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Guardian Homeloans Ltd

Current Status: No longer authorised

Reference Number: 301664

Website: www.guardianfinance.co.uk

Link to FCA: https://register.fca.org.uk/s/firm?id=001b000000MfQVxAAN



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A company with the status of "No longer authorised" may have had its authorisation revoked by the FCA (Financial Conduct Authority) for a variety of reasons, including voluntary cancellation, failure to meet regulatory requirements, non-compliance with rules and regulations, enforcement action, failure to pay fees, or inactivity. It is important to check the FCA register or contact the FCA directly to gain further insight into why a company's authorisation has been revoked.

These measures can help ensure compliance and reduce the risk of regulatory penalties. Non-compliance with rules and regulations can be caused by a number of factors, such as inadequate systems and controls, ineffective corporate governance, lack of staff training, inaccurate and misleading disclosures, conflicts of interest, violations of conduct rules, inadequate protections for clients, financial crime, data protection breaches, and inadequate capital or liquidity. To reduce the risk of regulatory penalties and ensure compliance, firms must prioritize creating a strong compliance culture, establishing effective governance structures, and instituting ongoing monitoring and reporting systems.

The UK financial services industry has a long history of financial mis-selling, with several high-profile cases involving Payment Protection Insurance (PPI), Interest Rate Hedging Products (IRHP), endowment mortgages, and pension products. The total redress paid to affected consumers and businesses exceeded £38 billion. The Financial Conduct Authority (FCA) has taken a number of measures to address mis-selling, including enforcement actions, compensation schemes, and new regulations to improve disclosure and transparency. Despite these efforts, the risk of mis-selling still exists and requires ongoing vigilance from both the regulator and industry players.

If you've been mis-sold a financial product or service in the UK, you may be entitled to compensation. The process typically includes contacting the firm that sold the product or service, escalating the claim to the Financial Ombudsman Service, and filing a claim with the Financial Services Compensation Scheme. It's important to act quickly, as there may be time limits for submitting claims, and you should consider seeking independent financial or legal advice.

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