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Author Archives: Dr. Daniel Hall

Managing Director - All Square Finance Ltd. (allSquare)

Daniel has over eighteen years of financial services experience which includes five years as Managing Director of allSquare, eight years in Sales and Capital Markets roles at Barclays Bank and four years as a Treasury & Capital Markets consultant at Deloitte. Daniel set up allSquare in October 2012 in order to assist businesses with complex hedging claims. Since then, allSquare has assisted hundreds of clients with successful claims against banks for Interest Rate Hedging Products, Tailored Business Loans, Fixed Rate Business Loans and Commercial PPI under the brand www.allsquare.co.uk

Daniel holds a PhD in Industrial Economics and Management from KTH Royal Institute of Technology, an MBA, an MSc in International Banking & Finance, a Post Graduate Diploma in Law and the Securities Institute Diploma. He has also been a Chartered Financial Analyst (CFA) charter holder since 2004 and lectures in Banking Practice and Management. Daniel is regularly quoted in the media on banking conduct and mis-selling issues and has appeared in Reuters, CityAM, Yorkshire Post and the BBC.


Recent growth in the SIPP industry With the trends of restructuring defined benefit (company) pension schemes into personal pensions combined with the liberalisation of pension transfers and investments, the Self-invested personal pension (SIPP) market has experienced strong growth in recent Read more…


The Failings of a Complaint Handling Process Almost three years ago I wrote a blog about Clydesdale’s hidden ‘hidden Swap’ bill. At that time, the executives at Clydesdale Bank had recently testified to the Treasury Select Committee’s evidence session on Read more…


The term “mortgage prisoner” has been banded around for a couple of years now, but it could soon start taking on a much more significant meaning. A “mortgage prisoner” is a term used to describe someone who is trapped into Read more…


RBS FCA

When the long awaited Royal Bank of Scotland (RBS) Global Restructuring Group (GRG) proposed compensation scheme was announced on 8th November 2016, it was soon met with a barrage of predictable criticism. But why the outpouring of such disbelief, disappointment Read more…


The risks were not explained by many banks! Just when you thought interest rates had bottomed, we are now heading even lower. On 4th August 2016, the Bank of England cut the Official Bank Rate from 0.5% to 0.25%. There Read more…


A full judicial review – Mis-sold Interest Rate Hedging Products Last Friday, the long awaited hearing occurred in the Royal Courts relating to a judicial review of the Financial Conduct Authority (FCA) Interest Rate Hedging Product (IRHP) Review Scheme. The Read more…


So here we have it, the finishing line is not only in sight but many businesses are about to cross it. Like any race, there will be winners and losers. Let’s be very clear about what the 31st March deadline Read more…


One thing is guaranteed, the banks’ financially enterprising ability to mis-sell the most simple of products. After exactly 14 days into 2015, Enterprise Finance Guarantee (EFG) Loans are fast making their way onto the roll of dishonour of another banking Read more…


So here it is. A full advent calendar of 24 useful tips for businesses that are seeking information about Interest Rate Hedging Product Review (Swaps) Mis-selling. There are many questions from businesses about the FCA IRHP Review Scheme, as there Read more…


As reported in The Times on 4th December 2014, the Royal Bank of Scotland (RBS) has been accused by a whistleblower, of trying to minimise compensation for the Interest Rate Hedging Product (IRHP) mis-selling scandal with the aid of the Read more…


The FX Market background Before I delve into the meat of yesterday’s news, whereby the Financial Conduct Authority (FCA) imposed their largest ever fine across the banking industry, I thought it would help to provide a snippet of background information Read more…


National Australia Bank (NAB), parent company of Clydesdale Bank PLC (Clydesdale), which operates under the Clydesdale Bank and Yorkshire Bank brands, announced their Full Year End results last week for the Year End 30 September 2014. Mis-selling by the UK Read more…


Black and white business people working together at small office

It’s been some time since my last update on this blog. Apologies for this absence, but as you can imagine there has been an enormous amount of activity in the Swaps claims space over the past 6 months. To help Read more…


Well, unfortunately, that largely depends on which ‘camp’ you are in. In one camp, businesses will be entering the festive period with a warm hearty smile having been offered redress for a mis-sold interest rate hedging product (IRHP), especially if Read more…


So some 15 months after the first reporting of widespread mis-selling of Interest Rate Hedging Products (IRHPs), the BBC’s Panorama pick up on the issue. Congratulations to the BBC, but why has it taken so long? I have picked out Read more…


In September, the Financial Conduct Authority (FCA) published its first update on the progress made by banks undertaking a review of the sale of Interest Rate Hedging Products (IRHPs) to small and medium sized businesses. The first update was eagerly Read more…

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