EXTRA YIELD BOND FUND ASSET MANAGEMENT ROYAL LONDON STERLING EXTRA YIELD BOND FUND Quarterly Report 31 March 2018 For professional investors only, not for retail investors Contents CONTENTS ROYAL LONDON STERLING EXTRA YIELD

More information

Terms of Business. Yours Sincerely, Michael Deasy QFA LIAP (dip) Managing Director. Page 1 of 8

Terms of Business. Yours Sincerely, Michael Deasy QFA LIAP (dip) Managing Director. Page 1 of 8 Terms of Business Client Name: Date: Michael Deasy Financial Solutions Ltd T/A Deasy Financial, 29 Longwood, Dublin Road, Drogheda, Co. Louth is regulated by the Central Bank of Ireland Ref. No. C42023.

More information

Loan Application Form

Loan Application Form Loan Application Form Thank you for your interest in applying for a Refugee Access Loan RefuAid lends up to 10,000 to help resettled refugees pay for courses, training, exams or other costs associated

More information