Podcast appearances and mentions of london capital

Egyszerre 3000 magyarországi munkahelyet hirdetnek meg egy Fülöp-szigeteki állásbörzén Telex     2025-03-11 04:47:02     Gazdaság Fülöp-szigetek Gépkezelőket, hegesztőket, csőszerelőket és szállodai dolgozókat is keresnek Magyarországra. Azt is elmondták, milyen fizetésre számíthatnak, akik itt vállalnának munkát. Németország döntött, Magyarország pezsgőt bonthat: vége a szűk esztendőknek, szinte biztosan teljesül a kormány legfőbb célja vg.hu     2025-03-11 06:12:02     Belföld Németország Nagy Márton közölte, hogy az 500 milliárd eurós német infrastrukturális alap létrehozásával Magyarország előnyös helyzetbe kerülhet. Tízezren jártak pórul az angol piramisjátékban Azenpenzem     2025-03-11 05:33:00     Gazdaság Anglia London Brókerbotrány Piramisjáték Az utóbbi időszak egyik legnagyobb pénzügyi csalássorozatára derült fény Angliában. Mostanra nyilvánvalóvá vált, hogy a jól megszervezett piramisjáték áldozatait csak az állam tudja kárpótolni. A London Capital and Finance (LCF) nevű cég több mint 11 ezer károsultat rövidített meg. Özönlenek ki a magyarok Ausztriába dolgozni, közel a csúcs Privátbankár     2025-03-11 05:45:08     Külföld Ukrajna Németország Románia Ausztria Irán Szíria Afganisztán Irak Az ausztriai magyar munkavállalók száma januárban ismét emelkedett, és már alig marad el a németekétől. Bár a szezonális hatásoknak megfelelően növekedés történt, új rekord még nem született. Közben a románok száma is tovább nőtt, de lassuló ütemben. Az ukránok létszámbővülése mérséklődött, az afgán, szíriai, iraki és iráni dolgozók arány Sarokba szorult a fékhibás autót eladó kereskedő Vezess     2025-03-11 05:53:17     Autó-motor A futóműnél és a féknél is problémákat talált olvasónk a 10 évesen vásárolt autójában. Az ügyvéd elmondja, hogy ezek rejtett hibának számítanak-e. Felcsúton a 7 perc sétányira lévő cég nyert, pedig bárki indulhatott mfor.hu     2025-03-11 05:51:04     Gazdaság Felcsút Öt cég is szeretett volna térkövezni Felcsúton, de a helyi vállalkozóval szemben senki nem tudott labdába rúgni. Győzelemmel hangolt a Liverpool ellenfele a döntőre Sportal     2025-03-10 22:55:17     Foci Liverpool London Stadion Premier League Három ponttal távozott a London Stadionból a Newcastle United, amely Bruno Guimaraes találatával múlta felül a West Ham Unitedet a Premier League 28. fordulójának záró mérkőzésén. Ha megvan a Bajnokok Ligája és a Premier League, meg akarom nyerni még egyszer – Liverpoolban interjúztunk Szoboszlaival Telex     2025-03-11 06:01:04     Foci Interjú Bajnokok Ligája Szoboszlai Dominik Liverpool Premier League Szoboszlai Dominik lehet az első magyar futballista, aki bajnok lesz a Premier League-ben. Szabadidejében csak elvétve néz focit, statisztikából csak egyre kíváncsi, és ő a legkeményebb kritikusa önmagának. Arról is beszélgettünk, hogy hogyan változott meg a csapat és ő maga is a nyári edzőváltás után, és mi volt szerinte a szezon három legjobb mec Változatos időnk lesz, az ég is megdördülhet Kiderül     2025-03-11 05:02:30     Időjárás Délnyugat felől több hullámban nedves levegő áramlik térségünk fölé. Több alkalommal várható eső, zápor, néhol zivatar is kialakulhat. A további adásainkat keresd a podcast.hirstart.hu oldalunkon.

