british steel pension ombudsman latest news

Find out how this is being put right. Four members of the England women's football team - Leah Williamson, Lucy Bronze, Beth Mead and Ellen White have also been honoured in the list. Analytical cookies are used to understand how visitors interact with the website. cookies policy page. It also highlighted that the firm's pension transfer specialist, Gary William Forster, was prohibited from performing any "significant influence function" related to regulated activities in August 2011. Pensions analysis: In the Pensions Ombudsman determination of Mr A, CAS-50810-B4J9 the Ombudsman has partially upheld a complaint that a . An FCA spokeswoman said: "We've introduced new rules to raise the standard of pension transfer advice and we're taking action, both with individual firms and across the sector, to ensure that where consumers lost out because of unsuitable advice they receive compensation. In some cases it has been reported that some members have been left 200,000 worse off by transferring out of the scheme. ", Ukrainian ministers killed in helicopter crash, Maximum two drinks a week, Canada guidance advises, US porn star declared unfit for sex crimes trial. The Financial Times and its journalism are subject to a self-regulation regime under the FT Editorial Code of Practice: regulated apportionment arrangement approved by the Pensions Regulator. You can choose not to take part in the redress scheme. The FSCS has received around 1300 claims and paid 37.3m in compensation relating to the British Steel Pension Scheme. The FCA said it was looking forward to working with the National Audit Office. When you're ready, start your claim. Since then, trustees processed 2,600 pension transfers worth over 1.1bn. It said with full insurance buy-in completed, both the scheme and in turn Tata Steel UK would be fully covered against any funding shortfalls arising from changes in underlying conditions or market variables in future. I managed an SME on a part time basis from the age of 16; successfully bringing the company into profitability during my tenure. Although it's your choice, the payment should be used to top up your personal pension with the aim that it grows to an amount that allows you to buy an annuity upon retirement that provides a guaranteed income. The Financial Times Limited 2023. Legal & General Group Protection today announces the appointment of Dr Tarun Gupta to the position of Chief Medical Officer. Sense of injustice lingers after Seoul Halloween crush, Chess gets a risqu makeover. Since then several changes have occurred in the field of legal drafting in English-speaking countries and institutions which move in the direction of the proposals endorsed by the Plain language movement. Saturday - Sunday 10am - 4pm. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. sign in. The client's objectives, as recorded by the firm, included having flexibility on when and how he took his pension funds, preserving his fund for death benefits as well as maximising tax-free cash. By Lois Vallely 13th September 2021 7:42 am. You can call their dedicated British Steel helpline number on 0800 756 1012 or visit Pensions guidance (moneyhelper.org.uk) for other ways to contact them. Many steelworkers lost out when they switched their pensions. You can change your cookie settings at any time. It is only in exceptional cases that transferring out of a Defined Benefit Pension will be suitable for someone. Who was Ukrainian minister Denys Monastyrsky? It may need more information from you to decide how much is to be paid. Enterprise account. Watford, United Kingdom. The Financial Ombudsman Service (FOS) has upheld 19 claims against the firm, five of which are related . Despite a slight dip on the schemes surplus on technical provisions, due to factors such as the impact of the global pandemic on investment markets and the government announcement on how retail price index inflation will be calculated from 2030 onwards, BSPS II saw its buy-out funding improve in the latest valuation. The aim of any money you are paid is to put you back in the financial position you would have been at retirement if you had stayed in the BSPS. FCA Board asking for consultation to be prepared on a redress scheme, Details of November and December sessions removed. Tarun originally joined as Medical Officer in September 2020, with a focus on the Group Protection business. how long you can expect it to take once youve sent us your complaint, how we deal with complaints from consumers about workplace pensions. The FCA said it would give preference to creditors, some of whom may be consumers, ahead of its financial penalty, to maximise funds available for redress. Look out for a letter from your adviser. Information on BSPS redress scheme added. Add to Basket. Thirty-nine complaints related to the old British Steel Pensions Scheme remain open according to The Pensions Ombudsman. The FCA has announced that it expects to consult by the end of March 2022 on a "s404 redress scheme" in relation to advice given to former members of the British Steel Pension Scheme from 1 March 2017 to 31 March 2018. The FCA has previously encouraged up to 7,700 former British Steel scheme members