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Lifestyle Finance Ltd

Current Status: No longer authorised

Reference Number: 305663

Website: www.earthmortgages.co.uk

Link to FCA: https://register.fca.org.uk/s/firm?id=001b000000MfArTAAV



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A firm with the status "No longer authorised" may have had its authorisation removed for various reasons, such as voluntary cancellation, failure 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 for more information about the firm's authorisation status and the reasons for any changes.

Various factors can lead to non-compliance, including 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. To ensure compliance, firms should put in place comprehensive policies, procedures, and processes to protect against such risks and monitor their implementation.

The Financial Conduct Authority (FCA) has taken important measures to tackle the issue of financial mis-selling in the UK, including enforcement action, compensation schemes, and new regulations to increase disclosure and transparency. Examples of past mis-selling scandals include Payment Protection Insurance (PPI), Interest Rate Hedging Products (IRHP), endowment mortgages, and pension mis-selling. These cases highlight the need for strong regulatory frameworks and ongoing oversight in order to protect consumers and ensure fair treatment in the financial services sector. Despite the FCA's efforts, mis-selling continues to be an issue in the UK. Different products and services may be more or less vulnerable to mis-selling, and it is important that both regulators and industry participants remain alert and vigilant in order to ensure the safety of consumers.

Those who believe they have been mis-sold a financial product or service should contact the firm responsible and follow the procedures outlined above to determine if they are eligible for compensation.

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