Consumer Protection
Designed to protect you at every stage
The regulation of financial services is designed to protect customers at every stage.
We work with a huge range of hard-working business owners. We advise them on the financial decisions they should consider today, for the personal future they want to enjoy.
What protection do I have?
We will always endeavour to ensure the products recommended are suitable for you. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request.
When we are advising you on regulated products (including investments, insurance and mortgages) you have the protection of the Financial Ombudsman Service (FOS) and the Financial Services Compensation Scheme (FSCS).
If you are unhappy with the advice or service you have received you can contact us detailing your concerns and where we can we will endeavour to put things right as soon as possible and deal with any complaints you may have. If you are not completely satisfied you have the right to refer your complaint to the Financial Ombudsman
If you try to contact a firm with a complaint and the firm is dissolved, or unable to meet its obligations, you may have recourse to the FSCS. This service is funded by levies on firms that are authorised by the Financial Conduct Authority to protect customers where firms have closed or gone into liquidation.
Anything else I should know?
Some financial advisers do give advice on products that are not regulated by Financial Conduct Authority – such as buy-to-let mortgages or general taxation advice. We will explain to you when you are receiving advice on an unregulated product. It is important you are happy with the advice as you may not have the added protection of the FOS or FSCS when dealing with unregulated products.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE TAXATION ADVICE AND SOME FORMS OF BUY-TO-LET MORTGAGES. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.