In this issue of ombudsman news we highlight some practical matters that could affect firms - and us - as a result of the Proceeds of Crime Act 2002.
We focus, too, on some of the complaints we have received about the "voluntary concessions" that firms sometimes make for their banking and mortgage customers. And we take a look at some of the travel insurance disputes that reach us, highlighting in particular:
We provide the usual wide-ranging round-up of recent investment-related complaints, and clarify the differences between "guaranteed income bonds" and "guaranteed capital bonds".
And finally, in ask ombudsman news we answer some recent queries from our readers.
ombudsman news gives general information on the position at the date of publication. It is not a definitive statement of the law, our approach or our procedure.
The illustrative case studies are based broadly on real-life cases, but are not precedents. Individual cases are decided on their own facts.