You know that sinking feeling, when an official looking letter drops through your door from what looks like a firm of solicitors, demanding that you pay up some money to someone or other . There is usually slip at the bottom of the letter touting countless Visa and Mastercard logos an
The Financial Services Authority has been disbanded as at April 1st and has been replaced by two new organisations – the Financial Conduct Authority (“FCA”) and the Prudential Regulation Authority (“PRA”). The FCA has promised to be focused much more on consumers and the conduct of fi