FCA Handbook section 2.7.2 ammendment

W Hunter made this Rhyddid Gwybodaeth request to The Financial Conduct Authority

This request has been closed to new correspondence from the public body. Contact us if you think it ought be re-opened.

Mae'r cais yn aros am eglurhad. Os W Hunter ydych chi, os gwelwch yn dda, mewngofnodi i anfon neges ddilynol.

Dear Financial Conduct Authority,

I have been asking the FCA to address matters regarding the FCA Handbook , specifically in relation to DISP 2.7.2 for a number of months and as yet have still not received any definitive response.

The matter has now proceeded to the point where the FOS has issued what I can only term as a deliberately perverse decision in breach of the accepted use of the English language on a matter placed before the FOS to adjudicate.

An ombudsman has cited the FCA handbook section DISP 2.7.2. to justify her decision when that provision clearly states that the opposite applies.

https://www.handbook.fca.org.uk/handbook...

My contention is that the statement included as DISP 2.7.2 within the FCA Handbook , which is

"A complaint may be brought on behalf of an eligible complainant (or a
deceased person who would have been an eligible complainant) by a person
authorised by the eligible complainant or authorised by law. It is immaterial
whether the person authorised to act on behalf of an eligible complainant is
himself an eligible complainant."

Under the accepted usage of the English Language can be read as:

"A complaint may be brought on behalf of a deceased person who would have been an eligible complainant, by a person authorised by the eligible complainant. It is immaterial whether the person authorised to act on behalf of an eligible complainant is
himself an eligible complainant.

The FOS, in the person of Ombudsman McCarthy, has in her perverse decision interpreted the actual content of DISP 2.7.2. as the following:

"A complaint may NOT be brought on behalf of a deceased person who would have been an eligible complainant by any person UNLESS authorised by law. It is immaterial whether the person authorised to act on behalf of an eligible complainant is himself an eligible complainant.

My interpretation of the content of DISP 2.7.2. complies with accepted use, the interpretation issued by Ms McCarthy on behalf of the FOS re writes the provision of the required regulation to completely change their accepted usage meaning.

Since I believe that the subsequent decision is neither Fair, Impartial or indeed Lawful, and at this time the FOS has failed to respond to a number of FOIA requests regarding these matters within the time limits specified, and is now doing the equivalent of sticking their fingers in their ears and refusing to communicate at all I am submitting these requests to your organisation in the hope of obtaining information.

1. Please provide any policy or procedure within the FCA which allows any member of any other organisation which is ostensibly required to comply with the requirements of the FCA Handbook (Please provide a list of all such organisations), to make a ruling on what they think a regulation should state rather than enforcing what it does state.

2. Please provide any policy or procedure which would allow any person so affected to raise an issue of this type to the FCA and or whether any such policy or procedure exists or has been considered by the FCA to address a deliberate perversion of the regulations specified, stating how this process is undertaken and who it needs to be addressed to.

3. Please provide any documentation in existence within the FCA which shows any attempt or indeed any application to have the provisions of DISP 2.7.2. of the FCA handbook re written, originating from the FOS and or when that application was received and whether any re written portion subsequently came into effect.

4. Please specify any disciplinary procedure or administrative action either internal to or external to the FCA if known, which can be applied to address the actions of any person which are shown to be perverse and in breach of the requirements of the handbook provision.

5. Please provide the name and contact details of the person or persons who were required to certify that the FCA handbook was correct prior to publication, their various positions and the current holders of those positions if different from the original signatories.

6. Please provide any policy or procedure which details who if anyone is authorised to edit or change the content of the FCA Handbook and how any such amendment is to occur.

7. Please specify any information applicable to the enforcement of the FCA Handbook provisions and the name, contact details and position of the person or persons within the FCA who are responsible for interpreting those provisions for any organisation which is required to to use the FCA Handbook.

