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T Michael & C Williams Associates Limited

Current Status: No longer authorised

Reference Number: 225041

Website: Not Listed

Link to FCA: https://register.fca.org.uk/s/firm?id=001b000000MfSe2AAF


27 Victoria Gardens
West Glamorgan
SA11 3AY
S A 1 1 3 A Y


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A firm's authorisation status may be changed to "No longer authorised" for a variety of reasons, including 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 in order to find out more information about the specific firm's authorisation status and reasons for any changes.

These measures should include adequate systems and controls, staff training, accurate disclosure, management of conflicts of interest, adherence to conduct rules, client protection, financial crime prevention, data protection compliance, and sufficient capital and liquidity.

The UK financial services industry has seen a number of high-profile cases of financial mis-selling in the past, including Payment Protection Insurance (PPI), Interest Rate Hedging Products (IRHP), endowment mortgages and pension mis-selling. This has resulted in millions of consumers being sold unsuitable or unnecessary products, as well as significant losses for small and medium-sized businesses. In response to this problem, the Financial Conduct Authority (FCA) has taken action to address mis-selling issues and protect consumers. This has included introducing new regulations to improve disclosure and transparency, launching enforcement actions and compensation schemes, and conducting ongoing oversight of the sector. Despite these efforts, mis-selling remains a concern in the UK, and there might be varying levels of risk across different financial products and services. It is therefore important for both regulators and the industry to remain vigilant and ensure that consumers are treated fairly.

If you feel you have been mis-sold a financial product or service in the UK, the process for seeking compensation typically involves the following steps: contacting the firm responsible for the mis-selling, escalating the issue to the Financial Ombudsman Service (FOS), and filing a claim with the Financial Services Compensation Scheme (FSCS) if the firm is no longer in business or has been declared in default. It is important to take swift action when seeking compensation, as there may be time limits for submitting claims. Additionally, you may want to consider obtaining independent financial or legal advice, particularly if the claim is complex or involves a large amount of money. Note that processes and eligibility criteria for compensation may differ depending on the type of financial product or service and the circumstances involved.

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