JEFF PRESTRIDGE: Finally... a tiny 有望な 位置／汚点／見つけ出す in the never-ending Neil Woodford 投資 スキャンダル

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Fallen hero: の近くにd 基金's boss Neil Woodford

The Woodford 投資 スキャンダル is like a sore that never 適切に 傷をいやす／和解させるs. Five years on from the 劇の (and 高くつく／犠牲の大きい) 終結 of the £3.7 billion 公正，普通株主権 Income 基金 run by Neil Woodford, the 財政上の 負傷させるs it （打撃，刑罰などを）与えるd upon 投資家s continue to weep.

In 最近の weeks, the 300,000 投資家s who had money 罠にかける in the 基金 when it was の近くにd in June 2019 have been dealt a 一連の blows (the 基金 was の近くにd because it could not 会合，会う a multi-million-続けざまに猛撃する redemption request from an institutional 投資家).

First, 投資家s have been fobbed off with what can only be 述べるd as the barest 最小限 of 補償（金） in a 取引，協定 struck between the regulator (the 財政上の 行為／行う 当局) and Link 基金 解答s (the 基金's overseer which failed to keep proper 跡をつける of what Woodford was 投資するing in).

Then, to rub salt into their already painful 財政上の 負傷させるs, many 投資家s who joined group 活動／戦闘s against Link have now been told that a sizeable chunk of their 補償（金） will be erode d by a mix of （人命などを）奪う，主張するs 管理／経営 料金s, 付加価値税, 保険 costs and 保険 賞与金 税金 (IPT).

As I 排他的に 報告（する）／憶測d earlier this month ? and The Times Money section flatteringly followed up eight days ago ? （人命などを）奪う，主張するs 管理／経営 company Harcus Parker has written to 投資家s who joined its group 活動／戦闘 telling them they could see more than half of their 補償（金） 吸収するd by 料金s. Leigh Day has also told members of its group 活動／戦闘 to 推定する／予想する 法案s.

Such 活動／戦闘s against Link （機の）カム to a 雷鳴ing 停止（させる） once the £230 million 是正する 計画／陰謀 was finalised. Some group members were left disappointed, believing the 活動／戦闘s 申し込む／申し出d the best 大勝する に向かって a fair 補償（金） 取引，協定.

But such 失望 pales into insignificance against the 乱暴／暴力を加える they now feel as （人命などを）奪う，主張するs companies 緊急発進する to cover their costs にもかかわらず 促進するing the group 活動／戦闘s on the basis of 'no 勝利，勝つ, no 料金'. As Ian Forbes, a member of the Harcus Parker （人命などを）奪う，主張する told me earlier this month: 'Harcus 約束d us proper 補償（金）, did not 配達する, and now wants a slice of a 是正する 支払い（額） that had nothing to do with them. I am appalled.' Ian has since emailed Harcus, 明言する／公表するing its 決定／判定勝ち（する） to 告発（する），告訴（する）／料金 （弁護士の）依頼人s is 'morally outrageous'.

Thankfully, not all organisers of group 活動／戦闘s against Link have sought to mitigate costs.

A few days ago, specialist litigation company RGL 確認するd that Woodford 投資家s who joined its group 活動／戦闘 against Link would not be 告発（する），告訴（する）／料金d a penny in 料金s. In explaining its 投資家-friendly 姿勢, director Michael Green said that 公正，普通株主権 Income 投資家s had '苦しむd enough at the 手渡すs of Woodford and more recently from the derisory Link 解決／入植地 申し込む／申し出d to them'.

Echoing the 感情s of Ian Forbes, Mr Green 追加するd: 'RGL played no part in the Link 計画／陰謀, so considers it fair not to 利益 from it.'

With Neil Woodford (直面するing possible 施行 活動／戦闘 from the regulator) rubbing 投資家s' noses in the sand with the 開始する，打ち上げる of a new blog (where he （人命などを）奪う，主張するs 'I am neither hero nor villain'), RGL's 決定／判定勝ち（する） to 扱う／治療する its 顧客s 公正に／かなり 代表するs a tiny 有望な 位置／汚点／見つけ出す in an 投資 スキャンダル that 反映するs 不正に on so many.