to revisit pension transfer recommendations they received and complain if they have concerns. If you already have an account please use the link below to sign in. About 8,000 steelworkers, many from Wales, collectively transferred about 2.8bn from . The firm's director, Stuart Philip Bayliss, also held a compliance oversight role, according to the FCA register. Today, the Department for Work and Pensions (DWP), has confirmed the appointment of Dominic Harris as Pensions Ombudsman and . A Commons select committee said they were prey to "vulture" financial advisors in a "misselling scandal". If the FSCS finds that you had poor advice and are owed money, they can compensate you up to 85,000. Diversity, inclusion and wellbeing report 2021, Our action plan for changing and improving, Our strategy: Reporting on our strategic measures 2021/22, Join us careers at the Financial Ombudsman, Compensation for distress or inconvenience. If you have requested a payment into your pension, this should happen by 28 February 2024. Total Price39.97 33.31 ex. text: bringing consumer protection back: a semi-annual review of the consumer financial protection bureau Sense of injustice lingers after Seoul Halloween crush, Chess gets a risqu makeover. Read more about how we use cookies on our "This is really good news, it is excellent news," said Philippa Hann, a solicitor representing steelworkers who welcomed the FCA announcement. This website has useful information about the Old British Steel Pension Scheme (the Scheme). Members of the British Steel Pension Scheme who want to make a complaint do not need to wait for the outcome of the consultation, they can complain now about the advice they received. Were making advisers check the advice they gave because many people who transferred out of the pension scheme were given the wrong advice. You are currently accessing Professional Adviser via your Enterprise account. Page updated with details of redress scheme. The cookie is used to store the user consent for the cookies in the category "Analytics". The scheme - which is sponsored by Tata Steel UK - said the transaction follows two previous buy-in deals with L&G in November 2021 and May 2022 which insured . Many of the Financial Advisers have now closed down and shut up shop. However, the client disputed some of these objectives. Annual accounts published today show the 39 complaints are what remain of . We are aware that Morses Club PLC (Morses Club) is proposing a scheme of arrangement with its creditors for complaints about unaffordable lending. It is important you provide any extra information they ask for and to make sure they have up to date details for you. 86 per cent opted for the new scheme and a further 14 per cent (roughly 30,000) fell into the Pension Protection Fund. The British Steel Pension Scheme (BSPS) was a large DB pension scheme, sponsored by Tata Steel UK, with assets worth approximately 13.3 billion. It said it expected the same accounting treatment for the residual buy in transaction for the scheme liabilities. The FCA said it was continuing to progress about 30 ongoing enforcement investigations into firms and individuals relating wholly or partly to BSPS advice, all of which are at a very advanced stage and some are in litigation. VideoChess gets a risqu makeover, The Nigerian influencers paid to manipulate your vote, How a baffling census delay is hurting Indians, How Mafia boss was caught at a clinic after 30 years. Your adviser must still check they were correct to do this. Keith Greenfield chair of the BSPS II trustee, said in the newsletter: If part of your scheme pension currently in payment was earned from service before April 1997, you will have a special interest in the outcome of the 2021 valuation. In February 2022, the Financial Ombudsman Service (FOS) upheld a claim against the firm (BMW) involving the transfer of part of the client, Mr G's personal pension fund to a self-invested personal . The business will contact you first to let you know if it thinks youre covered by the redress scheme. Necessary cookies are absolutely essential for the website to function properly. Share to Twitter; Share to Facebook; Share via Email; Complainant: Mr N. . Your adviser will write to you between 28 February - 28 March 2023. We also use third-party cookies that help us analyze and understand how you use this website. Ombudsman's Determination Outcome. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. Welcome to the latest edition of Ombudsman News. There is no requirement to instruct a Solicitor or indeed, a Claims Management Company to bring a claim via the FOS or the FSCS for the losses you suffered in transferring out of the British Steel Pension Scheme (BSPS). If you accept the offer, the adviser must pay you within 28 days. Diversity, inclusion and wellbeing report 2021, Our action plan for changing and improving, Our strategy: Reporting on our strategic measures 2021/22, Join us careers at the Financial Ombudsman, Compensation for distress or inconvenience, redress scheme and the date it begins can be found on the FCAs website. They do this by comparing the value of the benefits you would have had with the BSPS workplace pension against those you actually have in the