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

Blog

4 June 2014

The Queen paves the way for intergenerational pensions warfare

James Daley

Today's Queen's Speech unveils government plans to introduce Dutch style pensions to the UK. They could bring a better retirement to millions, but they also come with built in squabbles between generations.

Blog

3 June 2014

Spotlight on the AA: a mixed bag in financial services

James Daley

The AA has incredibly happy customers in the car breakdown market. But when it comes to financial services, its track record is a mixed bag.

Blog

30 May 2014

When should the bank pick up the bill for fraud?

James Daley

Banks are obliged to refund you if you're a victim of certain types of fraud. But when it comes to scams, the responsibility often lies with the customer. So what's the difference between a scam and a fraud?

Blog

29 May 2014

Hiscox is the first to sign up to Fairer Finance’s endorsement scheme

James Daley

The first company to sign up to our endorsement scheme gets the wheels rolling on our mission to change markets for consumers.

Blog

28 May 2014

How much compensation should I expect?

James Daley

Companies are increasingly offering cash payments to customers as a way of saying sorry. But if you've been on the end of bad error, how much should you expect?

Blog

27 May 2014

Why I won’t be rushing out to buy TSB shares

James Daley

TSB has formally announced plans to float later this summer, and is even offering a few free shares to retail investors. While it's got bags of potential, this won't be a one-way bet for shareholders.

Blog

21 May 2014

Santander’s new overdraft fees are another step in the right direction

James Daley

Changes to Santander's overdraft charges in August are mainly good news for customers. HSBC is now the outlier when it comes to high bank fees.

Blog

20 May 2014

Have you been mis-sold a packaged bank account?

James Daley

Ombudsman complaints about packaged bank accounts almost trebled in 2013 - another indication that cultural change in our banks is not happening nearly as quickly as we're told it is.

Blog

19 May 2014

Are insurers letting their customers sleepwalk into the wrong retirement choices?

James Daley

Most insurers are not doing nearly enough to let their customers know about the sweeping pension changes announced in March's Budget.

Blog

16 May 2014

Banks are struggling to switch accounts in seven days

James Daley

The new current account switching scheme provides a guarantee that the transition will be completed in seven days. Some banks are failing to keep the promise.