Cntheroe Advertiser&Tlmes,Thursday, January 31,2013


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LEARN how to dress with ageless style, with these fashionable clothing tips for women over 50. ' Always keep in mind that there is a lit- •


tie girl hidden in very woman so stay cool and keep looking stylish and trendy even afterSO. Just avoid those tight outfits i f possible


as these dresses sometimes doesn’t look elegant on women over 50. It is always better to choose clothes which are right fit in order to look elegant yet stylish and trendy. When choosing clothes simply look for better fabrics, better cuts which makes a better fit. You can wear tunic with sleeves and


avoid flashy strapless, one shoulder and halter dresses. For some occasions these dresses look cool but if that’s not your


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style you can simply avoid those. Do not wear dresses which are meant


for an 18-20 year old girl, Always wear comfortable clothes which suits your style. Choose bolder, bigger accessories than


using many jewelry items as one bold, ■ strong jewelry is more chick and apt for • your age. . Do not select low cut, short or plung­


ing neckline dresses as they look very odd for woman over 50. Fashion doesn’t mean to flash all the time. You can wear these occasionally but try to go for little longer skirts as per your style. If your legs shows the sign of aging you can wear pants too. I f your legs aren’t showing signs of aging you can try shorts (to the knee) skirt that shows off a great pair of legs takes the at­ tention away from a shapeless middle.


Always opt for bold and classical de­ sign dresses with small prints and stripes. Urban fashion for aged women includes trench coats, turtlenecks, A-line skirts, waist-length jackets, shirt dresses, eternal blue jeans, gowns with classy shrugs, etc. Do not wear leather dresses like jack­


ets, miniskirts, low waist jeans or Capri’s as these are for younger generation; it might not look cool on a woman over 50. Bonus Tip; Women with larger breast


may face issues with wrap dresses fit. Some wrap dresses are so low-cut that a wpmen look more slutty than sejy. I f you still want to wear wrap dresses always wear a cami underneath. Also, right bra size is vital, so ensure you get fitted for right-sized bra.


Leading financial claims expert Michelle Barrett has highlighted her concerns that the mis-selling o f invest­ ment products by the high st banks is being overlooked during the continuing furore over mis sold PPL “We are dealing with increasing volumes o f bank cus­ tomers who have been let down by poor financial ad­ vice., It affects many thousands of people who have invested their savings on the advice o f their banks and lost money” said Michelle Barrett o f Credit Claims. The mass mis-selling o f Payment Protection Insurance (PPp is already firmly in the public domain and many consumers have now reclaimed thousands o f pounds. A recent report by the Financial Ombudsman Service says it is getting around 1500 complaints every day. and the banks have now set aside over £10 billion to repay customers who have been affected. It appears the same cannot be said about mis sold investments. “We' hear, stories o f customers being pestered into meeting with a financial adviser at the bank when the bank notice that they have a certain amount o f sav­ ings. The commission driven salesman will persuade the customer to often invest a large percentage o f their savings into a stock market linked product, without properly explaining the risks involved” said Michelle Barrett.


FINES


Many o f the banks have already been hit with big fines by the Financp Services Authority. In January 2011 Barclays wasSned £7.7 million for failing to ensure the funds it recommended were suitable for customers taMng into account their investment objectives, finan­ cial situation and investment knowledge. In Decem­ ber o f that year HSBC was hit with a £10.5million penalty for poor advice to elderly people in care. That fine came a month after private bank Courts was fined


COMPENSATION


One example o f how customers were mis sold investments was 69 year old Wil­ liam Thomley from Bolton. He says “ I explained to the adviser that we definite­ ly didn't want to gamble this money as it was very important to us, being from my mothers estate and meant to secure our future” After investing £50,000 he was horrified to discover that juSt 2 years


£6.3m and the UK arm o f Credit Suisse £5.95 for simi- into the plan his fund had dropped by lar failings.


oyer £16,000 “We just cpuldn't believe it and not being able to , get hold o f the adviser we cashed it in as we couldn't afford to lose any more. We were extremely upset” Michelle Barrett commented “This is typical o f the elderly people targeted by the banks with promises o f better returns. In this case we were able to secure Mr Thomley investment com­ pensation o f nearly £22,000 but many people just think they have to accept the loss. That is not the case and we need to educate the general public that they can do something about bad ad­ vice. Take your complaint up with the bank or take professional advice about


Michelle Barrett (centre) with her Women in Business Award your options”


William Thomley from Bolton got hack £22,000


Advertising Feature 45


B anking S candal ’


Credit Claims award winning team M IL L IO N S OWED


Credit Claims has reclaimed over £8 million for its customers in the last few years and Michelle says its


just the tip o f the iceberg. “The mis- selling o f investments to mainly eld­ erly people is a scandal that seems to have been swept under the carpet. We are calling it the 'hidden bank­ ing scandal' as the banks are trying to keep it out o f the headlines. There are million o f pounds waiting to be reclaimed by ordinary people who


have lost money on their savings.” AWARDS


The work Credit Claims has done to help Consum­ ers has been recognised with awards in the 2011 and 2012 Bolton and Bury Business Awards in the category o f Customer Excellence. Michelle Barrett, Operations Director has also won an award in the Forward Ladies Business Awards for her dedication to runmng a growing business and managing a busy home life. “ I am extremely proud o f the work we do and to have it recognised with these awards is very satisfy­ ing. I hope we can continue to fight fo r justice for those that have been misled by .their banks and fi­ nancial advisers”


' Please Call Credit Glaiiiis now on 01204 363979 or visit the website at vFww.creditclaimsonline.co.uk


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