This second edition of Mis-Selling Financial Services is a practical guide to litigating claims arising from the mis-sale of financial products and services. It covers the history of 'mis-selling' litigation and provides an updated overview of the regulatory landscape and how such claims are formulated, as well as a thorough review of the key issues. The revised chapters give an in-depth analysis of the financial products which most commonly form the subject of such claims, from credit to collective investment schemes. Key Features: Updated with new chapters on Financial Ombudsman Service (FOS) and unfair terms Explanation of the key issues and considerations concerning mis-selling litigation Clear and concise analysis on the law relating to the mis-selling of regulated financial services products Overview of the UK and European regulatory framework governing the sale of financial products, with particular focus on five key product types: credit, mortgages, investments, insurance and collective investment schemes With consideration of key legal and practical concepts and issues, this book is an essential read for practitioners and in-house counsel working in the financial services industry. Academics who are researching within the fields of financial services law or consumer protection will also find this to be an informative text.

Unlike some other reproductions of classic texts (1) We have not used OCR(Optical Character Recognition), as this leads to bad quality books with introduced typos. (2) In books where there are images such as portraits, maps, sketches etc We have endeavoured to keep the quality of these images, so they represent accurately the original artefact. Although occasionally there may be certain imperfections with these old texts, we feel they deserve to be made available for future generations to enjoy.

Unlike some other reproductions of classic texts (1) We have not used OCR(Optical Character Recognition), as this leads to bad quality books with introduced typos. (2) In books where there are images such as portraits, maps, sketches etc We have endeavoured to keep the quality of these images, so they represent accurately the original artefact. Although occasionally there may be certain imperfections with these old texts, we feel they deserve to be made available for future generations to enjoy.

The products that are most often the subject of mis-selling claims are usually both complex and esoteric in nature. This complexity is reflected in the law, regulation and case law that applies to these products. Nowhere is this more true than in the heavily regulated financial services sector. This accessible book is designed to provide a clear and practical guide to claims involving the mis-selling of financial products. Key features include: Clear and concise analysis on the law relating to the mis-selling of regulated financial services products Overview of the UK and European regulatory framework governing the sale of financial products and with particular focus on five key product types: credit, mortgages, interest rate hedging products, insurance, and collective investment schemes Practical information on pleading, and defending claims of mis-selling including the various causes of action and limitation periods Summary of case law which has emerged from sector specific issues and mis-selling 'scandals'. Providing a practical grounding to the topics at hand, this book will be of use to practising lawyers and in-house counsel working within the financial services industry. Academics who are researching within the fields of financial services law or consumer protection will also find this to be an informative text.

Transform your love-making into erotic ecstasy with this fully illustrated book that unlocks the secrets of the Kama Sutra - the most ancient, renowned and explicit guide to sexual pleasure. `Pleasures are as necessary for the well-being of the body as food.' Kama Sutra `The Modern Kama Sutra' opens up a new and exotic world of sexual pleasure that will change your sex life for ever. Inspired by the ancient text of the Kama Sutra, this fully illustrated book offers over 40 easy-to-follow explicit positions (try positions such as 'Splitting the Bamboo', ' The Congress of the Cow', 'Yab Yum' and the 'Canopy of Stars'), step-by step instructions and practical tips and 200 stunning colour photographs that guarantee to enhance your erotic pleasure and improve your sexual technique. `The Modern Kama Sutra' is for the modern couple, catering for both experienced lovers and for those wanting to experiment. You will learn how to heighten your awareness of your own and your partner's bodies, and achieve an emotional intimacy and sexual intensity never before experienced. * Why not try fast sex sequences for instant pleasure - use all kinds of locations, from the kitchen table and bathroom shower to the living room sofa and even the office floor! * Learn how massage and intimate touching can enhance your sexual desire. Discover how to indulge the body and the senses with separate chapters on seduction, foreplay and oral sex.

The 2,000-year-old Kama Sutra is widely regarded as the most famous work on erotic pleasure ever created. This original new interpretation of the Hindu sex classic features 40 easy-to-follow explicit positions, each beautifully illustrated by stunning color photographs, step-by-step instructions, difficulty ratings, and relevant quotes from the original text. From slow and gentle to fast and intense, the positions fulfill every mood and sexual need, and are designed to heighten pleasure from both a man's and woman's perspective. Separate chapters explore the body, senses, mood, foreplay, and oral sex, offering creative ways to bring new levels of eroticism into lovemaking. A book that couples will want to keep by their bedside tables and refer to again and again, The Modern Kama Sutra is the ultimate book for modern lovers.

From 1837 to 1861, Thoreau kept a Journal that began as a conventional record of ideas, grew into a writer's notebook, and eventually became the principal imaginative work of his career. The source of much of his published writing, the Journal is also a record of both his interior life and his monumental studies of the natural history of his native Concord, Massachusetts. In contrast to earlier editions, the Princeton Edition reproduces the Journal in its original and complete form, in a reading text that is free of editorial interpolations but keyed to a comprehensive scholarly apparatus.

"Journal 6" comprises a single manuscript notebook of nearly five hundred pages that Thoreau filled between March 9 and August 18, 1853. During this period, Thoreau divided his energies among his increasingly professional studies as a naturalist in Concord, the revision of his "Walden" manuscript, and surveying, which provided him a living and established him more securely as a contributing member of the Concord community. Thoreau's writing and his understanding of natural history were enriched by surveying, which gave him the opportunity to regularly observe seasonal occurrences and other natural events in and around Concord. Thoreau recorded these observations in his Journal, making both literary and scientific use of them. Substantial passages from "Journal 6" were incorporated into the sixth draft of "Walden, " and its observations formed the basis for later compilations of field ecology. They are made available here, along with Journal entries, completely unrevised. This volume will delight all custodians of literary and natural history and be an essential addition to the libraries of all Thoreau devotees.

This scarce antiquarian book is a selection from Kessinger Publishing's Legacy Reprint Series. Due to its age, it may contain imperfections such as marks, notations, marginalia and flawed pages. Because we believe this work is culturally important, we have made it available as part of our commitment to protecting, preserving, and promoting the world's literature. Kessinger Publishing is the place to find hundreds of thousands of rare and hard-to-find books with something of interest for everyone

This is an EXACT reproduction of a book published before 1923. This IS NOT an OCR'd book with strange characters, introduced typographical errors, and jumbled words. This book may have occasional imperfections such as missing or blurred pages, poor pictures, errant marks, etc. that were either part of the original artifact, or were introduced by the scanning process. We believe this work is culturally important, and despite the imperfections, have elected to bring it back into print as part of our continuing commitment to the preservation of printed works worldwide. We appreciate your understanding of the imperfections in the preservation process, and hope you enjoy this valuable book.