I haven't gone into this in detail, but your broker would have to explain to you what rights you are losing and get your assent. So, (1) would be fairly easy to satisfy even transferring from another provider, as I don't see why they wouldn't accept their records of transactions. If no KID/KIID is available then the product cannot be sold to a retail investor from 1 January 2018." I noticed that Vina Capital Vietnam Opportunities fund, which I already hold, published a KID yesterday.
You should get free debt advice before you consider taking out a secured debt consolidation loan, as they’ll not be right for everyone and you could just be storing up trouble or putting off the inevitable.
Before you choose a debt consolidation loan think about anything that might happen in the future which could stop you keeping up with repayments.
You could also consolidate your debts into an unsecured personal loan, but again you’ll need a good credit rating to get the best deals.
Profits/(losses) from a profession are taxable as trading income. here is an extract from i Dealing (as always) in their application form which details the warnings.
professional clients are: Communications, including financial promotions made by us with professional clients are not subject to all of the requirements imposed by Mi FID on communications with Retail clients Information provisions about i Dealing (hereafter, the Firm), its services, and remuneration that are required with respect to retail clients are not all required with respect to professional clients Professional clients are not eligible complainants with respect to the Financial Ombudsman Services ( FOS) Pre-requirements for the entry into written basic agreements for designated investment business may not apply to professional clients If the Firm makes a personal recommendation or manages investments professional client in the course of Mi FID or equivalent third party business, it is entitled to assume that, in relation to the products, transactions and services for which the professional client is so classified, the client has the necessary level of experience and knowledge for the purposes of suitability assessment, and where the Firm is required to provide suitability reports to a retail client, in many cases the firm is not required to provide them to a professional client With respect to non-advised services, the Firm is not required to request information or adhere to the same procedures when assessing the appropriateness of a given service or product for a professional client, and The Firm may not be required to give warnings to the professional client if the Firm can not determined appropriateness with respect to a given services or product The Firm must provide certain product information to retail clients, but not professional clients, when selling packaged products, cash isas, or cash Child Trust Funds There is no right to cancel a non-distance contract to buy a unit in a regulated collective investment scheme if the consumer is not a retail client When managing investments for a client, a firm must provide the client with a periodic statement.