Egyszerre 3000 magyarországi munkahelyet hirdetnek meg egy Fülöp-szigeteki állásbörzén Telex     2025-03-11 04:47:02     Gazdaság Fülöp-szigetek Gépkezelőket, hegesztőket, csőszerelőket és szállodai dolgozókat is keresnek Magyarországra. Azt is elmondták, milyen fizetésre számíthatnak, akik itt vállalnának munkát. Németország döntött, Magyarország pezsgőt bonthat: vége a szűk esztendőknek, szinte biztosan teljesül a kormány legfőbb célja vg.hu     2025-03-11 06:12:02     Belföld Németország Nagy Márton közölte, hogy az 500 milliárd eurós német infrastrukturális alap létrehozásával Magyarország előnyös helyzetbe kerülhet. Tízezren jártak pórul az angol piramisjátékban Azenpenzem     2025-03-11 05:33:00     Gazdaság Anglia London Brókerbotrány Piramisjáték Az utóbbi időszak egyik legnagyobb pénzügyi csalássorozatára derült fény Angliában. Mostanra nyilvánvalóvá vált, hogy a jól megszervezett piramisjáték áldozatait csak az állam tudja kárpótolni. A London Capital and Finance (LCF) nevű cég több mint 11 ezer károsultat rövidített meg. Özönlenek ki a magyarok Ausztriába dolgozni, közel a csúcs Privátbankár     2025-03-11 05:45:08     Külföld Ukrajna Németország Románia Ausztria Irán Szíria Afganisztán Irak Az ausztriai magyar munkavállalók száma januárban ismét emelkedett, és már alig marad el a németekétől. Bár a szezonális hatásoknak megfelelően növekedés történt, új rekord még nem született. Közben a románok száma is tovább nőtt, de lassuló ütemben. Az ukránok létszámbővülése mérséklődött, az afgán, szíriai, iraki és iráni dolgozók arány Sarokba szorult a fékhibás autót eladó kereskedő Vezess     2025-03-11 05:53:17     Autó-motor A futóműnél és a féknél is problémákat talált olvasónk a 10 évesen vásárolt autójában. Az ügyvéd elmondja, hogy ezek rejtett hibának számítanak-e. Felcsúton a 7 perc sétányira lévő cég nyert, pedig bárki indulhatott mfor.hu     2025-03-11 05:51:04     Gazdaság Felcsút Öt cég is szeretett volna térkövezni Felcsúton, de a helyi vállalkozóval szemben senki nem tudott labdába rúgni. Győzelemmel hangolt a Liverpool ellenfele a döntőre Sportal     2025-03-10 22:55:17     Foci Liverpool London Stadion Premier League Három ponttal távozott a London Stadionból a Newcastle United, amely Bruno Guimaraes találatával múlta felül a West Ham Unitedet a Premier League 28. fordulójának záró mérkőzésén. Ha megvan a Bajnokok Ligája és a Premier League, meg akarom nyerni még egyszer – Liverpoolban interjúztunk Szoboszlaival Telex     2025-03-11 06:01:04     Foci Interjú Bajnokok Ligája Szoboszlai Dominik Liverpool Premier League Szoboszlai Dominik lehet az első magyar futballista, aki bajnok lesz a Premier League-ben. Szabadidejében csak elvétve néz focit, statisztikából csak egyre kíváncsi, és ő a legkeményebb kritikusa önmagának. Arról is beszélgettünk, hogy hogyan változott meg a csapat és ő maga is a nyári edzőváltás után, és mi volt szerinte a szezon három legjobb mec Változatos időnk lesz, az ég is megdördülhet Kiderül     2025-03-11 05:02:30     Időjárás Délnyugat felől több hullámban nedves levegő áramlik térségünk fölé. Több alkalommal várható eső, zápor, néhol zivatar is kialakulhat. A további adásainkat keresd a podcast.hirstart.hu oldalunkon.

