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Holborn Assets's reply dated Nov 10, 2015 to: Guest-604389's review
Far better than the rest
My account was previously managed by another financial adviser from another company and, with all due respect, I didn’t cross the line of 3% interest, max. Since Holborn took charge of my investments, I have seen the number climb sometimes to more than 8% and I’m not complaining about it :)
Obviously, it’s a long term investment and it’s funds investment, which means there’s risks. However, for the time you managed my account you proved to me I can trust your decisions. And God knows I don’t trust easily when it’s about money and the future of my family.
When I come to your office, I don’t feel I’m sitting in front of an advisor who puts in priority his commissions and forgets the well being of my investments. I feel I’m having a chat with a good friend who cares about me and my money.
Holborn Assets's reply dated Nov 10, 2015 to: Guest-602019's review
Holborn Assets's reply dated Nov 10, 2015 to: MICHAEL DAVID CAPINDALE's review
Holborn Assets's reply dated Nov 10, 2015 to: Guest-588552's review
Fake complaints? excellent service by Holborn
It amazes me that if read correctly, all the complaints on this site for Holborn are technically by financial services employed people, as their grasp of the investment process is beyond the average layman.
Holborn Assets have looked after my pension 4 years running now, & from day one I only ever received professional and caring advise. I am constantly kept abreast of market conditions affecting my pension along with active management of the investment itself.
I am very happy Holborn approached me to give me the opportunity of having sound financial advise and successful investment of my life savings!
- Personalised proffessional service
I was really shocked by the negative feedback but it seems to be from disgruntled employees rather than actual customers. Every dealing I have had with Holborn Assets has been nothing but positive - they have helped me sort out my Will (it can be complicated being an expat living in Dubai) and am now in the process of transferring my pension!
Holborn Assets's reply dated Nov 10, 2015 to: Guest-554970's review
Holborn Assets's reply dated Nov 10, 2015 to: Guest-520531's review
Holborn Assets's reply dated Nov 10, 2015 to: Guest-520274's review
Holborn Assets's reply dated Nov 10, 2015 to: Guest-496835's review
Dubai, Dubai
Keren Bobker: Holborn Assets.
I met Keren Bobker and told her about some of the investments I had with the other firm. Almost immediately she began to slag off the advice I had been given and the savings plan I had (which by the way was the exact same plan my friend had already been given by Holborn!). Regardless of her feedback my first reaction was that badmouthing the competition was extremely unprofessional but I allowed her to continue.
She then proceeded to tell me that she would never have given advice like this and I should stop paying into my current plan and start another with her. Clearly Ms Bobker thought I had been born yesterday since it was obvious to me that this was just a ploy to get me to earn her some more juicy commission. I frankly found this to be as nauseating as her hideous work attire.
Her next pearl of wisdom was to tell me to invest my lump sum into one of her fancy 'tax wrappers' which would apparently shower me with a world of magical tax breaks when I went back to the UK. She also pointed out that i had to invest at least 75,000 quid and that if I wanted to put any more money in, it must be done in tranches of at least 25,000 quid. You can imagine my surprise when she gave me a brochure which completed contradicted what she had just told me!
{{{Redacted}}}. Needless to say i wont be visiting her again.
{{{Redacted}}}.
LVP CASE ID 16-V0017 DECISION SUMMARY
On October 17, 2016, Complainant submitted a complaint in accordance with the Legitimacy Verification Program (“LVP”). The complaint alleged, in part, that posts 363273 and 493259 (the “Posts”) contained statements in violation of Pissed Consumer’s Terms of Use. The Posts’ authors (“Posters”) were offered an opportunity to respond to the complaint, as provided in LVP Rule 9, but each failed to do so. Thus, the Posts and the supplemental information provided by Complainant constitute the LVP Record.
Having considered the LVP Record, the Third Party Neutral finds that Post 363273 should be removed in its entirety and the review title should be regenerated to remove reference to Holborn Assets; further, Post 49259’s title should be redacted to read “Keren Bobker: Holborn Assets,” the last paragraph redacted in its entirety, and the first sentence of the second-to-last paragraph redacted in its entirety.
Dated: December 10, 2016
*NOTICE OF COMPLAINT*
Please take notice that Complainant has initiated a Complaint against this Post due to alleged
violations of Pissed Consumer’s Terms of Use pursuant to Pissed Consumer’s Legitimacy
Verification Program. To receive a copy of the Complaint send an email that includes the review
number for this Post to lvp@***.com requesting a copy.
You, the Poster, have a right
to respond to the Complaint to establish the truth of the Post’s statements. If you intend to respond, you have 20 days from the date when this Notice was posted to answer the Complaint. The Answer Form https://www.pissedconsumer.com/lvp-answer-form.html?form=f6fd84f6f232 c5a23edc658412c5bd11 must be submitted to lvp@***.com within 20 days of this Notice was posted. Failure to submit an Answer within 20 days waives your right to participate in the Legitimacy Verification Program as to this particular Complaint.
All Legitimacy Verification Program disputes are decided by an independent attorney who is not an employee of Pissed Consumer and whose firm has contracted with Pissed Consumer to provide attorneys who will serve as Third-Party Neutrals in conformity with the rules of the Legitimacy Verification Program. Pissed Consumer WILL NOT reveal your identify or email address to Complainant without your express consent or pursuant to a subpoena or court order.
