Subscribe to BBC Your Money feed BBC Your Money
BBC News - Your Money
Updated: 1 hour 47 min ago

Retail sales bounce back in January after weak end to 2019

Thu, 20/02/2020 - 10:36
Post-Christmas sales helped retailers see their best growth since March, official figures show.

My Money: 'My husband and I have 90 minutes together each week'

Thu, 20/02/2020 - 00:25
As part of a new BBC blog series, Maura Hannon from Switzerland shares what she spent her money on this week.

New polymer £20 featuring painter Turner enters circulation

Thu, 20/02/2020 - 00:04
A new polymer £20 banknote featuring artist JMW Turner starts to appear in ATMs on Thursday.

No-fault evictions: 'Our lives are falling apart'

Thu, 20/02/2020 - 00:02
Becky Palmer and her family were given two months to leave a home they had rented for 12 years.

'Vegans need their own shelf in the office fridge'

Wed, 19/02/2020 - 11:16
The Vegan Society has issued guidelines to "help employers accommodate the needs of vegans".

Fuel prices push UK inflation to six-month high

Wed, 19/02/2020 - 11:13
The Consumer Prices Index rose to 1.8%, but remains below the Bank of England's 2% target.

UK house prices rising fastest in Yorkshire and Humber

Wed, 19/02/2020 - 11:06
House prices climbed 3.9% in Yorkshire and Humber last year, but just 1.2% in the South East.

UK's cash system 'will collapse without new laws'

Wed, 19/02/2020 - 00:02
British bank notes and coins could disappear much earlier than expected, campaigners warn.

UK Budget date kept at 11 March

Tue, 18/02/2020 - 10:04
Chancellor Rishi Sunak promises to "crack on" with delivering the government's election promises.

Regular savers tempted with cash prizes

Tue, 18/02/2020 - 00:01
Nationwide is offering a prize draw to lure savers, but would it be better to choose higher rates?

Moneybarn fined £3m for treating borrowers badly

Mon, 17/02/2020 - 12:25
Provident Financial's car finance firm is fined for not being fair with customers in debt.

Amazon: Suspect child car seats found for sale on its store again

Mon, 17/02/2020 - 05:37
Trading standards officers are probing the products, which Amazon has now removed from sale.

Budget may be delayed, says Transport Secretary Grant Shapps

Sun, 16/02/2020 - 11:25
Grant Shapps says the new chancellor, Rishi Sunak, needs "a few days to decide on the date".

'I want to build a house but I can't get a plot'

Fri, 14/02/2020 - 22:33
Campaigners say some councils in England are thwarting a law designed to make it easier to build your own home.

Pound boost for late winter holidaymakers

Fri, 14/02/2020 - 12:36
Sterling is close to its highest level against the euro since the immediate aftermath of the EU referendum.

Consumer contract changes 'could save customers money'

Fri, 14/02/2020 - 07:54
Internet, pay-TV and phone customers will now be offered the best deals when their contracts end.

Dating website 'scammed me out of hundreds of pounds'

Fri, 14/02/2020 - 00:41
Sacha Cowlam says a dating website charged her £270 without her knowledge or permission.

'New year bounce' for UK housing market

Thu, 13/02/2020 - 11:06
The number of people looking to buy a home increased, as did the amount of homes put up for sale, RICS says.

'My court record only emerged when I got a job'

Wed, 12/02/2020 - 23:58
The number of people in their 20s with county court judgements against them has risen sharply in the last year.

Automatic compensation for energy switch errors

Tue, 11/02/2020 - 23:59
Victims of switching mistakes will be paid £30 automatically under the new scheme which starts in May.

Pages

Southern Financial Services Ltd t/a LAfinancial was established in 1995

Southern Financial Services Ltd is authorised and regulated by the Financial Conduct Authority (www.fca.org.uk). FCA Registration No: 174623

The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, offshore investments or school fees planning.

The information contained within this site is subject to the UK regulation regime and is therefore targeted at consumers based in the UK only.

In the event of any complaint about the advice you receive or a product you have bought, please write to The Compliance Manager, LAfinancial, Russell House, Oxford Road, Bournemouth, BH8 8EX. Tel: 01202 786199. Following that, in the unlikely event that we are unable to settle a complaint, you may be able to refer it to the Financial Ombudsman Service (FOS). Full details of the FOS can be found on it’s website at www.financial-ombudsman.org.uk.