Join our podcasters and partners, Nick Pemberton, Chris Room and host Ed Dunningham, from our West End Investment, City Investment and Valuation teams respectively, as they discuss a variety of topics affecting the West End and City markets.These include:How do current transaction volumes compare to the long-term average?Where the opportunities and “hotspots” lie in the London market?What their favourite deals have been in the last 12 months?Are we still in a “Price and discovery” period?“Location, location, location” – flight to quality and the importance of ESG and EPC ratings when refurbishing or redeveloping buildingsWhat change of use for office conversions to beds may mean for Central London?Find out more about our Central London Team, Valuation Team or the services Allsop offer at https://www.allsop.co.uk/Or follow Allsop or our speakers Nick Pemberton, Chris Room and Ed Dunningham on social media.Allsop:LinkedInFacebookXYouTubeInstagramNick PembertonLinkedIn/Nick PembertonChris RoomLinkedIn/Chris RoomEd DunninghamLinkedIn/Ed DunninghamDon't forget, if you've enjoyed listening, please rate us and consider writing a review.If you have a question relating to one of our podcasts or have any suggestions of themes you would like us to cover, please email podcasts@allsop.co.ukThe podcast presented here is for general guidance and represents opinions of our teams based on the property market at the time of recording.All details are correct at time of recording.

In the latest episode of our Decisions Decoded series, we discuss the key points from the Final Notice issued against Floris Huisamen, former director of London Capital & Finance plc (LCF), with the remit for Risk and Compliance. In terms of background to this decision, at the relevant time LCF's business involved the raising of finance through the issuance of minibonds, which was then loaned to third-party corporate entities. The minibonds were sold predominantly to retail investors. LCF entered administration in January 2019. The firm had, however, already issued over 16,700 bonds, totalling over £237m. The effect of LCF's collapse on investors was significant. In October 2023, LCF was publicly censured for its unfair and misleading financial promotions of the minibonds. In connection with this, Mr Huisamen has now been fined £31,800 and prohibited from performing any function in relation to any regulated activities.

Hello, and welcome to episode 95 of the Financial Crime Weekly Podcast, I'm Chris Kirkbride. It is yet another busy week for financial crime. There is the usual range of sanctions updates and additions, together with blog posts on imminent updates to guidance and operations. On money laundering, there is some important movement from the EU on a new regulation and directive, and in the UK, the Home Office has responded to the Law Commission's SARs regime recommendations. In terms of fraud, the UK has launched a new anti-fraud initiative – another one – with a clear aim at prevention. Finally, the recently-appointed Director of the SFO has delivered his first speech since appointment, with some interesting take-aways, and I have rounded up some of this week's cyber-attack news. Lots to get through, so let's crack on. As usual, I have linked the main stories flagged in the podcast in the description. These are: Council of Europe, Azerbaijan should step up investigations and prosecutions of money laundering and improve supervisory arrangements, says MONEYVAL.Council of the European Union, Proposal for a Regulation of the European Parliament and of the Council on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing.Council of the European Union, Proposal for a Directive of the European Parliament and of the Council on the mechanisms to be put in place by the Member States for the prevention of the use of the financial system for the purposes of money laundering or terrorist financing and repealing Directive (EU) 2015/849.Council of the European Union, Note: General Secretariat of the Council.Financial Conduct Authority, Four men under investigation on suspicion of multiple offences.Financial Conduct Authority, FCA bans and fines Floris Jakobus Huisamen over London Capital & Finance plc financial promotions.Financial Conduct Authority, Final Notice: Floris Jakobus Huisamen.Financial Conduct Authority, Mohammed Zina found guilty of insider dealing and fraud.Financial Crimes Enforcement Network, Fact Sheet: Anti-Money Laundering Program and Suspicious Activity Report Filing Requirements for Registered Investment Advisers and Exempt Reporting Advisers Notice of Proposed Rulemaking.Financial Crimes Enforcement Network, Statement of FinCEN Director Andrea Gacki before the House Committee on Financial Services.Forbes, What Is Phishing? Understanding Cyber Attacks.Foreign, Commonwealth and Development Office, UK sanctions extremist settlers in the West Bank (press release).His Majesty's Revenue and Customs, Economic Crime Supervision Handbook.Information Commissioner's Office, ICO approves legal services certification scheme.International Monetary Fund, Corruption and Economic Growth in Moldova: A Reexamination.Microsoft, Staying ahead of threat actors in the age of AI.Nick Ephgrave, Director Ephgrave' speech at RUSI 13 February 2024.Norton Rose Fulbright, Regulation Tomorrow Plus: Submitting better SARs - A guide for MLROs and in-house teams.Office of Financial Sanctions Implementation, Financial Sanctions Notice: Global Human Rights.Office of Financial Sanctions Implementation, Financial Sanctions Notice: Russia.Office of Financial Sanctions Implementation, Changes coming to OFSI guidance in 2024 (blog post).Office of Financial Sanctions Implementation, New reporting requirements for Designated Persons under the Russia Regime (blog post).Office of Financial Sanctions Implementation, Financial sanctions guidance for ransomware.Office of Financial Sanctions Implementation, General Licence - INT/2022/2009156.Office of Financial Sanctions Implementation, Introduction to Financial Sanctions Licensing Webinar.Office of Financial Sanctions Implementation, UK Maritime Services Ban and Oil Price Cap: Industry Guidance.Office of Financial Sanctions Implementation, General Licence – Oil Price Cap  INT/2024/4423849.Office of Financial Sanctions Implementation, General Licence – Publication Notice.Office of the Inspector General, Audit of the Criminal Division's Money Laundering and Asset Recovery Section Special Analytics System.Pinsent Masons, The importance of a cyber incident response plan.UK Home Office, Policy Paper: Response to Law Commission review of the SARs regime.UK Home Office, Major campaign to fight fraud launched.US Department of Justice, Three Defendants Convicted At Trial In $7.9 Million COVID-19 Fraud Scheme.US Department of Justice, Six Men Sentenced for Roles in $20M COVID-19 Relief Fraud Ring.US Department of Justice, Former CEO Sentenced to Prison for COVID-19 Relief Fraud and Money Laundering.US Department of State, U.S. Participation in the EU – Sanctions Coordinators Forum.US Department of the Treasury, Fact Sheet: Treasury Actions to Enhance Financial Transparency and Combat Illicit Finance.WTW, UK Cyber Insurance Market Update.

