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Plan Your Retirement Limited

Current Status: No longer authorised

Reference Number: 476475

Website: www.planyourretirement.co.uk

Link to FCA: https://register.fca.org.uk/s/firm?id=001b000000MfyI5AAJ



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A firm that has been designated with the status "No longer authorised" may have had its authorisation revoked by the Financial Conduct Authority (FCA) for a variety of reasons. These may include voluntary cancellation by the firm due to changes in its business model, failing to meet ongoing regulatory requirements, non-compliance with FCA rules and regulations, enforcement action taken by the FCA, failure to pay the required fees, or inactivity. For more information about a particular firm's status and the reasons for any changes, it is necessary to check the FCA register or contact the FCA directly.

Causes of non-compliance can 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. By taking the necessary steps to ensure compliance, firms can protect their reputation, minimize risks, and remain compliant with applicable laws and regulations.

The UK financial services industry has had a history of financial mis-selling, with high-profile cases involving Payment Protection Insurance (PPI), Interest Rate Hedging Products (IRHP), Endowment mortgages and Pension mis-selling. As a result, the Financial Conduct Authority (FCA) has implemented numerous measures, such as enforcement actions, compensation schemes and new regulations, to protect consumers and ensure fair treatment. Despite these efforts, the danger of mis-selling persists and requires ongoing attention from both regulators and the industry.

Consumers who have been mis-sold financial products or services in the UK may be eligible to receive compensation. Generally, the process involves contacting the firm responsible for the mis-selling in the first instance, followed by escalating the issue to the Financial Ombudsman Service (FOS) if the complaint is rejected or the consumer is not satisfied with the response. If the firm is no longer in business or has been declared in default, the consumer can file a claim with the Financial Services Compensation Scheme (FSCS). It is important to act quickly as there are usually time limits for submitting claims. Furthermore, seeking independent financial or legal advice may be beneficial, particularly if the claim is complex or involves a large amount of money.

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