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financial services industry is highly regulated and companies selling financial products or counsel must cling to a stringent set of guidelines set out by the industry's independent regulatory body, the Financial Services Authority. The FSA has wide-ranging rule-making, enforcement and investigatory powers and your rights as a consumer are well protected.
The intention of the FSA is to promote effective, orderly and fair marts and to help retail buyers attain a just deal' (source: and it has four conviction objectives: to subserve positiveness in the industry, to boost public comprehending of the financial system, to protect clients and to dwindle financial offense.
Companies have to be authorised by the FSA in order to sell financial products and services. This includes banks, erection societies [link widoczny dla zalogowanych], investment companies, mortgage providers, warranty firms, financial advisors and pensions dealers. They must obey with the guidelines set out by the FSA in its Handbook. Broadly speaking [link widoczny dla zalogowanych], the rules that financial companies must follow are to:
be trustworthy and financially secure
provide clear information to help you make financial decisions, such as opener facts' and key features' of products and services
give professional, able advice
have clear and linear procedures for making a complaint
inform you about wage methods
You can detect out whether a company is authorised by the FSA by using the Check Service on the FSA's website.
If you have a complaint about a monetary production or service you have bought, you ought contact the enterprise in the premier example. If the complaint isn't resolved to you satisfaction here, you ought then contact an neutral complaint scheme such as the Financial Ombudsman Service. The Ombudsman ambition carry out an impartial investigation into the complaint and ambition offer to determine it. You don't have to approve the Ombudsman's findings, yet if you do they are legally binding above either you and the company with whom you have a complaint. If you don't coincide with the discoveries and absence to take the matter beyond, the next step namely to take your circumstance to court.
Banks and building societies also have their own voluntary code of behaviour for promoting best practice and ensuring that customers are treated fairly and reasonably. Managed by the Banking Code Standards Board, it's known simply as the Banking Code and maximum major tall avenue banks have signed up to it. Products and services covered by the Code contain bank accounts, overdrafts, loans [link widoczny dla zalogowanych], honor cards and diplomatic commutes.
Some of the key rules to which the participating banks and building societies agree to adhere are:
providing clear information on products and services and how they work
ensuring that promotional matter and advertising are precise and not misleading
keeping buyers advised by sending regular statements and narrating customers approximately changes to terms and conditions, charges alternatively interest rates
acting promptly and fairly to handle with complaints when entities go wrong
using secure and secure systems and keeping private message confidential
promoting the Banking Code and ensuring that employees understand and obey by it
The Banking Code Standards Board isn't capable to investigate individual complaints on benefit of consumers, but its helpdesk tin invest serviceable information and advocate. If you have a grievance that you've been incapable to sort out with the company cared, you should take it to the Financial Ombudsman Service.