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Universal Mortgage Services Limited

Current Status: No longer authorised

Reference Number: 301028

Website: Not Listed

Link to FCA: https://register.fca.org.uk/s/firm?id=001b000000MfPxEAAV


1st Floor Offices
5 Little Castle Street
T R 1 3 D L


0/5 (0 Reviews)

A firm with the status "No longer authorised" may have had its authorisation revoked for any of the following reasons: 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 directly for more information about the firm's status and the cause of any changes.

Various factors can lead to a breach of these regulations, such as inadequate systems and controls, poor governance, insufficient staff training, misleading or inaccurate disclosures, conflicts of interest, breaches of conduct rules, inadequate client protections, financial crimes, data protection breaches, and inadequate capital or liquidity. To avoid such scenarios, companies should strive to create a culture of compliance and continually assess and enhance their internal systems, controls, and procedures.

The UK financial services industry has experienced several cases of financial mis-selling over the years, including Payment Protection Insurance (PPI), Interest Rate Hedging Products (IRHP), endowment mortgages, and pension mis-selling. In response, the Financial Conduct Authority (FCA) has taken steps to address these issues and protect consumers, such as introducing new regulations and initiating compensation schemes. However, it is important to remain vigilant, as the risk of mis-selling across different financial products and services is still prevalent. It is therefore essential for both regulators and the industry to take proactive measures to ensure fair treatment and consumer protection.

Consumers who have been mis-sold financial products or services in the UK may be eligible to seek compensation. The process typically involves contacting the firm that sold the product or service to file a formal complaint, with the possibility of escalating the issue to the Financial Ombudsman Service if the complaint is rejected or the consumer is not satisfied with the response. In some cases, consumers may be able to file a claim with the Financial Services Compensation Scheme if the firm responsible for the mis-selling is no longer in business or has been declared in default. It is important to act promptly, as there may be time limits for submitting claims, and to consider seeking independent financial or legal advice if the claim is complex. Note that the exact process and eligibility criteria may vary depending on the financial product, service, or circumstances involved.

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