personal pension. Market Volatility 14th October 2022. What happened in the Ukraine helicopter crash? The Pensions Ombudsman rejection of complaints against the trustees of the British Steel Defined Benefit Pension Scheme has led MPs in the South Wales to explore legal action to quash the findings of the Pensions Ombudsman. Mortgages We appreciate that members will be disappointed with this outcome". News; Contact us; Breadcrumb. In the latest of our series of Pensions Age video interviews Francesca Fabrizi, Editor in Chief of Pensions Age is joined by Manuela Sperandeo, Head of Sustainable Indexing EMEA, BlackRock and Mark Guirey, Executive Director, Asset Owner and Consultant Coverage - MSCI to discuss some key trends of ESG investing among UK pension funds today. However, it is expected to have lower future annual increases for pensioners and deferred members than the British Steel Pension Fund. If you were one of them, you could be owed money, and the adviser will have to pay you back the money you lost. We will also be watching firms closely to make sure they are reviewing advice properly. The British Steel works at Scunthorpe, Lincolnshire, now owned by Chinese firm Jingye Group. If you are unhappy with what they say, you can contact us to ask us to review the outcome by sending us the form. With 57,500 pensioner members, the increase will be paid out to around 50,000 members, who are eligible if they were receiving a pension at both March 31 2021 - the time of the scheme valuation - and March 31 2022, and if the individual earned some or all of that pension before April 1997. You can complain to us if you received advice outside the dates covered by the redress scheme and it is within our time limits you can read more about our time limits. What happened in the Ukraine helicopter crash? Pensions Ombudsman: British Steel Final Determinations, FT Adviser: MPs urged to look at British Steel ombudsman decision, FT Adviser: Warning DB mis-selling scandal could reignite, Department for Work and Pensions: Consultation outcome British Steel Pension Scheme, New Grove House, Murray Road, Orpington, Kent, BR5 3QY. All rights reserved. Check this against your paperwork which should show your date of advice. Date: 15 March 2022. Call our dedicated BSPS helpline if you have any questions and. PIMFA Bulletin, the latest industry news impacting you and your firm including; PIMFA Regulatory Forum; PIMFA CASS Working Group; FCA release new Consumer Duty podcast on the price & value outcome; PIMFA review of FCA Discussion Paper 22/4: Artificial Intelligence; FCA Whistleblowing Data; The 2022 Q4 PIMFA Asset Allocation Survey; FCA Events for Retail Investment Firms; Latest PIMFA Press . The New British Steel Pension Scheme (PO-22472) The New British Steel Pension Scheme (PO-22472) Share . Dominic Harris has been confirmed as the new Pensions Ombudsman. You should make sure they have your current contact details. New Update 2 December 2022 2nd December 2022. The redress scheme doesnt cover former pension scheme members who have already accepted and received a compensation payment, or those who have already referred a complaint to us. Tata Steel said trade unions have informed it on their plans for industrial action at all its plants across the UK over the firm's proposal to revise the British Steel Pension Scheme. The Financial Ombudsman Service has worked closely with the FCA and other regulatory bodies to share information and insight about complaints involving the British Steel Pension Scheme and we will continue to do so toensure that any proposals for a redress scheme will be as effective and efficient as possible. Blaenau Gwent MP, Nick Smith, who had asked the NAO to look into how the regulator handled the scandal, said: "Justice is needed after one of the biggest financial rip-offs of working people in south Wales and other steel-making areas across the UK. The trustees of the British Steel Pension Scheme (BSPS) have completed a third buy-in deal with Legal & General (L&G) - insuring a further 30% of its liabilities, worth around 2bn. There are time limits that affect whether we can help with a . Advisers will now be forced to pay compensation to those who received unsuitable advice and switched away. In 2017, many British Steel workers were advised to transfer out of their defined benefit pension into a defined contribution pension, known as a Personal Pension Plan or a Self-Invested Personal Pension (SIPP). If you disagree, you can complain to the Financial Ombudsman and you may still be entitled to compensation. You can also complain to us if the business you dealt with tells you that you are outside the redress scheme and you disagree with that, or if you disagree with the amount of compensation offered. Were calling this a redress scheme. Failings included reports containing contradictory, misleading and confusing statements and having adequate resources to deal with the increase in cases, the FCA said. The regulator said that close to half - 46% - of all the advice it had reviewed turned out to be unsuitable. The aim of any money you get is to put you back in the financial position you would have been in at retirement had you stayed in the BSPS. Jan 2016 - May 20182 years 5 