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

Blog

How much is too much?

16 April 2014

How much is too much?

James Daley

Hargreaves Lansdown's charge for administering people's accounts when they die seems excessive. Why does the financial services industry find it so hard to strike a fair balance between profiteering and fair trade?

Blog

TSB has a unique opportunity to reshape banking. So far, only its rhetoric is different.

15 April 2014

TSB has a unique opportunity to reshape banking. So far, only its rhetoric is different.

James Daley

While its advertising claims it's a bank that does things differently, TSB is still indistinguishable from its competitors. It is squandering a fantastic opportunity to lead real change in our banking sector.

Blog

Having happy customers doesn’t mean you’re a good company

14 April 2014

Having happy customers doesn’t mean you’re a good company

James Daley

Customer happiness is only one of four metrics that Fairer Finance looks at. That's because it's perfectly possible to have blissfully ignorant happy customers.

Blog

Friday confession: I was mis-sold a card protection policy

11 April 2014

Friday confession: I was mis-sold a card protection policy

James Daley

In my first few years as a personal financial journalist I was mis-sold a card protection policy by HSBC. My compensation cheque arrived today.

Blog

Crackdown on overdrafts is long overdue

10 April 2014

Crackdown on overdrafts is long overdue

James Daley

The FCA's review into overdrafts has the chance to finally bring transparency to an area of the market that has been becoming more complex

Blog

The FCA’s complaints data names and shames the wrong people

9 April 2014

The FCA’s complaints data names and shames the wrong people

James Daley

The regulator's latest complaints data unfairly punishes larger companies who are doing a good job.

Blog

Why even good companies struggle to do the right thing

8 April 2014

Why even good companies struggle to do the right thing

James Daley

Comparison sites have helped drive down prices on credit and insurance. But they've also made it harder for companies to take the moral high ground.

Blog

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

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

Why we’ve opened an account with Metrobank

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

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

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.