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Guildhouse Insurance & Financial Services Limited

Current Status: No longer authorised

Reference Number: 126783

Website: Not Listed

Link to FCA: https://register.fca.org.uk/s/firm?id=001b000000MfF2rAAF


15 Boulevard
BS23 1NR
B S 2 3 1 N R


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A firm with the status "No longer authorised" may have had its authorisation revoked by the Financial Conduct Authority (FCA) for various reasons. These could include voluntary cancellation by the firm due to changes in their business model, ceasing operations, or merging with another firm; failure to meet ongoing regulatory requirements such as capital adequacy, risk management, or governance standards; non-compliance with FCA rules and regulations; enforcement action taken against the firm for breaches of regulatory requirements or misconduct; failure to pay required FCA fees; or inactivity resulting in the cancellation of its authorisation. To obtain more information on a specific firm's authorisation status and reasons for any changes, it is essential to check the FCA register or contact the FCA directly.

Potential causes of non-compliance include inadequate systems and controls, poor governance, insufficient staff training, misleading or inaccurate disclosures, conflicts of interest, breaches of conduct rules, inadequate client protections, financial crime, data protection breaches, and inadequate capital or liquidity. It is essential for firms to take appropriate measures to prevent and detect non-compliance and ensure compliance with applicable laws and regulations.

The UK financial services industry has a history of financial mis-selling, with several high-profile cases involving payment protection insurance (PPI), interest rate hedging products (IRHP), endowment mortgages, and pension mis-selling. To protect consumers, the Financial Conduct Authority (FCA) has taken a number of steps to address these issues, including enforcement actions, compensation schemes, and the implementation of regulations to ensure disclosure and transparency. Despite these efforts, mis-selling continues to be a significant problem, warranting ongoing vigilance from both the regulator and industry.

Consumers who have been mis-sold a financial product or service in the UK may be eligible for compensation. The process typically starts with contacting the firm responsible for the mis-selling and filing a formal complaint. If the complaint is rejected or not satisfactorily addressed, it can be escalated to the Financial Ombudsman Service, an independent body that makes legally binding decisions. If the firm is no longer in operation, consumers may be able to file a claim with the Financial Services Compensation Scheme, a statutory fund that provides compensation when authorized financial services firms fail or are unable to meet claims. It's important to act quickly and consider seeking independent financial or legal advice. Depending on the product or service involved, specific processes and eligibility criteria may vary.

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