Financial Express (Holdings) Limited (“we”, “our”, “us” and derivatives) are committed to protecting and respecting your privacy. This Privacy Policy, together with our Terms of Use, sets out the basis on which any personal data that we collect from you, or that you provide to us, will be processed by us relating to your use of any of the below websites (“sites”).


For the purposes of the Data Protection Act 1998, the data controller is Trustnet Limited of 2nd Floor, Golden House, 30 Great Pulteney Street, London, W1F 9NN. Our nominated representative for the purpose of this Act is Kirsty Witter.


We collect information about you when you register with us or use any of our websites / services. Part of the registration process may include entering personal details & details of your investments.

We may collect information about your computer, including where available your operating system, browser version, domain name and IP address and details of the website that you came from, in order to improve this site.

You confirm that all information you supply is accurate.


In order to provide personalised services to and analyse site traffic, we may use a cookie file which is stored on your browser or the hard drive of your computer. Some of the cookies we use are essential for the sites to operate and may be used to deliver you different content, depending on the type of investor you are.

You can block cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or part of our sites. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon as you visit our sites.


We store and use information you provide as follows:

  • to present content effectively;
  • to provide you with information, products or services that you request from us or which may interest you, tailored to your specific interests, where you have consented to be contacted for such purposes;
  • to carry out our obligations arising from any contracts between you and us;
  • to enable you to participate in interactive features of our service, when you choose to do so;
  • to notify you about changes to our service;
  • to improve our content by tracking group information that describes the habits, usage, patterns and demographics of our customers.

We may also send you emails to provide information and keep you up to date with developments on our sites. It is our policy to have instructions on how to unsubscribe so that you will not receive any future e-mails. You can change your e-mail address at any time.

In order to provide support on the usage of our tools, our support team need access to all information provided in relation to the tool.

We will not disclose your name, email address or postal address or any data that could identify you to any third party without first receiving your permission.

However, you agree that we may disclose to any regulatory authority to which we are subject and to any investment exchange on which we may deal or to its related clearing house (or to investigators, inspectors or agents appointed by them), or to any person empowered to require such information by or under any legal enactment, any information they may request or require relating to you, or if relevant, any of your clients.

You agree that we may pass on information obtained under Money Laundering legislation as we consider necessary to comply with reporting requirements under such legislation.


We want to ensure that the personal information we hold about you is accurate and up to date. You may ask us to correct or remove information that is inaccurate.

You have the right under data protection legislation to access information held about you. If you wish to receive a copy of any personal information we hold, please write to us at 3rd Floor, Hollywood House, Church Street East, Woking, GU21 6HJ. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.


The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff may be engaged in, amongst other things, the provision of support services. By submitting your personal data, you agree to this transfer, storing and processing. We will take all steps reasonably necessary, including the use of encryption, to ensure that your data is treated securely and in accordance with this privacy policy.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our sites; any transmission is at your own risk. You will not hold us responsible for any breach of security unless we have been negligent or in wilful default.


Any changes we make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.


Our sites contain links to other websites. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.


If you want more information or have any questions or comments relating to our privacy policy please email [email protected] in the first instance.

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Bradford&Bingley PLC (BB.)

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Monday 22 September, 2003

Bradford&Bingley PLC


Bradford & Bingley PLC
22 September 2003

                                                               22 September 2003



Bradford & Bingley Plc today announces that it has agreed to acquire The
Aitchison & Colegrave Group Ltd, the leading privately owned IFA in Scotland.
This follows the acquisition of Holden Meehan in June 2003 and further
accelerates the Group's strategy of building a high quality comprehensive
financial planning proposition in the mid to high net worth market,
complementing its high street presence through The MarketPlace brand. Completion
of the deal is subject to regulatory approval.

With four offices and twenty advisers, Aitchison & Colegrave focuses on
financial planning for corporate and individual customers. In the year ending 31
July 2002, Aitchison & Colegrave had a turnover of £4.1million and net assets of
£2.5 million.

