Mis-sold Pension?

Posted on by CCKeith in Uncategorized Comments Off on Mis-sold Pension?

With more and more people in the UK now believing that they were given bad advice over their pensions or were persuaded to invest it elsewhere, there has been a huge increase in people looking to seek compensation.

The large financial institutions, banks, and lenders etc don’t want to pay compensation or settle claims, because it’s not in their interest to. It can be the case that they will reject many claimants, and this can make people give up at the first hurdle.

Even if you don’t have all of the details of a historical meeting or consultation with an advisor, we can dig through the archives and find out what happened, why you were mis-sold, and how much compensation you could be owed.

If any or all of the following points apply to the advice you were given you may have a claim.

  • If your financial or pensions advisor didn’t explain the risks properly to you
  • If your advisor did not properly assess your financial situation with a fact find
  • If the advisor told you that your pension plan would definitely pay off your mortgage
  • If the advisor did not explain that the amount you would get back depended on performance
  • If the advisor did not properly explain the fees and charges involved

Remember most advisors are commission driven so getting you to accept their advice is the most important thing to them!

If you think that this applies to you contact us today on 01942 619911 and speak to one of our experts.

New Year’s Resolution 2018

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Have you checked if you are entitled to refund of PPI yet? If not make this the New Year’s Resolution that is not forgotten as you may be entitled to compensation.

The highest recorded pay-out was £104,500 from Barclaycard! This was an exceptional case with the customer having records dating back to 1989!

Banks are only required to keep records for six years so don’t expect a monster pay-out like this!

Payment Protection Insurance policies have been sold alongside Loans, credit cards, mortgages, car loans and catalogue accounts. The vast majority have been misold and you could be due a complete refund plus all the associated interest. this could add up to a substantial amount of money.

The Financial Conduct Authority has put in place a deadline for making a claim – 29th August 2019 so you have about 20 months in which to start your claim.

Don’t let the banks keep your money, contact us today on 01942 619911 or by email at info@compiclaims.com and we will be please to advise and assist you with your claim.

Remember it costs nothing to check if you are owed anything and you don’t even have to have any records as we can find out if your claim is valid.

So if you only make one resolution in the new year make it this one!

Theresa May is right: something must be done about executive pay

Posted on by CCKeith in Uncategorized Comments Off on Theresa May is right: something must be done about executive pay


Many people were surprised earlier this year when Theresa May launched her bid to be Conservative leader not with a speech on national security or borders, her specialisms as a formidable Home Secretary, but on corporate governance. The term itself drew plenty of blank looks, but the now-Prime Minister had identified, correctly in my view, that there are few things as central to our economic system as how companies are organised and overseen. At the Institute of Directors, we have been campaigning for over 100 years for good corporate governance. We think that large companies can only be both commercial and ethical with the right checks and balances in place.

If you would like an example of how important governance is, just consider what happens when standards slip. The collapse of BHS and the ongoing Sports Direct saga are both directly linked to poor functioning of their boards. In the next few days, the Government will release its long-awaited review into corporate governance. I applaud the genuinely consultative approach ministers are taking with business because the issue in question is a thorny one: do we continue with the organisation of capitalism in its current form, or make a break? Advocates of the status quo should not be surprised that they find themselves increasingly isolated. Writing in The Telegraph in early June, I warned that “there are many politicians, from across the spectrum, who would be very happy to place more burdens on business. To combat excessive or counterproductive new red tape, businesses in the public eye must be seen to be giving a good deal” back to society. An awful lot has happened since then. In a speech this week, Mrs May drew a direct link between public distrust of business and the Brexit vote.

Much the same could be said of Donald Trump’s success in the US presidential election. Bearing this in mind, combined with anger at sky-high pay at some listed companies, and it was only a matter of time before the Government made its move. Some in business will view this new found political interest in the technical procedures of boardrooms as unfair, given that the UK has long been a leader in pushing for more transparent governance. The 1992 Cadbury Report led to the establishment of a model of regulation which makes public companies comply with a wide-ranging code of practice, or explain why they haven’t. The Financial Reporting Council says that compliance with the code is over 90 per cent. It’s a model that’s been copied internationally. Nor has regulation stood still. The Coalition government recognised that decisions on directors’ pay seemed to be being made with little reference to shareholders, the people who actually owned the company. As Business Secretary, Vince Cable may have had an occasionally bumpy relationship with business, but he understood the importance of governance, substantially strengthening investor power with a vote on pay policy. Companies also now have to provide shareholders with a single figure for remuneration, which gives a breakdown of base pay, pension, bonus and so-called “long term incentive plans”. Unfortunately, although the data may be more available, it is often opaque and shrouded in financial and accounting jargon. But there is a more fundamental problem with executive pay at some listed companies. Executives at big firms, talented and hard-working as they certainly are, are not the same as entrepreneurs.

