No control over accounts after your family fall-out. writes: We opened 18 Club accounts with Harpenden Building Society for our grandchildren. But our daughter-in-law has since cut off all communication with us and when we sent cheques to the grandchildren at Christmas they were presented for payment but we received no acknowledgement.

What should we do? We do not want our grandchildren, or their condemnatory parents, to benefit from our generosity and wish to avoid the 18 Club money going to the original beneficiaries. What a sad situation. Keep in mind that the children may be more under the control of their parents than you believe. That said, the answer to your question is that there is nothing you can do about the accounts. The 18 Club rules are clear that it is for unconditional gifts, with no strings attached.

If nobody tells the society what is to happen to the money, it will be transferred to a different account with the society, which may pay less interest — but you would still have no control. If you believe you are the victim of financial wrongdoing, write to Tony Hetherington at Financial Mail, 2 Derry Street, London W8 5TS or email tony. hetherington mailonsunday. Because of the high volume of enquiries, personal replies cannot be given.

Please send only copies of original documents, which we regret cannot be returned. Some links in this article may be affiliate links. If you click on them we may earn a small commission. That helps us fund This Is Money, and keep it free to use.

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Watch the STRICTLY BUSINESS debate on raising taxes in the face of recession Previous. Self-styled 'liquidator' of binary options firm BMS lied, cheated and left you worse off By Tony Hetherington, Financial Mail on Sunday Published: GMT, 1 July Updated: GMT, 2 July e-mail 3 View comments. RELATED ARTICLES Previous 1 2 Next. Share or comment on this article: Tony Hetherington: Elite? They left you worse off e-mail. Toggle Search. POPULAR MONEY SECTIONS Take me to… Best savings rates tables Find the best mortgage calculator Power Portfolio investment tracker Stock market data and share prices This is Money's podcast This is Money's newsletter The best DIY investing platforms The best bank accounts The best cash Isas The best credit cards Save on energy bills Compare broadband and TV deals How to find cheaper car insurance Investing Show videos Financial calculators.

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Comments 3 Share what you think. View all. More top stories. LATEST BUSINESS NEWS. ASK AN EXPERT Put your question to our team of independent experts. Click the more button to email us.

DON'T MISS Britain to have the highest debt burden of any major economy as cost of servicing Government's £2. Vivid new electric Abarth e has an artificial roar made to sound like its petrol predecessors - it arrives next year costing from £36k A wealth tax by another name? UK firm BSF Enterprise hopes so as it looks to scale up Financial Conduct Authority in crackdown on video game-style trading apps FCA 'concerned' apps are prompting users 'to take actions against their own interest'.

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I had never participated in cryptos except tony hetherington binary options Singapore a few months ago I bought 1 bitcoin at Bitcoin had previously run up to from in the span of a few months so I figured that if it pulled back toI would buy 1 bitcoin and then sell it if it gets to Anyway, I think I held it for 2 months before it got to My total net worth is aboutso I was gambling with absolutely nothing here.

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By Tony Hetherington, Financial Mail on Sunday. Published: GMT, 11 April Updated: GMT, 12 April I deposited £2, and was introduced to an adviser, Karen Miller. After a few weeks my account was up to £3, Then I had a health scare and my doctor advised me to slow down.

Karen transferred my money to a managed account operated by NRG itself, though I had to deposit a further £2, Oliver Martins from NRG then asked for more money. Trading website: There is no British company called NRGbinary but it is operated by an offshore company.

I declined but found that £1, had been taken from my bank account. I complained and NRG returned it. I could not trust the company though, so I asked for the rest of my money. NRG did nothing and I found that after I had asked for the withdrawal, more than half my money had been lost. Now NRG just ignores me and it still has my money. Even finding out for certain who you have been dealing with has proved almost impossible.

There is a close link to a London company that is itself breaking the law, but there is no British company called NRGbinary and various options trading websites name three different businesses as being behind NRG. One mention says it is operated by an offshore company called NRG Capital Cyprus Limited. However, the financial watchdog on the island has not licensed it and has actually issued a public warning against it.

Paperwork you were sent shows that NRG is run by Alfa Media Group Limited. NRG is not part of any similarly named British company, but its website did say until quite recently that it was operated by MHGG Tech Solutions Limited.

The website has now been altered slightly to say that MHGG collects payments from investors — but close ties clearly remain. And this is bad news. MHGG is not really at the address it gives in north-west London. Offices there belong to a business centre that accepts mail for anyone who pays.

More seriously, MHGG was set up only on July 2 last year and on July 3 its sole director quit. His resignation was not even notified to Companies House until a month or so ago. Anyone sending money to MHGG over the past nine months would have been unaware that it had no director, which is illegal, and that it was not at its registered address.

This goes beyond simple advertising hype. It is lies, and that makes it a criminal offence under the Fraud Act. Meanwhile, nobody should touch NRGbinary, not even with a bargepole dipped in disinfectant. Watchdogs have got themselves into a fine mess over binary options, leaving investors with no protection. The Financial Conduct Authority decided that binary options are a bet, not an investment. You can gamble that an index, a share or a commodity will move up or down in seconds.