For more information regarding the Legitimacy Verification Program, please refer to the program’s rules found at http://www.pissedconsumer.com/static/legitimacy-verification-program- rules-and-conditions.html. LVP ID: 16-v0017
Replying to
Holborn Assets's reply dated Nov 10, 2015 to: Anishka Npg's review
Holborn Assets's reply dated Nov 10, 2015 to: Guest-479341's review
Holborn Assets's reply dated Nov 11, 2015 to: Guest-479134's review
Holborn Assets's reply dated Nov 10, 2015 to: Kiwana Gwc's review
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an Adviser who works with Holborn I sometimes read these comments and think there is no point in answering them because we all know who posts them. However, I simply cannot listen to this tripe any longer..
So, I shall answer your points in order one by one and then hopefully you; and the people you point towards this terrible site, will understand more clearly.
1.
Qualified or not:
Of all the advisers within Holborn Assets ‘Most” (probably 95%) are qualified to give advice on UK investments, products etc. Those that are not qualified would not be allowed to advise you. They are most likely trainees or working within practices. They will have taken an entrance style qualification to get them on their way to full qualification such as FAIQ or a basic CISI paper.
If your initial contact is with one of these trainee or practice advisers then that would be purely for information gathering and they might advise you on elements of financial services that they are qualified for. Any other advice would be given to you personally by a fully qualified adviser. Also, that adviser would put that advice in writing and put their name at the foot of that advice with their own signature.
2.
Independent or not:
This is wildly inaccurate – Yes RL360 are one of the companies Holborn represent and yes, we have a white label product with RL360. Firstly, this is because RL360 value Holborn Assets and understand that we have a commitment to giving the best advice available. Ask yourself, why would a company like RL360 tie their global reputation to Holborn if they were not completely satisfied with the levels of advice, competency and compliance? The HARP product is very successful but it makes up only a percentage of the other products recommended by Holborn.
Whether Holborn Assets gets paid more than another company on any product or services is debatable. All IFA’s will claim to have exclusive arrangements with at least one of the product providers. Some with Generalli, some with FPI and others with Zurich or OMI etc. It’s more down to the product providers than the IFA’s.
Any increase in remuneration to the company would be from the providers own margins or profits and would not increase the standard charges to the client at all. We have our own small fund range and we encourage its use however there are hundreds of other funds being recommended every year by Holborn Advisers. It is understandable that we may incentivise our funds use, just as any other company would with any other product they create. The point you are missing here is that if the fund is not suitable for a client, it will not be advised to the client.
Compliance would see to that in a heartbeat. Secondly, Holborn Assets also represents, Generalli, Zurich, Friends Provident Momentum, Brooklands and OMI; among a host of others, where they and we hold a license to do so. There is an almost equal spread across the board on the products advised from Holborn Assets. 3.
Unsolicited contact or not: Cold calling is illegal in the UAE and marketing of financial services products is always a tricky one for IFA’s globally. I cant answer where your details may have come from but I can tell you this, I personally have many clients that have praised the fact that a particular problem or challenge was brought to their attention and that we were able to satisfy that need for them. For every one that is happy there will be another that is not; clearly where you fall. However I would rather help one family by providing life assurance or other crucial products than have missed them altogether.
If you have everything in order – and I seriously doubt it – then carry on and ignore us. 4. Misrepresentation: See all the other replies I have made. 5.
Business and / or Christian ethics: Stating that we believe we are the most professional, most ethical company in the market place is not “slating the competition”, it is simply stating what we believe to be a fact. Just like any company in any industry we have a belief that we are darn good at what we do. Apple never became one of the richest companies on the planet by saying “we probably make fairly good computers”. They have belief in themselves just as we do.
And, if stating to a client that they are literally paying two or three times what they need to on a certain product or service is going against business principles (never mind Christian ones), then there is something very wrong with your view of business, financial services or just the world in general. 6. Licensed and Regulated: This one is my favourite – You obviously know where our office is so why don’t you pop over and ask to see our licenses (plural) for the UAE. Whilst you are at it, you could ask to see the UK FCA license, the Dublin European License, the South African license etal.
Finally, I highly suspect that these comments were written; like all on this site, by upset and disgruntled ex-advisers of Holborn Assets. It’s plain to see that there is at least a shallow understanding of the market place in your tone and the language used in your review. It takes a lot to fail at Holborn Assets, there is support both emotionally, professionally and where required financially. There are training programs, we pay for the exams that you claim nobody qualifies in, and there are splendid offices around the world and lots of other support programs.
If you failed with Holborn its most likely because you could not sell what you wanted to sell such as unregulated funds or high commission paying funds, you were unethical or you just hate being professional. Or maybe, you could not keep up with the examinations and qualifications required to maintain your position at the company. It is also possible that you interviewed with Holborn and were rejected and now you are facing stiff competition for your services. Either way, I think any potential client should meet with an adviser, visit their offices and even ask to see the license or the adviser’s qualifications and they can make their own minds up.
That goes for any financial advisory firm anywhere in the world, not just Holborn.
We have nothing to hide.
i cannot agree more with this post. Everything this shell looks to be they are not.
They are the worst and most dishonest in the world. I lost everything by trusting this Christian ethic and they won't even respond to my complaints.
They are liars plain and simple and the crooks that run it are set to disappear into the sunset. Never ever deal with these liars or trust them.