All the latest insight and commentary from James Daley and the Fairer Finance team.

Blog

What's a fair price for a funeral?

19 July 2016

What's a fair price for a funeral?

James Daley

Funeral directors are making good money at the expense of vulnerable customers. Surely, this is a market which is ripe for some formal regulation.

Blog

Customs charges on your birthday presents - a Royal rip-off

22 June 2016

Customs charges on your birthday presents - a Royal rip-off

James Daley

How Royal Mail and HMRC work together to ruin people's birthdays.

Blog

How to get a negative return on your savings

21 June 2016

How to get a negative return on your savings

James Daley

Do you know what will happen to your money when your fixed rate savings account matures? You might be surprised by the truth.

Blog

Will the CMA report make any difference to the problems with our banks?

3 June 2016

Will the CMA report make any difference to the problems with our banks?

James Daley

The CMA's two year inquiry into retail banking is nearing an end. It includes some useful suggestions to help consumers, but looks unlikely to increase the amount of switching.

Blog

Insurers' obsession with statistcs stops them making human decisions

20 May 2016

Insurers' obsession with statistcs stops them making human decisions

James Daley

Insurers are hungry for ever more information about us. But their obsession with the data stops them making human decisions. It's no wonder the public don't trust them.

Blog

And now for something completely different: how to buy carpets...

5 May 2016

And now for something completely different: how to buy carpets...

James Daley

The carpet market has more than a few similarities with the world of banking and insurance. It's easy to get ripped off.

Blog

Insurers in glass houses

27 April 2016

Insurers in glass houses

James Daley

Sunlife's latest press release does a great job at drawing attention to one of its worst failings

Blog

Are insurance companies incentivising people to be cavalier about their health?

25 April 2016

Are insurance companies incentivising people to be cavalier about their health?

James Daley

If people understood the small print in their travel insurance policy, they'd never go and see their doctor. Surely it's time for a rethink about what can and can't be excluded from the average insurance contract.

Blog

Are you being spammed?

4 April 2016

Are you being spammed?

James Daley

Insurers and banks are masterful at getting customers to give their consent to receiving spam emails and letters. It's time the regulator was given some teeth to fight against them.

Blog

Why Sir Bernard Hogan Howe's views on bank fraud are wrong

28 March 2016

Why Sir Bernard Hogan Howe's views on bank fraud are wrong

James Daley

The head of London's police force sparked controversy last week, by claiming that consumers should be left paying the bill for bank fraud if they don't keep their virus software up to date. If he were listened to, confidence in banking would collapse.