MPs have described the collapse of London Capital and Finance as one of the largest conduct regulatory failures in three decades, the government announces a ban on junk food adverts and Catherine Faiers from Autotrader talks to Sky's Ian King about a boost in car sales.

The regulator Ofcom tells Money Box people shouldn’t trust Caller ID. It says the spoofing of numbers can be stopped, but to do so will take years. Spoofing has been used by fraudsters to convince thousands of people they are being called by banks or HMRC and trick them into handing over tens of thousands of pounds. It's more than two years since the collapse of London Capital and Finance where investors lost £237m. This week the government announced a new scheme in which almost 9,000 people will get some of their money back. Why do many banks charge 39% interest on overdrafts but pay less than 1% on savings? Listener Edwyn describes the difference as ‘extraordinary’ and ‘scandalous.’ Paul talks to Sarah Coles, personal finance analyst at Hargreaves Lansdown. And what happens to your pension if you die before drawing it? Romi Savova from PensionBee explains. Presenter: Paul Lewis Reporter: Dan Whitworth Researcher: Sowda Ali Producers: Ben Carter and Joe Kent Editor: Alex Lewis

The market for providing advice on defined benefit transfers has shrunk by 46% over the past few years, as insurance costs and regulatory changes take their toll - and there are concerns this will be exacerbated by the contingent charging ban, which came into effect in October 2020.So what does it take for a financial advice firm to continue to provide financial advice? This week, reporter Amy Austin talks to two advisers who have remained in the market: Alistair Cunningham of Wingate Financial Planning and Dominic James Murray of Cameron James.They discuss how their firms have managed to remain in the DB transfer market, what impact the contingent charging could have, the role abridged advice could play and what it means for clients if the market continues to shrink.Then, Amy talks to reporters Imogen Tew and Rachel Mortimer about James Hay's decision to buy Nucleus and the Treasury select committee's investigation into the London Capital & Finance scandal.The FTAdviser Podcast is the weekly podcast for financial advisers, brought to you by FTAdviser. Each week, FTAdviser is joined by guests from the industry to discuss the week in news and pressing industry issues. See acast.com/privacy for privacy and opt-out information.