Disclaimer:  This website is designed to provide you with general information only and does not attempt to give you advice on any particular investment or to recommend any particular investment to you. If you have any doubt as to whether a particular investment is suitable for you, you should contact Southern Financial Services Ltd for advice.

Please read our Privacy Statement before completing any enquiry form or before sending an email to us.

Southern Financial Services Ltd
Registered Address:
Russell House
Oxford Road
Bournemouth
Dorset
BH8 8EX

Registered in England & Wales, No. 3058638 Neither Southern Financial Services Ltd nor its representatives can be held responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

Customer Privacy Notice

Why should you read this document?

During the course of dealing with us, we will ask you to provide us with detailed personal information relating to your existing circumstances, your financial situation and, in some cases, your health and family health history (Your Personal Data). This document is important as it allows us to explain to you what we will need to do with Your Personal Data, and the various rights you have in relation to Your Personal Data.
What do we mean by “Your Personal Data”?

Your Personal Data means any information that describes or relates to your personal circumstances. Your Personal Data may identify you directly, for example your name, address, date or birth, National Insurance number. Your Personal Data may also identify you indirectly, for example, your employment situation, your physical and mental health history, or any other information that could be associated with your cultural or social identity.
In the context of providing you with assistance in relation to your investment requirements, your Personal Data may include:
• Title, names, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity
• Employment and remuneration information, (including salary/bonus schemes/overtime/sick pay/other benefits), employment history
• Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents
• Health status and history, details of treatment and prognosis, medical reports (further details are provided below specifically with regard to the processing we may undertake in relation to this type of information)
• Any pre-existing investment products and the terms and conditions relating to these
The basis upon which our Firm will deal with Your Personal Data

When we speak with you about your investment requirements we do so on the basis that both parties are entering a contract for the supply of services.
In order to perform that contract, and to arrange the products you require, we have the right to use Your Personal Data for the purposes detailed below.

Alternatively, either in the course of initial discussions with you or when the contract between us has come to an end for whatever reason, we have the right to use Your Personal Data provided it is in our legitimate business interest to do so and your rights are not affected. For example, we may need to respond to requests from mortgage lenders, insurance providers and our Compliance Service Provider relating to the advice we have given to you, or to make contact with you to seek feedback on the service you received.
On occasion, we will use Your Personal data for contractual responsibilities we may owe our regulator The Financial Conduct Authority, or for wider compliance with any legal or regulatory obligation to which we might be subject. In such circumstances, we would be processing Your Personal Data in order to meet a legal, compliance or other regulatory obligation to which we are subject.
The basis upon which we will process certain parts of Your Personal Data

Where you ask us to assist you with for example your insurance needs, in particular life insurance and insurance that may assist you in the event of an accident or illness, we will ask you information about your ethnic origin, your health and medical history (Your Special Data). We will record and use Your Special Data in order to make enquiries of insurance providers in relation to insurance products that may meet your needs and to provide you with advice regarding the suitability of any product that may be available to you.
If you have parental responsibility for children under the age of 13, it is also very likely that we will record information on our systems that relates to those children and potentially, to their Special Data.
The arrangement of certain types of insurance may involve disclosure by you to us of information relating to historic or current criminal convictions or offences (together “Criminal Disclosures”). This is relevant to insurance related activities such as underwriting, claims and fraud management.
We will use special Data and any Criminal Disclosures in the same way as Your Personal Data generally, as set out in this Privacy Notice.
Information on Special Category Data and Criminal Disclosures must be capable of being exchanged freely between insurance intermediaries such as our Firm, and insurance providers, to enable customers to secure the important insurance protection that their needs require.
How do we collect Your Personal Data?

We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to investments. You will provide information to us verbally and in writing, including email.

We may also obtain some information from third parties, for example, credit checks, information from your employer, and searches of information in the public domain such as the voters roll. If we use technology solutions to assist in the collection of Your Personal Data for example software that is able to verify your credit status. We will only do this if we have consent from you for us or our nominated processor to access your information in this manner. With regards to electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.
What happens to Your Personal Data when it is disclosed to us?

