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

Blog

7 April 2014

Financial advisers need to be part of the solution, not the problem

James Daley

With trust in banks and insurers at an all time low, financial advisers need to lead the way in rebuilding the industry's reputation. But the FCA's latest review shows that many IFAs are still part of the problem.

Blog

4 April 2014

Why we’ve opened an account with Metrobank

James Daley

When Fairer Finance was deciding who to bank with, we looked no further than our own bank account tables. The best performing company that offers business banking was Metrobank.

Blog

3 April 2014

The FCA’s credit card market review may put an end to 31 month 0% balance transfers

James Daley

The FCA has announced a competition review of the credit card market, which is certain to uncover some areas of market failure. It may be hard to fix them without pushing prices back up.

Blog

2 April 2014

Complaints statistics are no use for consumers

James Daley

The Financial Ombudsman Service and the Financial Conduct Authority both publish complaints data. But good luck making any sense of it.

Blog

1 April 2014

Being happy with your bank doesn’t mean you trust them

James Daley

Fairer Finance's trust scores differ considerably from our happiness scores. So how can a customer be happy but not trust their bank?

Blog

31 March 2014

Back a smaller company and force the old guard to work harder

James Daley

A number of lesser known names can be found at the top of Fairer Finance's tables. Next time you switch, why not put your faith in a smaller brand, to help them provide a real challenge to big banks and insurers

Blog

28 March 2014

Be fair or be fined - the rules of a new era of financial regulation

James Daley

The Financial Conduct Authority (FCA) has been hyperactive since its launch last year. But the narrative for companies is clear - if you've got any skeletons left in your closet, sort them out now or have them sorted out for you.

Blog

27 March 2014

Santander says it’s simple, personal and fair. Hands up if you agree

James Daley

Santander's new ads declare that they are "Simple. Personal. Fair". Customers will be the judge of that, not the bank's advertising agency.

Blog

26 March 2014

Same old Santander: a decade of bad headlines

James Daley

It's almost 10 years since Santander bought Abbey. This week, it is reported to be on the verge of receiving a 12.5m fine for giving poor investment advice. The latest in a string of bad news stories for the Spanish bank.

Blog

24 March 2014

Co-op’s chance to turn the corner

James Daley

The Co-op Bank has not been the poster child for mutuality that it could and should have been. But it still has a chance to emerge from the recent mess with its reputation intact.