Cold-callers could face fines of up to £500,000.
Pensions cold-calling ban takes effect
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Cold-callers could face fines of up to £500,000.
Savers urged to take advice as divorces rise in January.
Only 14% of people took advantage of ISA inheritance rule.
Proposals made to help raise £7bn by 2022/23.
Around 5.5 million returns to be completed before 31 January.
Key dates to remember from 2 January.
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