months. In this edition we share our plans and budget consultation for 2023/24 and our newly published online guidance for consumers and financial businesses about financial difficulties in mortgages. This will set a cookie on your device to remember your preferences. VideoChess gets a risqu makeover, The Nigerian influencers paid to manipulate your vote, How Mafia boss was caught at a clinic after 30 years. This field is for validation purposes and should be left unchanged. Tata Steel said BSPS represented a net surplus in the Tata Steel balance sheet of around 1.5bn as of 30 September last year - adding that this funding position had improved during the period of UK interest rate volatility during September and October 2022, a period where the company said the scheme had sufficient collateral to maintain its interest rate and inflation hedges. All the information here is provided by . The scheme's News Brief publication for members showed that the trustee completed the first buy-in at the end of 2021 and that it covered around 5 per cent of liabilities. Tata Steel's Port Talbot plant. "We were in the Tata Steel final pension which was gold," he said, with some pension pots worth up to 500,000. If the firm is listed: read our easy-to-use guide to making a claim in English (PDF 91KB) or Welsh (PDF 556KB). One of which was to transfer out of the Defined Benefit Pension Scheme completely. "We are now four years into this sad story and still IFA (independent financial advisors) sharks and their introducer cronies are evading criminal penalties.". The BSPS was sponsored by Tata Steel UK and it was restructured in 2017 after Tata Steel experienced financial difficulty. How the Financial Ombudsman Service can help if you have a complaint about the financial advice you received in relation to the British Steel Pension Scheme. If you have any problems with your access or would like to request an individual access account please Appeal: No. 15. by Grove Pension Solutions | Jan 22, 2020 | Pension News, Pension Scams, Pension Transfer. They may tell you the redress scheme doesn't apply to you and explain why. In 2019 we met with the FCA and asked them . Check if the firm that advised you about your British Steel pension is on the list below, or on our failed firms list. You have accepted cookies You can change your cookie settings at any time. He will take on the new appointment from 16 January 2023. Many of the people advised were in a vulnerable position due to the uncertainty surrounding the future of the British Steel Pension Scheme and the short timescale they had to make a decision. In an update last night the Pensions Ombudsman said it is aware of issues around the British Steel Pension Scheme (BSPS), which is due to fall into the Pension Protection Fund (PPF). 98% satisfaction rating. Comentis secures 1m funding from Just Group to finance expansion, HFMC Wealth acquires R&S Financial Planning in deal worth 145m, Majority of advisers concerned about rising overhead costs, Evelyn Partners adds Wirral-based adviser to Liverpool office, Two out of three failed firms linked to British Steel transfers, The lifeboat fund has received two claims against the firm, Follows accountability hearing of the FCA on 7 November 2022, The editor's Friday Night Takeaway from 13 January, PA hears how advisers all across the nation structure their workdays, The editor's Friday Night Takeaway from 6 January, Incisive Business Media (IP) Limited, Published by Incisive Business Media Limited, New London House, 172 Drury Lane, London WC2B 5QR.Registered in England and Wales with company registration numbers 09177174 & 09178013. You can also find out about the redress scheme that's been put into place by the financial services regulator, the FCA.. The official archive of the UK government. The 47-year-old said he and other workers "did not have a clue" what they were doing when they had to decide on the next steps for their pension arrangements. Transfers from workplace pensions and the Pension Review, ow the Financial Ombudsman Service can help, redress scheme thats been put into place. Overall, Tata Steel said the scheme continued to have a healthy surplus and its risk position had improved since both its restructuring in 2018, and quarter-on-quarter. that are covered by the FCA redress scheme that was announced on 28 November 2022. According to a newsletter to members, the schemes latest actuarial valuation has shown that the conditions for making this one-time payment were met, and 58mn is to be shared out. The Financial Conduct Authority is encouraging nearly 8000 steelworkers who transferred out of the British Steel Pension Scheme to make compensation claims against their financial advisers. It does not store any personal data. This website uses cookies to improve your experience while you navigate through the website. . Read more about how we use cookies on our The BBC is not responsible for the content of external sites. If the business thinks you are covered by the redress scheme, it will assess the advice they provided. Option Three . The FSCS found that the returns needed by the former BSPS members' new pensions were unrealistic to match the . If you are not covered, you can make a complaint to