Yours faithfully,

W Hunter

The Financial Conduct Authority

Thank you for e-mailing the Financial Conduct Authority's Information Access Team. This is an automatic acknowledgement to tell you we have received your email safely. Please do not reply to this email. We will be in touch in due course.

This communication and any attachments contain information which is confidential and may be subject to legal privilege. It is for intended recipients only. If you are not the intended recipient you must not copy, distribute, publish, rely on or otherwise use it without our consent. Some of our communications may contain confidential information which it could be a criminal offence for you to disclose or use without authority. If you have received this email in error please notify [email address] immediately and delete the email from your computer. Further information on the classification and handling of FCA information can be found on the FCA website (http://www.fca.org.uk/site-info/legal/fc...).

The FCA (or, if this email originates from the Payment Systems Regulator Limited, the FCA on behalf of the Payment Systems Regulator Limited / the Payment Systems Regulator Limited) reserves the right to monitor all email communications for compliance with legal, regulatory and professional standards.

This email is not intended to nor should it be taken to create any legal relations or contractual relationships. This email has originated from the Financial Conduct Authority (FCA), or the Payment Systems Regulator Limited.

The Financial Conduct Authority (FCA) is registered as a limited company in England and Wales No. 1920623. Registered office: 25 The North Colonnade, Canary Wharf, London E14 5HS, United Kingdom

The Payment Systems Regulator Limited is registered as a limited company in England and Wales No. 8970864. Registered office: 25 The North Colonnade, Canary Wharf, London E14 5HS, United Kingdom

Switchboard 020 7066 1000

Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment Systems Regulator Limited)

Freedom of Information, The Financial Conduct Authority

1 Atodiad

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Our Ref: FOI5255
 
Dear Mr Hunter,
 
Freedom of Information: Right to know request
 
Thank you for your request under the Freedom of Information Act 2000 (“the
Act”), the details of which are attached in Annex A.
 
Before answering your request is maybe helpful to note, The Financial
Ombudsman Service is operationally independent from the FCA and we have no
remit to intervene in the decisions it makes on individual complaints. 
The Financial Ombudsman Service must determine disputes on the basis of
what the Ombudsman believes to be fair and reasonable in all the
circumstances of the case, taking into account the relevant law,
regulations, regulator’s rules, guidance and standards, relevant codes of
practice and good industry practice. 
 
Turning to your request, our response is outlined as follows.
 
Point 1: The rules in the FCA Handbook generally apply to regulated firms
rather than organisations. The Handbook, which is available here:
[1]https://www.handbook.fca.org.uk/handbook sets out who specific rules
apply to. 
 
Point 2: If firms or consumers have queries or concerns about the rules in
the FCA handbook they can contact us using the contact details on our
website: [2]https://www.handbook.fca.org.uk/contact-us
 
Point 3: We consult on proposed changes to the FCA Handbook rules. In our
consultation papers (CPs), we outline our proposals, ask questions and
invite responses from our varied audiences, including the financial
services industry and consumer organisations. CPs contain draft Handbook
rules.
 
DISP 2.7.2 was last amended on 06/04/2008. The FSA consulted on the
changes in CP 07/14 [3]http://www.fsa.gov.uk/pubs/cp/cp07_14.pdf
 
The FSA said the following about the rule in PS 32 (December 2000):
[4]http://www.fsa.gov.uk/pubs/policy/ps32.pdf
 
“Representatives of eligible complainants (DISP 2.4.14 – 2.4.15)
 
4.13 These rules (previously entitled ‘Eligible complainants: agency
complaints’) have been simplified, but their effect remains unchanged.
They provide for complaints to be brought on behalf of eligible
complainants by ‘a person authorised by the eligible complainant or
authorised by law’. This is intended to ensure that complaints can be
referred to the FOS by, for example, someone acting on behalf of a
deceased person, a child or a person who is prevented by incapacity from
bringing the complaint himself, provided that they are duly authorised to
do so.”
 
