The Financial Services and Pensions Ombudsman (FSPO) upheld almost half of all complaints it formally investigated in 2019 issuing legally binding decisions in the banking, insurance and investment sectors.

There could well be birthday candles on the Christmas cake in Rachel Harte’s house from now on — as a happy reminder of the dramatic roadside birth of her baby girl Sienna on Christmas Day.

ONE evening, after a particularly infuriating day at work, I dialled an old friend as I left the office.