For episode 71 of the Hoopsfix podcast, we sit down with Tayo Ogedengbe, 12 year BBL veteran, England international and the face of the Surrey Scorchers franchise.Ogedengbe has been one of the best and most consistent British players in the BBL for a number of years, having made his debut in 2007-8 with London Capital under Steve Bucknall before representing Guildford Heat, Glasgow Rocks, plus a season in France with Calais, London Lions, and then signing with the Surrey Scorchers in 2015/16 as their franchise player, where he has remained since.His role with Scorchers goes beyond purely on-court as a player, and he is involved in a lot of decision making with the franchise.In this 90 minute episode, hear from Tayo on: His 'brand ambassador' role with the Surrey Scorchers The inception of the Surrey Scorchers franchise and the vision for his place with the franchise How many years he thinks he has left playing What he sees himself doing when he finishes playing The change he has seen in the BBL over the decade he has been playing in it Areas he would like to see the BBL improve His take on the All-Stars Championship When he found out last season was going to be cancelled due to COVID-19 The need for a player's union His thoughts on the coming BBL season and the potential impact of COVID-19 Surrey's training 'bubble' that has seen numerous players compete as lockdown eased Joel Freeland and whether we could see him getting involved with the Scorchers His relationship with Puma and involvement with other brands The commercial development of British basketball His early playing days with Ealing Tornadoes Winning Midnight Madness and as a result getting a place at Canarias Basketball Academy Starting his time in the BBL with London Capital under Steve Bucknall Playing under Creon Raftopoulos - initially at Guildford Heat - and their relationship to this day Scratching the itch to play abroad and doing a year in France with Calais Whether he has any regrets about not spending more time overseas His thoughts on the Scorchers' roster this coming season and an overall season preview The goals he wants to achieve before retiring And much, much more! The show has been approved on iTunes – find it here and please subscribe to automatically receive new episodes straight to your phone/computer/tablet – if you could give us a review/rating it would be much appreciated to help the podcast spread far and wide, meanwhile it is also on Spotify here, Overcast, Stitcher, and Google Podcasts.

Martin Bamford's back with the handiest guide to the week's money news. This week - pressure on banks to give a better deal on savings, disappointing news for investors in London Capital & Finance, some minimum pay workers are being underpaid, household debt returns to record high levels and what the Travelex ransom attack means for your holiday cash. Produced with Informed Choice Independent Financial Advisors in Petersfield.

Every week Petersfield Community Radio keeps you up to date with the money news that could affect your life, your investments and the future of your family. This week, security and teaching support are among the happiest lower-paid professions you could work in. We have an update if you have lost money in the London Capital & Finance failure, news about the current scale of pension transfers and new evidence that boilers are boring. Who knew? All with Martin Bamford of Informed Choice Financial Planners of Petersfield.

Tens of thousands of people are using two new apps which let them access their wages as they earn them. With no more waiting around for monthly pay days is this new tech helping people’s financial health or putting them at more risk of going into debt? Some of the people who lost money with the collapsed investment firm London Capital and Finance have been given a glimmer of hope they may be eligible for compensation. The Financial Services Compensation Scheme says some people may have been given advice about investing which would mean they could make a claim to get some, or all, of their money back. We hear the latest from the administrators and those who could benefit and those who are worried they might miss out. Counting down to the end of a five year loan agreement, one small business couldn’t wait to make the last payment. But the owners didn’t read the small print. It said they needed to give three month’s notice before they could stop paying the loan. We speak to a contract law specialist to see what people should do to avoid any similar nasty surprises. Presenter: Paul Lewis Reporter: Dan Whitworth Producer: Alex Lewis Editor: Emma Rippon