The proposed rule at the time said:
 
“2.4.14R A complaint may be brought on behalf of an eligible complainant,
or a deceased person who would have been an eligible complainant, by a
person authorised by the eligible complainant or authorised by law.”
 
Please note that PS 32 (December 2000) was a policy statement issued
jointly by both the FSA and the FOS. CP 07/14 was a consultation which was
held jointly by the FSA and the FOS, the subsequent PS was also issued
jointly by the FSA and the FOS, as was the associated instrument which
made this rule. This rule was made by the FSA in relation to the
Compulsory Jurisdiction and by the FOS (with FSA consent) in relation to
the Voluntary Jurisdiction.
 
Point 4: As explained above, the rules in the FCA Handbook generally apply
to regulated firms. Details of how we supervise firms and our enforcement
powers are available on the FCA website:
 
[5]https://www.fca.org.uk/about/supervision
[6]https://www.fca.org.uk/about/enforcement
 
Point 5: Changes to rules in the FCA Handbook are approved by the FCA
Board. A list of current members of the FCA Board is available on our
website: [7]https://www.fca.org.uk/about/fca-board
 
Point 6: We consult on changes to rules in the FCA Handbook. Final rules
are approved by the FCA Board.
 
Point 7: There is information available on our website about our
enforcement powers: [8]https://www.fca.org.uk/about/enforcement
 
If firms or consumers have queries or concerns about the rules in the FCA
handbook they can contact us using the contact details on our website:
[9]https://www.handbook.fca.org.uk/contact-us
 
Yours sincerely
 
Information Disclosure Team / Cyber and Information Resilience Dept
 
25 The North Colonnade
Canary Wharf
London
E14 5HS
 
Tel:    +44 (0)20 7066 8080
 
[10]www.fca.org.uk
 
 
Annex A
 
1. Please provide any policy or procedure within the FCA which allows any
member of any other organisation which is ostensibly required to comply
with the requirements of the FCA Handbook (Please provide a list of all
such organisations), to make a ruling on what they think a regulation
should state rather than enforcing what it does state.
 
2. Please provide any policy or procedure which would allow any person so
affected to raise an issue of this type to the FCA and or whether any such
policy or procedure exists or has been considered by the FCA to address a
deliberate perversion of the regulations specified, stating how this
process is undertaken and who it needs to be addressed to.
 
3. Please provide any documentation in existence within the FCA which
shows any attempt or indeed any application to have the provisions of DISP
2.7.2. of the FCA handbook re written, originating from the FOS and or
when that application was received and whether any re written portion
subsequently came into effect.
 
4. Please specify any disciplinary procedure or administrative action
either internal to or external to the FCA if known, which can be applied
to address the actions of any person which are shown to be perverse and in
breach of the requirements of the handbook provision.
 
5. Please provide the name and contact details of the person or persons
who were required to certify that the FCA handbook was correct prior to
publication, their various positions and the current holders of those
positions if different from the original signatories.
 
6. Please provide any policy or procedure which details who if anyone is
authorised to edit or change the content of the FCA Handbook and how any
such amendment is to occur.
 
7.  Please specify any information applicable to the enforcement of the
FCA Handbook provisions and the name, contact details and position of the
person or persons within the FCA who are responsible for interpreting
those provisions for any organisation which is required to to use the FCA
Handbook.
 
 
This communication and any attachments contain information which is
confidential and may be subject to legal privilege. It is for intended
recipients only. If you are not the intended recipient you must not copy,
distribute, publish, rely on or otherwise use it without our consent. Some
of our communications may contain confidential information which it could
be a criminal offence for you to disclose or use without authority. If you
have received this email in error please notify [email address]
immediately and delete the email from your computer. Further information
on the classification and handling of FCA information can be found on the
FCA website
(http://www.fca.org.uk/site-info/legal/fc...).

