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Sutherland Independent Financial Advisers Limited (0261/00)

Current Status: No longer registered as an Appointed Representative

Reference Number: 114692

Website: Not Listed

Link to FCA: https://register.fca.org.uk/s/firm?id=001b000000Mf9sfAAB


The Mustard House
13/14 Barton Street
GL20 5PP
G L 2 0 5 P P


0/5 (0 Reviews)

A firm that has been designated as "No longer authorised" by the Financial Conduct Authority (FCA) may have had its authorisation removed for a variety of reasons. This could include voluntary cancellation due to changes in the firm's 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 due to a specific incident or a pattern of misconduct; enforcement action taken by the FCA for breaches of regulatory requirements or misconduct; failure to pay the required FCA fees; or if the firm has been inactive for a certain period and has not provided regulated services. It is essential to check the FCA register or contact the FCA directly for more information about a specific firm's authorisation status and reasons for any changes.

Various factors may 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. Firms should ensure that they have adequate measures in place to identify, mitigate, and address these risks.

The UK Financial Conduct Authority (FCA) has taken significant action to address mis-selling in the financial services sector, including enforcement actions, compensation schemes, and the introduction of new regulations to improve disclosure and transparency. Nevertheless, a number of high-profile cases, such as Payment Protection Insurance (PPI), Interest Rate Hedging Products (IRHP), endowment mortgages, and pension mis-selling, have highlighted how mis-selling can occur, leading to significant losses for consumers and businesses. To ensure fair treatment in the financial services industry and protect consumers from mis-selling, it is essential that regulators and the industry remain vigilant and continue to strengthen enforcement and oversight.

If you believe you have been mis-sold a financial product or service, the first step is to contact the firm responsible and file a formal complaint. If they reject your complaint or you are not satisfied with their response, you can escalate the issue to the Financial Ombudsman Service. If the firm is no longer in business or has been declared in default, you may be able to file a claim with the Financial Services Compensation Scheme. However, it is important to act promptly and seek independent financial or legal advice for complex or high-value claims.

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