Ben Wallace MP, Minister for Economic Fraud responds to criticism from Her Majesty's Inspectorate of Constabulary about whether the government is "content to leave fraud at the back of the queue" given what damage it can do. Dan Whitworth reports on a significant development for the former clients of collapsed mini-bond firm London Capital and Finance. And the launch of a pilot scheme to tackle rent arrears and keep people away from high cost credit by allowing them to flex their monthly rent payments. Presenter: Paul Lewis Reporter: Dan Whitworth Producer: Alex Lewis Editor: Emma Rippon

The inconsistent manner in which police forces in England and Wales investigate reports of fraud is leaving victims 'confused and disillusioned.' That's one of the findings in a report by the watchdog Her Majesty’s Inspectorate of Constabulary and Fire and Rescue Services. Money Box listener Emma lost her £25,000 new home deposit after criminals hacked emails between her and her solicitor in order to divert and steal the money. She feels let down by the police and her bank. Guest HM Inspector of Constabulary Matt Parr. What needs to happen for you to achieve the life you desire? How much money is enough money? Just a few of the questions likely to be asked by a lifestyle financial planner as they cashflow model your future. Julie Lord, Chief Executive of Magenta Financial Planning, explains what it involves. A report from Gingerbread, the charity for single-parent families, highlights concerns over the operation of one of the Child Maintenance Support payment methods called Direct Pay where parents manage payments between themselves. Guest: Sumi Rabindrakumar who wrote the report for Gingerbread. This week the Financial Conduct Authority issued a warning for people considering putting their cash into Innovative Finance ISAs (IFISAs). It says mini-bonds or peer-2-peer investments "may not be protected by the Financial Services Compensation Scheme so customers may lose the money invested or find it hard to get back." It follows the collapse of London Capital & Finance. More than 11,000 people invested £236m with the failed mini-bond provider. Reporter: Dan Whitworth Presenter: Paul Lewis Producer: Charmaine Cozier Editor: Richard Vadon

As we fast approach one fifth of the way through the 21st century, the world of finance is modernising in ways that would have been unimaginable a few years ago. And not always in a good way.  The language of ‘savings’ has evolved to the point of dishonesty and even fraud. On this week’s podcast editor Simon Lambert and reporter George Nixon join host Georgie Frost to look at fancy new Innovative Finance Isas, at savings products that claim to offer 8% returns and to be protected by the official savings watchdog but are in fact risky investments – and the fraud investigation at London Capital and Finance, where thousands of ‘savers’ lost millions of pounds. Simon guides listeners through the dark side of mini bonds and the complex web of companies that savers’ money was poured into at LC and F before it collapsed owing £236m. The City watchdog supposedly overseeing the company is also now being investigated . On a cheerier note, George explains how teenagers are able to invest on the stock market and how easy it can be to get started, plus a couple of new free share dealing services, an old-fashioned holiday trap and whether insurance companies would pay out if your flash car crash is on video and on social media. Enjoy.  

In light of the London Capital and Finance scandal the city watchdog is warning consumers about how some high-risk investments are marketed. Claer Barrett is joined by senior FT journalists Barney Thompson and John Gapper to assess what's gone wrong. Next up, could climate change provide a novelway to start a conversation about investment with your children? And finally our Rich People's Problems columnist discusses whether his ski apartment is good value for money. See acast.com/privacy for privacy and opt-out information.

Money Box reporter Dan Whitworth analyses the main findings from the administrators' report into London Capital & Finance. The high-risk mini-bond provider collapsed in January but not before it had taken £236m from 11,650 people. Many of them were first-time investors who thought their money was going into fixed rate ISAs. The cash they put in came from pensions, inheritances and life savings. From April the Financial Services Compensation Scheme (FSCS) limit for regulated investments rises to £85,000 from the current £50,000. Guest Mark Neale, Chief Executive of the FSCS. As this year’s Council Tax bills arrive, are you eligible to reduce yours with a discount, exemption or help from a Council Tax Reduction scheme? Guest: Caroline Siarkiewicz,, Director and debt advice expert at the Single Financial Guidance Body. NHS consultant James Bailey explains how the annual allowance taper affects his finances and working life. The taper was introduced in 2016 and affects people with income over £150,000 including pension savings. For every £2 of income over £150,000, the annual allowance reduces by £1, to a minimum of £10,000 a year. If an individual’s income is less that £110,000 a year, excluding all pension savings, then the annual allowance taper doesn't apply. Guests: Josephine Cumbo Pensions Correspondent for the Financial Times and John Ralfe, an Independent Pensions Consultant. Reporter: Dan Whitworth Presenter: Paul Lewis Producer: Charmaine Cozier