By 'many', I mean the regulator; Link; some of the （人命などを）奪う，主張するs 管理／経営 companies; 基金 壇・綱領・公約s who 促進するd Woodford as if he was an 投資 messiah; and a big chunk of the 財政上の マスコミ (me 含むd) who did not 調査（する） into the Woodford 公正，普通株主権 Income 基金 until it was too late.

And of course, let's not forget Neil Woodford ? 'neither hero nor villain'.

No excuse for these credit card 率 引き上げ（る）s?

刑罰の: An advert for Amex Gold

Credit card sleuth Peter 塀で囲む, a retired solicitor from Birmingham, has been in touch again. Earlier this year, he tipped me off about M&S Bank's 決定／判定勝ち（する） to 増加する the 利益／興味 率 on its credit card from 21.9 to 24.9 per cent, 効果的な from last month.

にもかかわらず base 率 having remained 直す／買収する，八百長をするd at 5.25 per cent since August last year, the bank 正当化するd the rise on the grounds of '増加するs in the Bank of England base 率 衝撃ing the cost of 申し込む／申し出ing credit to our 顧客s'.

What 増加するs? When he challenged M&S, it told him that the 率 rise was necessary to 確実にする its 製品s remained '維持できる'.

This time, Peter has been 接触するd by Barclaycard, telling him the 利益／興味 率 on his platinum credit card will rise from 19.4 per cent to 23.9 per cent on July 22. Unlike M&S, it has not せいにするd the need to do this to imaginary 増加するs in base 率. Instead, it says the 引き上げ（る） is a result of a 'review' of its credit card 製品s.

Peter believes card issuers have every 権利 to 増加する their 率s. What he finds intolerable is companies using words like '維持できる' and 'review' to explain away the 引き上げ（る）s.

The new 利益／興味 率s are not as 刑罰の as those 課すd by American 表明する. A reader kindly sent me a picture taken in London's 地下組織の of an advert for Amex Gold.

It gave the card's 代表者／国会議員 'a nnual 百分率 率' ? a rather 脅すing 88.8 per cent.

Hopes fading for funeral 計画（する） 基金?

With every month that goes by, the prospect of 顧客s getting 支援する anything other than a smidgin of their money from the 廃虚s of funeral 計画（する） provider 安全な 手渡すs 薄暗いs... and 薄暗いs. It is an awful 状況／情勢. 安全な 手渡すs 計画（する）s went into 行政 in spring 2022, leaving 46,000 顧客s in the lurch.

They had all bought funeral 計画（する）s from the Wakefield-based company on the （疑いを）晴らす understanding that in so doing their funerals would be paid for when the time （機の）カム.

Nothing could be その上の from the truth. While the money they paid to 安全な 手渡すs was meant to be ringfenced in a 信用 基金 and 投資するd wisely on their に代わって, the 最新の 進歩 報告（する）／憶測 from 行政官／管理者s FRP （a）忠告の／（n）警報 paints an altogether different picture.

Painstakingly, and at かなりの cost to 顧客s, FRP has been trying to 跡をつける 負かす／撃墜する some of these 資産s that were often 投資するd 沖合いの／海外の and in an array of obscure 財政上の 製品s.

Although it has had some successes ? realising £365,000 of 資産s in the six months to March 22 this year ? FRP 収容する／認めるs it is likely to 回復する no more than between £8.1million and £10.2million. （人命などを）奪う，主張するs against the 信用 (the cost of funerals 約束d) are 概算の at between £61million and £70million ? a return of just 11p and 17p in the 続けざまに猛撃する.

The Serious 詐欺 Office, 補助装置d by FRP, continues to 調査／捜査する what has gone on at 安全な 手渡すs.

I 信用 those individuals 責任がある this 財政上の travesty are held to account for their 活動／戦闘s ? sooner rather than later.