Upon completion, Aitchison & Colegrave will be rebranded Charcol Aitchison &
Colegrave. Its current management will remain within the business, playing an
important role in developing the Charcol financial planning capability. The
addition of Aitchison & Colegrave and Holden Meehan to the Charcol stable builds
on Charcol's current position as the UK's leading mortgage IFA, increasing both
the range of services it offers to clients and its ability to attract new

Commenting on the acquisition, Christopher Rodrigues, Group CEO, said

"This latest IFA acquisition brings further financial planning skills to our
Charcol business and creates immediate scale in the Scottish market,
complementing the presence of Charcol Holden Meehan in Bristol and London. This
is another step towards achieving our ambition of making Charcol one of the
country's leading financial planning brands ahead of regulatory change."

Bradford & Bingley is currently the UK's largest IFA through its two brands; The
MarketPlace and Charcol.


For further information:
Press Office:
Siobhan Hotten                                Andrew Grant
Bradford & Bingley plc                        Tulchan Communications Limited
Tel:     020 7067 5627                        Tel:     020 7353 4200
Fax:     020 7067 5656                        Fax:     020 7353 4201
Email:     [email protected]           Email:     [email protected]

Investor Relations:
Phillip McLelland                             Kirsty Macmaster
Bradford & Bingley plc
Tel:      01274 806112                        Macmaster & Company
Fax:      01274 554357                        Tel:     020 7493 9500
Email:     [email protected]        Fax:     020 7493 9600
                                              Email:     [email protected]

Notes to Editors


  • The Aitchison & Colegrave Group was formed in 1983 and operates from four
    branches in Glasgow, Edinburgh, Aberdeen and London. The Aitchison &
    Colegrave Group is now the largest privately owned IFA in Scotland and is
    currently rated in the top 50 in the United Kingdom. (Source: Financial
    Adviser, October 2002)

  • The Aitchison & Colegrave Group provides a wide range of investment, tax
    shelter and financial planning services for individuals, partnerships, and
    companies. Although its services are primarily geared towards private
    clients and small companies, it is also retained by a number of leading UK
    and multinational companies to provide a range of "in-house" services for
    directors, management and employees. The Aitchison & Colegrave Group also
    operates a "Professional Advisers Division" to cater for the specialist
    requirements of accountants and solicitors.
  • The Aitchison & Colegrave Group became the very first Independent
    Financial Adviser in Scotland to be awarded the prestigious Investor In
    People accreditation in recognition of the importance it places on adviser
    training and development.


  • Bradford & Bingley offers independent advice on mortgages, investments,
    pensions and insurance under The MarketPlace and Charcol brands.

  • Bradford & Bingley manufactures savings products and focuses its own
    mortgage lending on specialist loans via its Mortgage Express subsidiary.

  • The group has national distribution through a range of channels including
    over 500 branches, online services, over 1,000 financial advisers and a
    number of third party distributors.

  • The Bradford & Bingley Group has over 7,500 staff.

  • Bradford & Bingley floated on 4th December 2000 and has over 1.5 million
    private shareholders.

  • Prior to floatation Bradford & Bingley was the UK's second largest
    building society, formed in 1964 from the merger of the Bradford Equitable
    and the Bingley Building Society, both originally formed in 1851.

  • As part of its strategy to concentrate on providing independent financial
    advice on a broad range of financial products, Bradford & Bingley acquired
    independent mortgage broker John Charcol in February 2000, including the
    UK's largest online mortgage broker, Charcolonline.

  • Bradford & Bingley owns Mortgage Express which specialises in buy-to-let
    and investment mortgages. It acquired the Mortgage Express business in May
    1997. The acquisition also gave the Society access to securitisation
    expertise and a strong lending brand in the intermediary sector.

  • Bradford & Bingley is also the UK's fourth largest estate agency having
    acquired Black Horse Agencies from Lloyds TSB in April 1998. Strong local
    estate agency brands were retained within an overall branding of Bradford &
    Bingley Estate Agents. The Group offers a broad range of property services,
    including residential house sales along with residential lettings and
    property management.

  • The Group also has one of the largest surveying businesses in the UK,
    providing survey and related services for customers of the Group and survey
    panel management services to 20 lenders.

                      This information is provided by RNS
            The company news service from the London Stock Exchange

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