The FCA (or, if this email originates from the Payment Systems Regulator
Limited, the FCA on behalf of the Payment Systems Regulator Limited / the
Payment Systems Regulator Limited) reserves the right to monitor all email
communications for compliance with legal, regulatory and professional
standards.

This email is not intended to nor should it be taken to create any legal
relations or contractual relationships. This email has originated from the
Financial Conduct Authority (FCA), or the Payment Systems Regulator
Limited.

The Financial Conduct Authority (FCA) is registered as a limited company
in England and Wales No. 1920623. Registered office: 25 The North
Colonnade, Canary Wharf, London E14 5HS, United Kingdom

The Payment Systems Regulator Limited is registered as a limited company
in England and Wales No. 8970864. Registered office: 25 The North
Colonnade, Canary Wharf, London E14 5HS, United Kingdom

Switchboard 020 7066 1000

Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment
Systems Regulator Limited)

References

Visible links
1. https://www.handbook.fca.org.uk/handbook
2. https://www.handbook.fca.org.uk/contact-us
3. http://www.fsa.gov.uk/pubs/cp/cp07_14.pdf
4. http://www.fsa.gov.uk/pubs/policy/ps32.pdf
5. https://www.fca.org.uk/about/supervision
6. https://www.fca.org.uk/about/enforcement
7. https://www.fca.org.uk/about/fca-board
8. https://www.fca.org.uk/about/enforcement
9. https://www.handbook.fca.org.uk/contact-us
10. http://www.fca.org.uk/

Dear FCA,

In your opening remarks you specified "The Financial Ombudsman Service must determine disputes on the basis of what the Ombudsman believes to be fair and reasonable in all the circumstances of the case, taking into account the relevant law, regulations, regulator’s rules, guidance and standards, relevant codes of practice and good industry practice. "
In respect to the FCA Handbook please specify which of the following terms "relevant law, regulations, regulator’s rules, guidance and standards, relevant codes of practice and good industry practice" are applicable to paragraph 2.7.2. of the handbook and also the remaining contents of the handbook.
In the response portion of your reply you have failed almost completely to respond to any question.

Q1. Please provide any policy or procedure within the FCA which allows any
member of any other organisation which is ostensibly required to comply
with the requirements of the FCA Handbook (Please provide a list of all
such organisations), to make a ruling on what they think a regulation
should state rather than enforcing what it does state.

A1 Point 1: The rules in the FCA Handbook generally apply to regulated firms
rather than organisations. The Handbook, which is available here:
[1]https://www.handbook.fca.org.uk/handbook sets out who specific rules
apply to.

Your answer fails to address the question, has not provided the details of any policy or procedure and has not provided a list or link to any list of organisations or companies or firms to which the handbook applies whilst providing a link to the whole handbook.

Q2. Please provide any policy or procedure which would allow any person so
affected to raise an issue of this type to the FCA and or whether any such
policy or procedure exists or has been considered by the FCA to address a
deliberate perversion of the regulations specified, stating how this
process is undertaken and who it needs to be addressed to.
A2. Point 2: If firms or consumers have queries or concerns about the rules in
the FCA handbook they can contact us using the contact details on our
website: [2]https://www.handbook.fca.org.uk/contact-us
Your answer has failed to provide any policy or procedure under which any person can raise this matter nor have you specified whether any such policy or procedure has been considered to address deliberate perversion of the FCA handbook.

Q3. Please provide any documentation in existence within the FCA which
shows any attempt or indeed any application to have the provisions of DISP
2.7.2. of the FCA handbook re written, originating from the FOS and or
when that application was received and whether any re written portion
subsequently came into effect.
A3. Point 3: We consult on proposed changes to the FCA Handbook rules. In our
consultation papers (CPs), we outline our proposals, ask questions and
invite responses from our varied audiences, including the financial
services industry and consumer organisations. CPs contain draft Handbook
rules.

