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Page & Page (Financial Services) Limited

Current Status: No longer authorised

Reference Number: 116280

Website: www.pageandpage.co.uk

Link to FCA: https://register.fca.org.uk/s/firm?id=001b000000MfEExAAN



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A firm with the status "No longer authorised" may have had its authorisation removed by the Financial Conduct Authority (FCA) for a variety of reasons. This could be due to 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 more information regarding the specific firm's authorisation status and reasons for any changes.

Common 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.

The Financial Conduct Authority (FCA) has taken significant measures to tackle financial mis-selling in the UK, with enforcement actions, compensation schemes, and new regulations to improve disclosure and transparency. Such cases have included Payment Protection Insurance (PPI), Interest Rate Hedging Products (IRHP), Endowment mortgages, and Pension mis-selling. These high-profile cases demonstrate the need for a regulatory framework that safeguards consumers from mis-selling and upholds fair treatment in the financial services industry. Although the FCA has taken action to address the issue, mis-selling of financial products and services still occurs, and vigilance is required from both regulators and the industry to ensure consumers are protected.

If you have been mis-sold a financial product or service in the UK, you may be eligible to claim compensation. The process usually involves the following steps: 1. Contact the firm: Get in touch with the firm that sold the product or service and file a formal complaint with all relevant details and evidence of mis-selling. The firm is obliged to investigate and respond to the complaint within eight weeks. 2. Financial Ombudsman Service (FOS): If the firm rejects the complaint or the consumer is not satisfied with the response, they can take the issue to the Financial Ombudsman Service. This is an independent body that resolves disputes between consumers and financial services providers. They will review the case, consider both sides of the argument, and make a decision. The FOS is free for consumers, and their decisions are legally binding on the firm. 3. Financial Services Compensation Scheme (FSCS): If the firm responsible for the mis-selling is no longer in business or has been declared in default, consumers can file a claim with the Financial Services Compensation Scheme. This is a statutory compensation fund that provides compensation to customers when authorized financial services firms fail or are unable to meet claims. There are limits to the amount of compensation the FSCS can pay, which depend on the type of financial product or service involved. It is important to act promptly when seeking compensation for mis-selling, as there may be time limits for filing claims. You may also want to seek independent financial or legal advice, especially if the claim is complex or involves a large sum of money. Remember that while these general steps apply to most cases of financial mis-selling in the UK, specific processes and eligibility criteria may differ depending on the financial product, service, or circumstances involved.

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