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Keith Williams Financial Limited

Current Status: No longer authorised

Reference Number: 218688

Website: www.keithwilliamsfinancial.co.uk

Link to FCA: https://register.fca.org.uk/s/firm?id=001b000000MfMbEAAV



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A firm with the status "No longer authorised" may have had its authorisation removed by the FCA for a variety of reasons, including voluntary cancellation, failing to meet regulatory requirements, non-compliance with rules and regulations, enforcement action, failure to pay fees, or inactivity. It's important to check the FCA register or contact the FCA directly for more information about a firm's authorisation status and reasons for any changes.

Non-compliance with rules and regulations can arise due to a number of causes, such as 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. In order to avoid these issues, firms must create a solid compliance culture, have effective governance structures in place, and establish monitoring and reporting systems that are regularly updated.

The UK financial services industry has seen numerous cases of financial mis-selling in the past, with some of the most well-known cases involving Payment Protection Insurance (PPI), Interest Rate Hedging Products (IRHP), Endowment mortgages, and Pension mis-selling. Banks have paid out billions of pounds in compensation to affected consumers and businesses, highlighting the need for robust regulatory frameworks and ongoing oversight by the Financial Conduct Authority (FCA). The FCA has taken a number of steps to address mis-selling, including enforcement actions, compensation schemes, and the introduction of new regulations. However, the risk of mis-selling remains an ongoing problem that requires vigilance from both regulators and the industry to ensure fair treatment of consumers.

If you believe you have been mis-sold a financial product or service in the UK, the first step is to contact the firm responsible and file a formal complaint. If the firm rejects the complaint or you are not satisfied with the response, you can then escalate the issue to the Financial Ombudsman Service. If the responsible firm is no longer in business or in default, you can file a claim with the Financial Services Compensation Scheme. In all cases, it's important to act quickly and consider seeking independent financial or legal advice.

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