DISP 2.7.2 was last amended on 06/04/2008. The FSA consulted on the
changes in CP 07/14 [3]http://www.fsa.gov.uk/pubs/cp/cp07_14.pdf

The FSA said the following about the rule in PS 32 (December 2000):
[4]http://www.fsa.gov.uk/pubs/policy/ps32.pdf

“Representatives of eligible complainants (DISP 2.4.14 – 2.4.15)

4.13 These rules (previously entitled ‘Eligible complainants: agency
complaints’) have been simplified, but their effect remains unchanged.
They provide for complaints to be brought on behalf of eligible
complainants by ‘a person authorised by the eligible complainant or
authorised by law’. This is intended to ensure that complaints can be
referred to the FOS by, for example, someone acting on behalf of a
deceased person, a child or a person who is prevented by incapacity from
bringing the complaint himself, provided that they are duly authorised to
do so.”

The proposed rule at the time said:

“2.4.14R A complaint may be brought on behalf of an eligible complainant,
or a deceased person who would have been an eligible complainant, by a
person authorised by the eligible complainant or authorised by law.”

Please note that PS 32 (December 2000) was a policy statement issued
jointly by both the FSA and the FOS. CP 07/14 was a consultation which was
held jointly by the FSA and the FOS, the subsequent PS was also issued
jointly by the FSA and the FOS, as was the associated instrument which
made this rule. This rule was made by the FSA in relation to the
Compulsory Jurisdiction and by the FOS (with FSA consent) in relation to
the Voluntary Jurisdiction.
Your answer has failed to provide any documentation in existence within the FCA which
shows any attempt or indeed any application to have the provisions of DISP
2.7.2. of the FCA handbook re written, originating from the FOS, nor have you specified when any application was received and whether any re written portion
subsequently came into effect.

Q4. Please specify any disciplinary procedure or administrative action
either internal to or external to the FCA if known, which can be applied
to address the actions of any person which are shown to be perverse and in
breach of the requirements of the handbook provision.

A4. Point 4: As explained above, the rules in the FCA Handbook generally apply
to regulated firms. Details of how we supervise firms and our enforcement
powers are available on the FCA website:

[5]https://www.fca.org.uk/about/supervision
[6]https://www.fca.org.uk/about/enforcement
Your answer has failed to provide any disciplinary procedure or administrative action internal to or external to the FCA which are applicable to address the actions of any person which are shown to be perverse and in breach of the requirements of the handbook provision.

Q5. Please provide the name and contact details of the person or persons
who were required to certify that the FCA handbook was correct prior to
publication, their various positions and the current holders of those
positions if different from the original signatories.
A5. Point 5: Changes to rules in the FCA Handbook are approved by the FCA
Board. A list of current members of the FCA Board is available on our
website: [7]https://www.fca.org.uk/about/fca-board
Your answer has failed to identify the staff who certified the FCA Handbook prior to publication, their contact details or positions within the organisation.
The link you have provided shows the current board members and their positions but fails to provide any contact information.

Q6. Please provide any policy or procedure which details who if anyone is
authorised to edit or change the content of the FCA Handbook and how any
such amendment is to occur.
A6. Point 6: We consult on changes to rules in the FCA Handbook. Final rules
are approved by the FCA Board.
Your answer has failed to provide any policy or procedure documentation in respect to changes to the FCA Handbook.

Q7. Please specify any information applicable to the enforcement of the
FCA Handbook provisions and the name, contact details and position of the
person or persons within the FCA who are responsible for interpreting
those provisions for any organisation which is required to use the FCA
Handbook.

A7. Point 7: There is information available on our website about our
enforcement powers: [8]https://www.fca.org.uk/about/enforcement

If firms or consumers have queries or concerns about the rules in the FCA
handbook they can contact us using the contact details on our website:
[9]https://www.handbook.fca.org.uk/contact-us

Your answer has failed to identify any name, contact details or position of anyone within the FCA who are responsible for interpreting those provisions for any organisation which is required to use the FCA Handbook.
The ability to fail to answer 7 questions almost in their entirety appears to have been a team effort as no single individual has identified themselves as the author of this response.
Perhaps someone who can read and understand the English language and who is not applying themselves to failing to answer might attempt to correct this matter.