In the course of handling Your Personal Data, we will:
• Record and store Your Personal Data in our paper files, mobile devices and on our computer systems (websites, email, CD and hard drives). This information can only be accessed by employees and consultants within our Firm and only when it is necessary to provide our service to you and to perform any administration tasks associated with or incidental to that service
• Submit Your Personal Data to Product Providers both in paper form and on-line via a secure portal. The provision of this information to a third party is essential in allowing us to progress any enquiry or application made on your behalf and to deal with any additional questions or administrative issues that lenders and providers may raise.
• Use Your Personal Data for the purposes of responding to any queries you may have in relation to any investment product you may take out, or to inform you of any developments in relation to those products and/or polices of which we might become aware
Sharing Your Personal Data

From time to time Your Personal Data will be shared with:
• Investment Providers
• Third parties who we believe will be able to assist us with your enquiry or application, or who are able to support your needs as identified. These third parties will include but may not be limited to, our Compliance Advisers, Product specialists, estate agents, providers of legal services such as estate planners, conveyancing, surveyors and valuers (in each case where we believe this to be required due to your particular circumstances).
In each case, your Personal Data will only be shared for the purposes set out in this customer privacy notice, i.e. to progress your investment enquiry and to provide you with our professional services.
Please note that this sharing of Your Personal Data does not entitle such third parties to send you marketing or promotional messages: it is shared to ensure we can adequately fulfil our responsibilities to you, and as otherwise set out in this Customer Privacy Notice.
Security and retention of Your Personal Data

Your privacy is important to us and we will keep Your Personal Data secure in accordance with our legal responsibilities. We will take reasonable steps to safeguard Your Personal Data against it being accessed unlawfully or maliciously by a third party.
We also expect you to take reasonable steps to safeguard your own privacy when transferring information to us, such as not sending confidential information over unprotected email, ensuring email attachments are password protected or encrypted and only using secure methods of postage when original documentation is being sent to us.
Your Personal Data will be retained by us either electronically or in paper format for a minimum of six years, or in instances whereby we have legal right to such information we will retain records indefinitely.
Your rights in relation to Your Personal Data

You can:
• request copies of Your Personal Data that is under our control
• ask us to further explain how we use Your Personal Data
• ask us to correct, delete or require us to restrict or stop using Your Personal Data (details as to the extent to which we can do this will be provided at the time of any such request)
• ask us to send an electronic copy of Your Personal Data to another organisation should you wish
• change the basis of any consent you may have provided to enable us to market to you in the future (including withdrawing any consent in its entirety)

How to make contact with our Firm in relation to the use of Your Personal Data

If you have any questions or comments about this document, or wish to make contact in order to exercise any of your rights set out within it please contact:
John Owen – Managing Director
If we feel we have a legal right not to deal with your request, or to action, it in different way to how you have requested, we will inform you of this at the time.
You should also make contact with us as soon as possible on you becoming aware of any unauthorised disclosure of Your Personal Data, so that we may investigate and fulfil our own regulatory obligations.
If you have any concerns or complaints as to how we have handled Your Personal Data you may lodge a complaint with the UK's data protection regulator, the ICO, who can be contacted through their website at https://ico.org.uk/global/contact-us/ or by writing to Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

Data Subject Consent Form

I hereby grant Southern Financial Services Limited to process my personal data for the purpose stated in the Privacy statement above.

Signed:

Print Name:

Date:

Request actioned:

Individual Responsible

Date:

Marketing Consent
I, hereby grant Southern Financial Services Limited to process my personal data for the purpose of Marketing. By providing your consent, you agree that you have given your express permission for us to market you regarding products and services that we think may be of interest to you and by any means of communication that is suitable at the time.

IMPORTANT NOTES: Marketing by our Firm
If you do not indicate your agreement for us to make contact with you, we may be unable to provide you with details of products and/or services that may suit your needs and circumstances.
We would like to maintain a record of your express consent for us to contact you by post, telephone, SMS, email and instant messaging for marketing our products or services that we think may be of interest to you. Please indicate your consent to us contacting you by any of the means specified below:

Post Phone SMS Email Instant Messaging*
*Whatsapp or similar service.

Signature: Date: