Business correspondent and personal finance editor since 1998, four times Scottish financial writer of the year, and once journalist of the year. Likes bringing business personalities to life, responding to unhappy consumers, and investigating bust businesses and the murkier corners of money. This year, I was named Business Journalist of the Year in the Scottish Press Awards.
However, in his judgment, Lord Hodge said the society's chief executive Gerry Kay had failed to establish he had been misled before agreeing to hand over a £250,000 commission payment to the scheme's promoters in 2010.
The mutual society, which made a £931,000 profit last year, had been threatened with a £1m bill after terminating the five-year contract after one year, when the scheme attracted just £440,000 of savers' funds against a target of £5m.
But other providers welcomed the move by HMRC to accelerate the industry's move to "clean" fund investments, where typically a 1.5% annual charge is halved to 0.5%, with a fee charged on top for using the platform.