Yours sincerely,

W Hunter

The Financial Conduct Authority

Thank you for e-mailing the Financial Conduct Authority's Information Access Team. This is an automatic acknowledgement to tell you we have received your email safely. Please do not reply to this email. We will be in touch in due course.

This communication and any attachments contain information which is confidential and may be subject to legal privilege. It is for intended recipients only. If you are not the intended recipient you must not copy, distribute, publish, rely on or otherwise use it without our consent. Some of our communications may contain confidential information which it could be a criminal offence for you to disclose or use without authority. If you have received this email in error please notify [email address] immediately and delete the email from your computer. Further information on the classification and handling of FCA information can be found on the FCA website (http://www.fca.org.uk/site-info/legal/fc...).

The FCA (or, if this email originates from the Payment Systems Regulator Limited, the FCA on behalf of the Payment Systems Regulator Limited / the Payment Systems Regulator Limited) reserves the right to monitor all email communications for compliance with legal, regulatory and professional standards.

This email is not intended to nor should it be taken to create any legal relations or contractual relationships. This email has originated from the Financial Conduct Authority (FCA), or the Payment Systems Regulator Limited.

The Financial Conduct Authority (FCA) is registered as a limited company in England and Wales No. 1920623. Registered office: 25 The North Colonnade, Canary Wharf, London E14 5HS, United Kingdom

The Payment Systems Regulator Limited is registered as a limited company in England and Wales No. 8970864. Registered office: 25 The North Colonnade, Canary Wharf, London E14 5HS, United Kingdom

Switchboard 020 7066 1000

Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment Systems Regulator Limited)

Freedom of Information Appeals, The Financial Conduct Authority

1 Atodiad

Our Ref: FOI5255

 

Dear Mr Hunter

 

Freedom of Information: Right to know request

 

Thank you for your email dated 28 July 2017, regarding the information you
have requested under the Freedom of Information Act 2000. 

 

We are considering the points you have raised and will contact you again
as soon as possible.  If it is likely to take more than 20 working days
from the date of receiving your email to respond in full, we will write to
you again.

 

Yours sincerely

 

Karen Mullins

Associate / Information Disclosure Team / Cyber and Information Resilience
Department 

[1]Description: cid:image001.png@01D2A7C9.64DDD390

25 The North Colonnade

Canary Wharf

London

E14 5HS

 

Tel:    +44 (0)20 7066 9214
Fax:   +44 (0)20 7066 9261

[2]www.fca.org.uk

 

This communication and any attachments contain information which is
confidential and may be subject to legal privilege. It is for intended
recipients only. If you are not the intended recipient you must not copy,
distribute, publish, rely on or otherwise use it without our consent. Some
of our communications may contain confidential information which it could
be a criminal offence for you to disclose or use without authority. If you
have received this email in error please notify [email address]
immediately and delete the email from your computer. Further information
on the classification and handling of FCA information can be found on the
FCA website
(http://www.fca.org.uk/site-info/legal/fc...).

The FCA (or, if this email originates from the Payment Systems Regulator
Limited, the FCA on behalf of the Payment Systems Regulator Limited / the
Payment Systems Regulator Limited) reserves the right to monitor all email
communications for compliance with legal, regulatory and professional
standards.

This email is not intended to nor should it be taken to create any legal
relations or contractual relationships. This email has originated from the
Financial Conduct Authority (FCA), or the Payment Systems Regulator
Limited.

