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Category: Financial Conduct Authority (FCA)

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Financial Conduct Authority (FCA)

I have invested money into cryptocurrency and cannot get in contact with the company that I paid to handle my investment. I found them through social media channels, and the profile has been deleted. I think I have been scammed. Can you help?

Debt & Money, Finance, Financial Conduct Authority (FCA), Scams / June 23, 2022

Scottish citizens are being targeted by crypto asset-related investment scams on a more regular basis. This is in part due to the way that scammers latch on to current events, trending topics, and the latest fads. Some crypt assets, including Bitcoin and Ether, sometimes referred to as ‘cryptocurrencies’ are not regulated in the UK, meaning …

I have invested money into cryptocurrency and cannot get in contact with the company that I paid to handle my investment. I found them through social media channels, and the profile has been deleted. I think I have been scammed. Can you help? Read More »

‘Buy Now, Pay Later’ – The Truth About Spreading the Cost

Consumer Protection, Consumer Rights, Consumer Spending, Debt, Debt & Money, Financial Conduct Authority (FCA) / March 21, 2022

On the 2nd of February 2020, the Financial Conduct Authority (FCA) released the Woolard Review, which included an assessment of the ‘buy now, pay later’ (BNPL) payment options available to consumers, offering recommendations that these lenders should face stricter controls by financial regulators. The Publication ‘The Woolard Review – A review of Change and Innovation …

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Brighthouse Collapse – What Does This Mean For Consumers?

Company Administration / Out of Business, Coronavirus / Covid-19, Debt, Debt & Money, Finance, Financial Conduct Authority (FCA), Hire Purchase, Retail, Saving Money / March 21, 2022

This afternoon (30th March 2020), the announcement was made that Brighthouse (the biggest rent-to-own operator in the UK) had collapsed, raising questions for many consumers with regards to their rights under prior hire purchase agreements. ‘Hire-purchase’, ‘conditional sale agreement’ or ‘rent-to-own’ are all generally used to refer to an agreement between a lender (in this case Brighthouse) and a …

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Overboard on Overdrafts: Changes for Consumers Coming Soon

Consumer Protection, Consumer Rights, Consumer Spending, Debt, Debt & Money, Finance, Financial Conduct Authority (FCA), Saving Money / March 21, 2022

With the FCA announcing changes to regulations around overdraft fees and charges, consumers should (in practice) be able to more easily compare the true costs of an overdraft. However, questions still remain regarding whether these changes will benefit consumers or cost them more in the long run. In April 2020 FCA regulations will tighten, meaning …

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Safety In Numbers – Protecting Your Hard-Earned Cash

Company Administration / Out of Business, Consumer Protection, Consumer Returns, Consumer Rights, Consumer Spending, Finance, Financial Conduct Authority (FCA), Holidays / Travel / March 21, 2022

As confusion surrounded the potential administration of airline Flybe last week, many consumers understandably found themselves panicking about the security of their bookings and hard-earned money. Although the Government intervened and assisted the airline before it was too late, many will undoubtedly remain cautious when booking holidays in the near future. With that in mind, …

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