TCF is total waste

Q. If I did not treat my customers fairly I would not have any, so what's the Financial Service Authority's problem?

As an ex-broker myself, I can empathise, we have all done our best to keep the customers on board, year on year. I suspect that your curt and 'Mr Grumpy' question was fired off after seeing the bill for the office Christmas lunch!

Anyway, you need to know what is happening out there. The Financial Services Authority has said that it expects all firms to have their treating customers fairly procedures in place by March 2007, or they may take enforcement action.

Some of our clients have now been

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