In the time it takes to spin a coin, you can win back your money plus a percentage — or lose the lot. Other European watchdogs disagree. The FCA says binary options are regulated by the Gambling Commission, but this watchdog is not interested. Some British investment firms now offer binary options trading, among them legitimate firms that have been vetted and approved by the FCA for other products.

But how is the ordinary investor to know the difference? ETX Binary, owned by Monecor London Limited, is a genuine City company fully licensed by the FCA. This should mean that the FCA regulates it and if necessary, investors would have access to the Financial Ombudsman Service and Financial Services Compensation Scheme. But the Gambling Commission said it had never heard of ETX or Monecor and the ETX website says it is regulated by the FCA. Neither watchdog is interested, so investor protection falls down the chasm between them.

All this may change, though. ETX itself told me it has been arguing with the FCA that it really should be regulating binary options. And the Government has now stepped in, apparently on orders from the European Commission. Britain has been told to fall in line with other EU countries and the Treasury now says it has changed its mind: binary options are not gambling after all, but a financial investment, and it is proposing to change the law to make the FCA responsible.

So the mess continues. Some links in this article may be affiliate links. If you click on them we may earn a small commission. That helps us fund This Is Money, and keep it free to use. We do not write articles to promote products.

We do not allow any commercial relationship to affect our editorial independence. MORE HEADLINES. How we can help Contact us. Tuesday, Nov 22nd 4PM 13°C 7PM 10°C 5-Day Forecast.

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Airline fails to pay, even after court ruling Previous. RELATED ARTICLES Previous 1 Next. The chasm between sleeping watchdogs Watchdogs have got themselves into a fine mess over binary options, leaving investors with no protection. Toggle Search. POPULAR MONEY SECTIONS Take me to… Best savings rates tables Find the best mortgage calculator Power Portfolio investment tracker Stock market data and share prices This is Money's podcast This is Money's newsletter The best DIY investing platforms The best bank accounts The best cash Isas The best credit cards Save on energy bills Compare broadband and TV deals How to find cheaper car insurance Investing Show videos Financial calculators.

Most watched Money videos Agile Streets: Trial of public EV smart charging begins in the UK How to estimate your bills revealed in SIMON LAMBERT 's AMA Volkswagen presents its new electric vehicle: An office chair What does Jeremy Hunt need to do in this week's Budget? The breakdown of a relationship laws in the case of a cohabitation Pristine Ford Sierra Cosworth sells at auction for £, Focusrite offers 'easiest way' to produce studio-quality podcasts £2.

Babcock boosted by new contracts as FTSE aerospace Assura profits plummet as boss blames interest rate rises BUSINESS CLOSE: Babcock International lifted by contract Britain to have the highest debt burden of any major Petrofac chief executive who led FTSE oil rig builder Government inheritance tax receipts rise ahead of new Severn Trent extends discounts on water bills to more Pharma giant GSK to withdraw blood cancer drug Blenrep AO World shares soar despite growing losses as white Personal Assets Trust cuts equity exposure to lowest Cunliffe slams 'extreme' risks taken by collapsed crypto Shell reacts to windfall tax hike saying it is being Financial Conduct Authority in crackdown on video Virgin Money shares surge as it boosts investor payouts Vote to keep Aveva in UK: Cambridge software champ can Blow to government's 'levelling-up' agenda as Bank of MOST READ MONEY Previous.

More top stories. LATEST BUSINESS NEWS. ASK AN EXPERT Put your question to our team of independent experts. Click the more button to email us. DON'T MISS Britain to have the highest debt burden of any major economy as cost of servicing Government's £2.

Vivid new electric Abarth e has an artificial roar made to sound like its petrol predecessors - it arrives next year costing from £36k A wealth tax by another name? UK firm BSF Enterprise hopes so as it looks to scale up Financial Conduct Authority in crackdown on video game-style trading apps FCA 'concerned' apps are prompting users 'to take actions against their own interest'. British office space plummets by a record amount As firms adapt to hybrid working and a refurbishment boom takes out desks Cash in as UK pioneers chips for everything Sondrel and EnSilica have grown considerably and have ambitious plans for expansion JOHCM UK EQUITY INCOME FUND Times are tough - but outlook for UK equities is still positive.

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I made a £32k loss when I sold my parents' house in Can I still use it to cut a capital gains tax bill now? A world famous rockstar who died young wrote me letters in the '60s: If I sell them now for £20k, will I have to pay tax? HEATHER ROGERS replies SALLY SORTS IT: Aviva's £50, equity release fee is blocking my parents from moving home MORE HEADLINES. HEATHER ROGERS ANSWERS YOUR TAX QUESTIONS A property I inherited was overvalued by £50k - can I get any inheritance tax back and do I face a 'double whammy' on CGT?

My year-old grandfather is making large cash gifts to family members - will we have to pay inheritance tax?

I now have £11, missing from my pension pot. The Lbinary website was set up by a different company, Targaryen Holdings Limited, also based in Gibraltar. You have told me that while you would rather not have gone through all this, you are pleased with the outcome. When trading based on the technical analysis, we tend to forget watching the latest market news. Government inheritance tax receipts rise ahead of new

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