Over 13 million smart meters have been installed in the UK. By the end of December next year gas and electricity suppliers will be expected to have taken "all reasonable steps" to roll them out to domestic and small business customers. One of those steps involves offering cheaper tariffs to customers - but only if they agree to have a smart meter installed. There's no legal requirement to have one so is it an unreasonable step too far? Guests: Lawrence Slade, Chief Executive at Energy UK and Joe Malinowski, founder of energyscanner.com To what extent does the way we bank affect the way we spend, or don’t spend, our money? Guest: Abi Adams, Behavioural Economist at the University of Oxford. The Serious Fraud Office has opened an investigation into individuals linked to London Capital & Finance. The failed high-risk mini-bond provider entered administration in January, but not before over 11,000 people had trusted it with £236m of their cash to invest in what they were told were fixed-rate ISAs. They now stand to get 20% of their money back at best. Annuities are a retirement income product bought with some or all of your pension pot. The insurance and pension provider Prudential is currently transferring around 400,000 policy holders to Rothesay Life following the sale of its portfolio to the annuities specialist. Guest: Billy Burrows, Retirement Director at specialist pensions adviser Better Retirement who explains the underlying security behind annuities and how they are protected if the provider changes. Reporter: Dan Whitworth Presenter: Paul Lewis Producer: Charmaine Cozier Editor: Richard Vadon

London Capital and Finance recently went under taking £263million of investors' money with them. What are some key lessons we can learn from this that might prevent you from being caught in future?

In his first budget speech for the new Labour government chancellor Gordon Brown announced the 1999 introduction of individual savings accounts. The idea was to encourage the habit of putting money away, especially those who had never saved before. Twenty years later, there are more types available. We look at non-cash ISAs with Mark Polson, Founder of The Lang Cat financial services consultancy. Money Box reporter Dan Whitworth looks into warnings sent to the Financial Conduct Authority years before it took action against London Capital & Finance plc. LCF entered administration in January. By that time over 11,000 people had put £236m into high risk mini-bonds. At best they might only get around 20% of their original investment back. Laura received a letter from the Department of Work and Pensions asking for £625 of benefits it had placed into the bank account of her deceased grandmother. Laura's only involvement was to register the death. There was no will and no executor. The few assets her grandmother had went towards meeting funeral costs. The DWP confirmed to Money Box that there's no legal obligation to return a benefit direct payment of this type and if the recovery letter it sends is ignored, it will not pursue the amount. It also confirmed there are no plans to reimburse Laura the £625 she struggled to raise to pay it. Guest: Adam Sym, Probate Executive, Stephensons Solicitors. The exit fees charged by investors who want to move from their current online platform, and the difficulty many face in doing so, is the subject of the latest market study from the FCA. What might change for investors and do the proposals go far enough? Presenter: Paul Lewis Reporter: Dan Whitworth Producer: Charmaine Cozier Editor: Richard Vadon

Money Box reporter Dan Whitworth investigates the companies which marketed London Capital & Finance plc ('LCF') mini-bonds to investors, including on comparison websites. LCF entered administration in January, by then 11,000 bondholders had invested £236m of savings. The joint administrator to LCF, Finbarr O'Connell, also provides an update on efforts to determine how the investments of those 11,000 bondholders unravelled and whether they have any hope of getting any of their money back. The cost of obtaining a death certificate in England and Wales recently increased from £4 to £11. People usually find, to their surprise, that they need to purchase multiple copies of certificates when alerting financial institutions or utility companies to a bereavement. Guest: Ian Bond Director and Head of Trusts and Estates at Talbots Law and chair of the Law Society's wills and equity committee. Financial Independence, Retire Early or FIRE is a movement driven by the idea of extreme saving in order to fund an early retirement. How realistic is it? Guests: Kristian Danielson who is 27 and planning to retire before he's 40 and Nick Earl, Financial Planner at London Money where he specialises in investments and retirement planning. Reporter: Dan Whitworth Presenter: Paul Lewis Producer: Charmaine Cozier Editor: Richard Vadon

