What have you missed this week?

Monday

• Unlawful? – Bank of Ireland’s mtg tracker increase
• Santander's 10yr fixed - NOT for brokers.  Grrr
• CCL - If you paid £1215 you can rightly feel ripped off (Most clicked on topic!)
• How much will YOU have to pay? Harlequin debacle
• Interest only – "never a scandal - just a lifestyle choice"
• Interest Only.  No redress.  Full stop.
• "Will Lenders replace phone based sales with internet?"
• "I won't vote for them, my student debt is disgraceful."
• Who owns clients post RDR?  Firm?  Adviser?
• "I know they decline stupidly but so do others."
• How to recommend cashback instead of no fee legals
• "My clients expect me to have ALL deals available"
• Mervyn King “HTB scheme may bring on housing boom”
• "Networks you're all in it together for good or bad"
• "Dual pricing on the Stamp Duty scheme? Really?"
• International - UK to lead global drive against tax evasion
• Abbey - "This actually made me giggle..."
• "Lost 3 cases due to Halifax dual pricing"
• FCA – What additional mtg data will they need?
• "Clients with health issues."
• "No to Q'terly perk as only shows on 1 payslip in 3!"

Tuesday

• URGENT PLEASE - CMCs – Give your info / questions before MP meeting Thursday
• Harlequin - …"50p commission for every £ invested"!
• MAS – "Tell us how people should manage their money"
• "My PI provider has no stomach for fighting CMCs"
• Perfect.  Just what we need.  Doubled bankers’ salaries
• Citizens Advice wants ban on fin services cold calling
• "Why don't you think you need a CCL?" (Most clicked on topic!)
• CCL - Network advice is 'phone the OFT'
• "RANT TIME!"
• BOI reverses mtg rate jump for some
• "Desk full of £350k mtg enquiries I can't place."
• Has RDR made asset moving any faster?
• "I have a Subject Acc ess Request in respect of a mtg."
• Is Long-stop cover on its way?
• Money taken in error by ‘contactless’ card pmt!
• "Offer on 85% FTB - to add 64 yr old on 35yr term!"
• International – Offshore Bond charges and tax issues
• "Section 106 - 3 new properties..."

Wednesday

• URGENT PLEASE - CMCs – Give your info / questions before MP meeting Thursday
• Advisers, Christians, same gender marriages and pensions
• "A warning to all mtg brokers!" (Most clicked on topic!)
• ValidID AML tool from SanctionsSearch.com
• Advisers also to benefit from FSCS 15% Lifemark payouts
• "Any more news on Sesame GI restrictions please?"
• Liversidge – "Financial advice. Once the client has had it you cannot take it back"
• Bridging – Would YOU recommend?  73% would!
• "Intrinsic will have only L&G for GI from October"
• So do I need a CCL or not?!
• Advisers in line for FSCS 7.5p in the £1 Keydata pay out
• "Surgeon full & fin IVA 12mths ago..."
• Has any broker submitted direct to a Secured Lender?
• "House next door to a cafe, LTV 60%?"
• SJP shortlisted for online service award
• "Who's going  to Lender Expo In Southampton?"
• Nationwide is now MASSIVE.  Do you work with them?
• "Me and my leads.....  Anyone used them?"
• "Decline - no separate titles & therefore commercial"
• "BTL for 75 year old first time landlord?"
• How can police time bar complaints fit for fin services?
• "Irish clients looking for BTL's in the UK?"
• "Who will accept 2yrs acc'nts, use net profit & int. only?"
• "Remo from bridging within 6mths of purchasing?"

Thursday

• CMCs - Who could represent smaller advisers?
• MORE power to regulators?!?!
• JPMorgan fined £3M for investment advice
• ".....they brought it up on Google Earth.."
• "Please end the 'something for nothing' culture!"
• Could this knock out Rightmove and Zoopla? 
• "That is a very scary story" (Most clicked on topic!)
• "Colonial Secured Lns -   1st class service"
• Aldermore to start lending in Scotland
• "Most networks will go restrict'd over the next 12 mths"
• "The ex pat market is pretty well toast at the mo."
• Mtg rates could go up if Scotland gets independence
• Southampton EXPO - "Was v good plus there’s CPD"
• Nationwide - mixed feedback
• "Old fashioned lender using common sense - unique"
• "NACFB broker pockets £600 for 'un-placeable' case."
• Paying into Scottish Co run pensions? May lose tax-relief!
• "UK National, classed as non-domiciled & paid in US$?"
• "Self employed 1 yr & gifted deposit of 40K..."
• "Will anyone ignore BTL without Consent to Let?"

Friday

• FOS roadshows "Send a strong message about CMCs."
• "Shabby have sales prevention officers..."
• Sesame GI restrictions "I am disgusted..."
• "Any help or tips for the DA transition?"
• Leads with commission split "Watch out for this man!"
• "Accountant introductions, what commission split?"
• "Interest only lending for 72 year old?"
• "I would love to name & shame this guy..." (Most clicked on topic)
• cherry Adviser Meeting  - Are you attending?
• "Cheap and cheerful internet solicitors..."
• "Unsecured lending as deposit - Which lenders?"
• Mr Claypole "Refund me the Broker Fee!"
• "Who's going to the Southampton Lender Expo?"
• Secured Lenders "Submit direct or via packagers?"
• "Client is a non-dom for 6 months of the year..."

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