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Mr Fellows said he was puzzled by this distinction, claiming that he thought he was receiving advice from the salespeople. He said: "I didn’t go into the bank that day for advice, but I was given it anyway, as they made definite predictions of what would happen to my repayments." Natwest has since scrapped "non-advice" mortgages as part of the Mortgage Market Review, a set of new rules applying to lenders from April this year.
Inside, huge numbers of people were performing the first of the haj rites, walking around the Kaaba, the black-clad cube toward which the world's 1.6 billion Muslims face to pray, and which they see as the geographic center of their faith.
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But the court wrote that “women from McAllen have been travelling outside their city for nearly a year and Plaintiffs made no showing that clinics in San Antonio (or any other city) have been deluged.”
And it's the feeling that they want to maintain the differences between Hong Kong and China that appears to be driving many Hong Kongers onto the streets. But it could also drive many away from Hong Kong altogether if events take a wrong turn.
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The dinner parties are the brainchild of Margit Wennmachers, an operating partner who could fairly be called the VC firm's secret weapon. The German immigrant, 48, invites reporters, investors and entrepreneurs to her San Francisco home to talk, drink and sup, all off the record. It may be the softest, smoothest marketing pitch in the Bay Area. Or maybe it's not a pitch at all. Reporters love discovering, says Wennmachers. "And discovery is best done breaking bread."