The right to deal with the estate of someone who’s died is called ‘Probate’. When someone dies, to gain the legal right to deal with the person’s Estate - their property, money and possessions - you may be able to apply for a ‘Grant of Representation’.

In a recent Which? investigation, some of the UK’s biggest banks were identified as failing to give the right advice when it comes to transferring and managing their Cash ISAs.

When I started making notes for this Bulletin at the beginning of March it was quite clear what the main ‘story’ was going to be.

Once upon a time it was all so simple. Nothing could be safer than the UK banks. They were the cornerstone of every fund manager’s income portfolio. Do you want to build your financial planning on shares that would protect you against market fluctuations and deliver a steadily increasing dividend income? Sober, well-run, cautious businesses that the rest of the world could learn from… Look no further than the UK banking system.