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Thomas Gibson (Life & Pensions Consultants) Limited

Current Status: Revoked

Reference Number: 149470

Website: Not Listed

Link to FCA: https://register.fca.org.uk/s/firm?id=001b000000MfGA6AAN


This firm has been subject to disciplinary or regulatory action. That action may be historic or it may currently affect the regulated activities they are permitted to do. Check the record and contact the FCA if you need further help.

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A firm with the status "No longer authorised" may have had its authorisation revoked for several 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 consult the FCA register or contact the FCA to gain more insight into why a particular firm has had its authorisation revoked.

Potential causes of non-compliance can include inadequate systems and controls, poor governance, insufficient staff training, misleading disclosures, conflicts of interest, breaches of conduct rules, inadequate client protections, financial crime, data protection breaches, and inadequate capital or liquidity. To mitigate the risk of non-compliance, it's important for firms to provide staff with adequate training, identify and manage conflicts of interest, implement appropriate client protections, and maintain sufficient capital and liquidity.

The UK financial services industry has been marred by widespread financial mis-selling in the past, with notable cases relating to Payment Protection Insurance (PPI), Interest Rate Hedging Products (IRHP), endowment mortgages, and pension products. The compensation paid to affected consumers and businesses has reached billions of pounds, demonstrating the severity of the issue. In response, the Financial Conduct Authority (FCA) has introduced several measures to protect consumers from mis-selling and promote fair treatment, such as enforcement actions, compensation schemes, and improved disclosure regulations. Despite these efforts, the risk of mis-selling remains a concern that must be addressed through ongoing oversight and vigilance by both regulators and the industry.

Consumers who have been mis-sold financial products or services in the UK may be eligible to claim compensation. The process typically involves the following steps: first, contacting the firm responsible for the mis-selling and filing a formal complaint; second, escalating the issue to the Financial Ombudsman Service (FOS) if the firm rejects the complaint or the consumer is not satisfied with the response; and third, 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 essential to act promptly, and seeking independent financial or legal advice may be beneficial. Please note that specific processes and eligibility criteria may vary depending on the product, service, or circumstances involved.

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