They have not taken the whole risk of the venture on themselves; they are instead extremely well-paid managers, at the company normally for a few years. Bob Dudley is one of the most experienced CEOs around, but when he was paid £14 million in a year his company, BP, made record losses, the public shook their heads in amazement. There is simply a disbelief among the public, and among many IoD members who run smaller businesses, that he would have done any better or worse a job if he’d been paid half as much. In their heart of hearts, many executives know this to be true. Suggestions to change how pay is set and published, alongside moves to give employees a bigger voice in the boardroom, will be met with resistance from the City old guard. They will be right to point out concerns about crude, kneejerk measures. Trying to force German-style co-determination on companies, for example, by creating extra tiers of governance for workers, would likely be disastrous. But resisting all reform would be sending a very strong signal to the public that corporate boards have either not noticed public antipathy to big business, or worse, don’t care. So when FTSE boards feel tempted to grumble at the appearance of the Government’s Green Paper, they should remember the words of  the ageing Don Fabrizio  in Giuseppe di Lampedusa’s novel, The Leopard: “If we want things to stay as they are, things will have to change”.

Simon Walker

The worst airline for delays – and what you’re owed if your trip is affected

Posted on by CCKeith in Uncategorized Comments Off on The worst airline for delays – and what you’re owed if your trip is affected


Flights get delayed all the time – but not all airlines are happy about paying up afterwards. These are the worst (and best) airlines when it comes to disrupted travel. Every day at this time of year, the UK’s airports help to ferry hundreds of thousands of British holidaymakers all around the world. And, while we all hope for a smooth start and end to our time away, sadly some peoples’ plans do get hit by late flights. In fact, recent research by consumer group Which? found that almost a quarter of flights out of UK airports are delayed by 15 minutes or more. But what happens if you are lumbered with a late flight? And who is going to sort you out most effectively if the worst happens?

That’s why I thought I’d go through your rights when your plane is delayed, and work out which airlines deal with their delays most effectively…

When can you claim?

There are 3 basic rules as to whether you’re entitled to compensation for a delays:

  1. The flight must be delayed by more than three hours, and the delay has to be compared to the time the flight is meant to arrive and not the time that it takes off (oh, and ‘arrival’ counts as the point at which the cabin crew open the doors… not when the plane touches down)
  2. The flight must take off from the UK or European Union. If it’s a long-haul flight into the UK/EU, it must be via a UK or European airline and the flight must be longer than 3,500km
  3. The issue must be ‘within the control of the airline’ (so bad weather or air-traffic control disputes are going to leave you without any compensation)

What you can claim for also has some fixed guidelines:

  • If the flight is less than 1,500km and the flight is more than three hours late, then you can claim €250
  • If the flight is between 1,500 and 3,000Km and the flight is more than three hours late, then you can claim €400
  • If the flight is more than 3,000km and leaving the EU, or is an EU airline flying into the UK and is between three and four hours late, then you could get back €300. (If it is more than four hours late, then you could expect up to €600.


But just because your flight delay should mean compensation, it doesn’t mean the airline will just hand it over.

Dealing with delays

Using unique insights from the tens of thousands of airline customers who raise their flight delay complaints via resolver.co.uk every month, I’ve looked at which airlines you’re most likely to complain about, and which will sort your issues out most effectively if you do…

The most commonly complained about airlines                                                                                                                   

  1. Ryanair
  2. British Airways
  3. Thomson Airways
  4. easyJet
  5. Thomas Cook Airlines
  6. Flybe
  7. Jet2
  8. Norwegian Air
  9. Vueling Airlines
  10.  Monarch

Of course, a lot of complaints, doesn’t mean a lot of unhappy people – so here are the satisfaction rankings (out of 10, where 10 is satisfied and 1 is very unsatisfied) too:

The best airlines at dealing with your delays

  1. Monarch 7
  2. British Airways 7
  3. Virgin Atlantic 7
  4. Thomson Airways 7
  5. Flybe 7
  6. KLM Royal Dutch 7
  7. Emirates 6
  8. Jet2 6
  9. Qatar Airways 6
  10. Air France 6

The worst airlines at dealing with your delays

  1. Vueling Airlines 4
  2. Turkish Airlines 4
  3. Norwegian Air 4
  4. Etihad Airways 5
  5. Wizz Air 5
  6. Lufthansa 5
  7. easyJet 5
  8. Ryanair 5
  9. American Airlines 5
  10. Delta Airlines 5


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