The Financial Ombudsman Service saw a sharp drop in complaints over the past year, down nearly 117,000 to 271,468 in 2019/20, according to its annual complaints data published today.

And how are you doing Kevin? Well thanks for asking, I’m not too bad in the circumstances.

So here we go again, another saga getting under way about unsuspecting ‘mini-bond’ investors being ripped off.

The Financial Ombudsman Service is to increase its maximum compensation award for 2020/21 to £355,000 per case, a £5,000 increase on 2019.