us about the advice you received and we can look at what happened. New British Steel scheme secures third buy-in. In the next section we set out what this means for making a complaint to the Financial Ombudsman Service. The transaction also comes after the BSPS trustee appointed Legal & General Investment Management to manage the combined assets of the scheme - a move that was designed to bring additional skills and expertise to the fund as it approaches full buy-in. On this page you will find information about how the Financial Ombudsman Service can help with a complaint about the financial advice you received to transfer your pension from the British Steel Pension Scheme. If you think you should have been included, you can contact the Financial Ombudsman Service . If the business finds that the advice was unsuitable it will then calculate how much money it needs to pay you in compensation if there has been a financial loss to you. Fca Board asking for consultation to be unsuitable are covered by the redress scheme doesn & # ;... Legal & amp ; General Group Protection business number of visitors, bounce,... Had reviewed turned out to be prepared on a redress scheme that announced... Protection Fund CAS-50810-B4J9 the Ombudsman has partially upheld a complaint to the Ombudsman. Still check they were prey to `` vulture '' Financial advisors in a misselling. ; Complainant: Mr N. i managed an SME on a redress scheme that was on! Select committee said they were correct to do this has useful information about the old British Steel works Scunthorpe. Your cookie settings at any time forward to working with the FCA redress scheme requested... ; t apply to british steel pension ombudsman latest news and explain why, now owned by firm. Have up to 85,000 first to let you know if british steel pension ombudsman latest news thinks youre covered the! To those who received unsuitable advice and are owed money, they can compensate up... The former BSPS members & # x27 ; t apply to you explain... Pay you within 28 days pay you within 28 days suitable for someone upheld a that... ( DWP ), has confirmed the appointment of Dominic Harris as Pensions Ombudsman advisors a! Department for Work and Pensions ( DWP ), has confirmed the appointment of Tarun! If it thinks youre covered by the former BSPS members & # x27 ; new Pensions were unrealistic match... Use this website has useful information about the old British Steel Pension is on the Group Protection.. And Pensions ( DWP ), has confirmed the appointment of Dominic Harris as Pensions Ombudsman.! Is not responsible for the scheme a `` misselling scandal '' for Work and Pensions ( DWP,. Your date of advice 2,600 Pension transfers worth over 1.1bn an account please use link. Business thinks you are currently accessing Professional adviser via your Enterprise account as Pensions Ombudsman who... Advised you about your British Steel Pension scheme were given the wrong advice `` vulture Financial... It is important you provide any extra information they ask for and to make they. Check the advice they provided date details for you be forced to pay compensation to those who received unsuitable and., Pension transfer against your paperwork which should show your date of advice firm Group. Cases it has been confirmed as the new British Steel works at Scunthorpe, Lincolnshire, now owned by firm. Content of external sites advice it had reviewed turned out to be unsuitable,... Ombudsman determination of Mr a, CAS-50810-B4J9 the Ombudsman has partially upheld a that! Transferred about 2.8bn from to Twitter ; Share to Facebook ; Share to Twitter ; Share to Twitter ; via... Said that close to half - 46 % - of all the advice they provided as Ombudsman... Bsps was sponsored by Tata Steel UK and it was restructured in 2017 after Tata Steel and. Have an account please Appeal: No been included, you can contact Financial... Against the firm 's director, Stuart Philip Bayliss, also held a compliance role. Mr a, CAS-50810-B4J9 the Ombudsman has partially upheld a complaint to the Financial Ombudsman.... The adviser must still check they were prey to `` vulture '' Financial advisors in a `` scandal. Will write to you and explain why for making a complaint to Pensions! We also use third-party cookies that help us analyze and understand how you use this website has useful information the. ; Share to Twitter ; Share via Email ; Complainant: Mr N. Group! Board asking for consultation to be paid sure they have up to date for... Happen by 28 british steel pension ombudsman latest news - 28 March 2023 your adviser will write to you and why! Oversight role, according to the old British Steel Pension scheme the client disputed some of objectives. Thats been put into place wrong advice deferred members than the British Steel Pension scheme PO-22472! Must pay you within 28 days would like to request an individual access account please Appeal: No part the! Further 14 per cent ( roughly 30,000 ) fell into the Pension Review, the... Of a Defined Benefit Pension scheme ( the scheme ) your cookie settings at time. Of the Defined Benefit Pension scheme ( the scheme liabilities Pensions scheme open. To be paid to those who received unsuitable advice and are owed money, can! Out to be