Comments for shrewdcookie.com

Comment on ISAs – the basics – 2011/12 tax year by Friday grapevine: best of the blogs - TotallyMoney

Friday grapevine: best of the blogs - TotallyMoney — Fri, 27 Jan 2012 16:45:48 +0000

[...] Shrewd Cookie explains ISAs. [...]

Comment on ISA Allowances 2011/12 Tax Year by John

John — Sun, 09 Oct 2011 11:59:11 +0000

Thanks for an informative article – just the information I was looking for.

Comment on Warning – HMRC Tax Refund Email Scam? by shrewdcookie

shrewdcookie — Wed, 19 Jan 2011 08:32:56 +0000

Yes Rob, I am aware of at least one person who has contacted me already to say they got caught out with this scam and their current account was emptied shortly after the completed and returned the form. This scam is very much alive.

Comment on Warning – HMRC Tax Refund Email Scam? by Rob Lewis

Rob Lewis — Tue, 18 Jan 2011 22:41:29 +0000

Yes this scam seems to come and go, but probably catches out more people when there’s talk of HMRC errors and possible rebates.

Cheers for the link.
Rob Lewis recently posted..Debtris- Britain’s Debt Visualised

Comment on Download Free Yearplanner for 2011 by Johnny Q

Johnny Q — Sun, 12 Dec 2010 10:58:25 +0000

Awesome – thanks.

I found the 2010 yearplanner really useful.

Comment on Waiver of Contribution by shrewdcookie

shrewdcookie — Sat, 04 Dec 2010 13:13:54 +0000

It sounds as though you have already made a complaint to the company. If you're not happy with the outcome then I believe you can refer it on to the Financial Ombudsman

Comment on Download Free Yearplanner for 2011 by Free 2011 Year Planner / Money Watch

Free 2011 Year Planner / Money Watch — Fri, 03 Dec 2010 22:03:30 +0000

[...] at Shrewdcookie has put together his annual A4 year planner to download and print, so you can do just [...]

Comment on Waiver of Contribution by Mike

Mike — Fri, 03 Dec 2010 17:46:24 +0000

The plan was sold in 1992,no features document,no information that the WOC ended before the plan matured,the agent has admitted he did not know,the company have also stated the plan was not suitable,18yrs later.

Comment on Waiver of Contribution by shrewdcookie

shrewdcookie — Fri, 03 Dec 2010 17:07:24 +0000

I can’t really comment on individual cases per se, but I do seem to recall a number of companies did provide WOC which terminated before the end of the contract.

The reason for this was to keep the costs “affordable” – it is during the earlier years of the plan that the planholder needs most protection (based on the assumption our wealth increases as we get older). The likelihood of a claim in later life increases dramatically and this would therefore increase the premium payable.

If the plan was sold recently I would have expected the applicant to have been provided with an illustration, a key features document and a suitability report. These would have shown that the WOC ends before the plan did.

Of course, if you make a complaint against an adviser/firm and are not happy with the outcome you should have recourse the Financial Ombudsman Service.

Comment on Waiver of Contribution by Mike

Mike — Tue, 30 Nov 2010 17:21:43 +0000

What if a agent sells you a plan with WOC,and you then find it ends before the plan has reach maturity,what rights do you have?.also what rights do you have when the company then say it was in the terms and Conditions which you have never had,and the Schedule received,plus the application form makes no mention of the WOC ending before maturity.

I would be very interested for comments regarding this issue.