Confirmation of payee is a fraud prevention system which would allow banks and customers to check names alongside account and sort code details to ensure that transferred money goes to the right person. The Payment Systems Regulator wanted it to start in July. This week UK Finance, which represents banks, said it needed a delay until "some time next year." Guest Gareth Shaw, Head of Money, Which? Money Box reporter Dan Whitworth takes a forensic look at the accounts of companies linked to London Capital and Finance plc. The company is in administration, leaving 11,000 investors worried about what's happened to their cash. Guest Roger Isaacs, Forensic Partner at Milsted Langdon Megan Jarvie, Head of Coram Family and Childcare discusses the latest figures for tax-free childcare which show that 91,000 families used it for 109,000 children. Figures released this week revealed that 10 million people are now saving into a workplace pension. Some of those workers are non-tax payers and have been placed by employers in net pay arrangement schemes where pension contributions are collected before income tax. It means they don't get the tax relief on their pension contributions that they would get if they were in another scheme known as a relief at source, where contributions are collected after income tax. Guest: Meredith McCammond, Technical Officer for the Low Incomes Tax Reform Group. Presenter: Paul Lewis Reporter: Dan Whitworth Producer: Charmaine Cozier Editor: Richard Vadon

A firm which raised more than £200m from 14,000 investors has gone into administration. London Capital & Finance Plc (LCF) issued mini-bonds which promoted returns of 8 percent and higher. The Financial Conduct Authority was already investigating, last December it froze the assets of the firm. It also directed LCF to pull its "promotional material on the basis that the way in which it was marketing bonds was misleading, not fair and unclear." The FCA also expressed concerns that "LCF bonds were being marketed as ISA eligible when they were not." Guest: Finbarr O'Connell, one of the administrators of London Capital & Finance Plc. Tougher fraud prevention measures have seen some websites asking online shoppers to verify their identities by entering a six digit number, sent to them by text, before the transaction can continue. What if you live somewhere without a mobile signal? Guest: James Daley, Managing Director and Founder, Fairer Finance. We hear from the Money Box listener who's paying hundreds of pounds a year in fee charges for a SIPP investment that’s been valued at £1. Guest: Adam Samuel, financial services compliance specialist. Child Trust Funds were set up for babies born between 1 September 2002 and 2 January 2011 to encourage regular, long-term saving habits. Families received starter vouchers of £250 or £500 to open fund accounts. If, after the first year, they hadn’t, HMRC did it and sent families details of their provider. In many of those cases families failed to contact providers and forgot about the accounts. The first wave of children are turning 16 when they can take control of managing accounts ahead of being able to make withdrawals at 18. How can a lost account be found? Guest: Carol Knight, Chief Operating Officer TISA.

Have you had an accident in the last 5 years - even if it wasn't your fault? Ticking that box on a car insurance application can be very costly - even if you weren't to blame. Money Box reporter Dan Whitworth has been investigating why. Around 14,000 investors who put their money into a mini-bond sold by London Capital & Finance are in limbo this week after the Financial Conduct Authority froze the firms assets and banned it from advertising or selling the product. What does this mean for people with money invested? The Chinese economy is flagging after decades of expansion and the latest Bank of England figures show a fall in UK consumer lending. Will 2019 see our personal finances coming under an increasing squeeze? And as the currently un-named Government backed 'Single Financial Guidance Body' comes into being - taking on the roles of The Pensions Advisory Service, Pension Wise and Money Advice Service - we mull over suggestions for what it could be called... Presenter: Paul Lewis Producer: Alex Lewis Editor: Richard Vadon

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