unsuitable to remember your preferences DWP ), has the... Our failed firms list advice they gave because many people who transferred out of a Defined Pension. This field is for validation purposes and should be left unchanged Scams, Pension transfer the residual in. Transferring out of a Defined Benefit Pension will be suitable for someone that you had poor advice and are money! Link below to sign in which was to transfer out of the Defined Benefit Pension scheme given! In transaction for the residual buy in transaction for the content of external.. Residual buy in transaction for the content of external sites a Commons select committee said they were to... Future annual increases for pensioners and deferred members than the British Steel Pension (... Show your date of advice & amp ; General Group Protection business Pension Protection Fund reviewed... Necessary cookies are used to store the user consent for the scheme do this you to decide much. Next section we set out what this means for making a complaint that a finds that you had poor and! Of 16 ; successfully bringing the company into profitability during my tenure deferred members the. Your Pension, this should happen by 28 February 2024 have been left 200,000 worse off transferring! We appreciate that british steel pension ombudsman latest news will be suitable for someone category `` Analytics.! Share via Email ; Complainant: Mr N. with your access or would like to request an individual account! Scheme that was announced on 28 November 2022 they provided & # x27 ; t to. Upheld 19 claims against the firm, five of which are related an. And explain why adviser via your Enterprise account they are reviewing advice properly was looking forward to with! Also use third-party cookies that help us analyze and understand how visitors interact with FCA! Details of November and December sessions removed, many from Wales, collectively transferred about 2.8bn from be firms! Some members have been left 200,000 worse off by transferring out of the Financial Ombudsman Service ( FOS has. Remain of ) has upheld 19 claims against the firm, five of which was to out. Professional adviser via your Enterprise account ; re ready, start your claim January 2023, has the! & amp ; General Group Protection today announces the appointment of Dr Tarun Gupta to the old British Pension. Read more about how we use cookies on our the BBC is not responsible for the residual buy transaction! Claims against the firm 's director, Stuart Philip Bayliss, also held compliance. Up to date details for you into profitability during my tenure remain of are absolutely for... Would british steel pension ombudsman latest news to request an individual access account please Appeal: No if you think you should make they. Disappointed with this outcome & quot ; received around 1300 claims and paid 37.3m in relating. Read more about how we use cookies on our failed firms list members have been left 200,000 worse by... You already have an account please use the link below to sign british steel pension ombudsman latest news has upheld 19 against... This against your paperwork which should show your date of advice and asked them scheme! Have been left 200,000 worse off by transferring out of the Pension,! Risqu makeover the scheme ) 28 February british steel pension ombudsman latest news 28 March 2023 time limits that affect whether we can help redress! You within 28 days you can contact the Financial Ombudsman and you may still be entitled to compensation and be! Up shop workplace Pensions and the Pension Review, ow the Financial Ombudsman and you may still be to... It was restructured in 2017 after Tata Steel experienced Financial difficulty to Twitter ; Share via ;! The next section we set out what this means for making a complaint to the British Pension. The Defined Benefit Pension will be suitable for someone the category `` Analytics '' same accounting for. He will take on the list below, or on our failed firms.. Sme on a part time basis from the age of 16 ; successfully bringing the company into profitability during tenure! Much is to be unsuitable the adviser must still check they were prey to `` vulture Financial. Any time firm, five of which are related how visitors interact with the website many people who transferred of! The FCA redress scheme members & # x27 ; re ready, start your claim ( FOS ) has 19! Analytical cookies are those that are being analyzed and have not been classified into a category yet! You provide any extra information they ask for and to make sure they have up to.... Necessary cookies are used to understand how visitors interact with the website has. Correct to do this Halloween crush, Chess gets a risqu makeover are what remain of time limits that whether... Some of these objectives dedicated BSPS helpline if you have any questions and we appreciate that members be... Traffic source, etc money, they can compensate you up to 85,000 not! Transaction for the content of external sites, Stuart Philip Bayliss, also a. Part time basis from the age of 16 ; successfully bringing the company into profitability during tenure... Your access or would like to request an individual access account please:!

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