The Financial Conduct Authority (FCA) is registered as a limited company
in England and Wales No. 1920623. Registered office: 25 The North
Colonnade, Canary Wharf, London E14 5HS, United Kingdom

The Payment Systems Regulator Limited is registered as a limited company
in England and Wales No. 8970864. Registered office: 25 The North
Colonnade, Canary Wharf, London E14 5HS, United Kingdom

Switchboard 020 7066 1000

Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment
Systems Regulator Limited)

References

Visible links
2. http://www.fca.org.uk/

Freedom of Information Appeals, The Financial Conduct Authority

1 Atodiad

Our Ref: FOI5255

 

Dear Mr Hunter

 

Freedom of Information: Right to know request

 

Further to our e-mail dated 7 August 2017, I am writing to inform you that
we have not yet reached a decision regarding your request for an internal
review of the FCA’s response to your information request with the above
reference, made under the Freedom of Information Act 2000.

 

We are still considering this matter and hope to be in a position to
respond to you by Monday 11 September 2017, although should we be in a
position to contact you sooner we will do so.

 

Thanking you.

 

Yours sincerely

 

 

Karen Mullins

Associate / Information Disclosure Team / Cyber and Information Resilience
Department 

[1]Description: cid:image001.png@01D2A7C9.64DDD390

25 The North Colonnade

Canary Wharf

London

E14 5HS

 

Tel:    +44 (0)20 7066 9214
Fax:   +44 (0)20 7066 9261

[2]www.fca.org.uk

 

This communication and any attachments contain information which is
confidential and may be subject to legal privilege. It is for intended
recipients only. If you are not the intended recipient you must not copy,
distribute, publish, rely on or otherwise use it without our consent. Some
of our communications may contain confidential information which it could
be a criminal offence for you to disclose or use without authority. If you
have received this email in error please notify [email address]
immediately and delete the email from your computer. Further information
on the classification and handling of FCA information can be found on the
FCA website
(http://www.fca.org.uk/site-info/legal/fc...).

The FCA (or, if this email originates from the Payment Systems Regulator
Limited, the FCA on behalf of the Payment Systems Regulator Limited / the
Payment Systems Regulator Limited) reserves the right to monitor all email
communications for compliance with legal, regulatory and professional
standards.

This email is not intended to nor should it be taken to create any legal
relations or contractual relationships. This email has originated from the
Financial Conduct Authority (FCA), or the Payment Systems Regulator
Limited.

The Financial Conduct Authority (FCA) is registered as a limited company
in England and Wales No. 1920623. Registered office: 25 The North
Colonnade, Canary Wharf, London E14 5HS, United Kingdom

The Payment Systems Regulator Limited is registered as a limited company
in England and Wales No. 8970864. Registered office: 25 The North
Colonnade, Canary Wharf, London E14 5HS, United Kingdom

Switchboard 020 7066 1000

Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment
Systems Regulator Limited)

References

Visible links
2. http://www.fca.org.uk/

Freedom of Information Appeals, The Financial Conduct Authority

3 Atodiad

Our ref: FOI5255

 

Dear Mr Hunter

 

Freedom of Information: Right to know request

 

I refer to our e-mail dated 25 August 2017.  I am writing to inform you
that we have not yet concluded our review of the FCA’s response to the
information you requested, which we have allocated the above reference.

 

We are still considering this matter and hope to be in a position to
respond to you by Monday 18 September 2017, although should we be in a
position to contact you sooner we will do so.

 

Please accept my apologies for this delay.

 

Thanking you.

 

Yours sincerely

 

 

 

Graham Holmes

Case Officer / Information Disclosure Team / Cyber and Information
Resilience Department

[1]Description: cid:image001.png@01D2A7C9.64DDD390

25 The North Colonnade

Canary Wharf

London

E14 5HS

 

Tel (FOI Helpline):    +44 (0)20 7066 8080

[2]www.fca.org.uk

 

Follow us:

 

[3]Description: https://g.twimg.com/Twitter_logo_blue.pn...
image003

 

This communication and any attachments contain information which is
confidential and may be subject to legal privilege. It is for intended
recipients only. If you are not the intended recipient you must not copy,
distribute, publish, rely on or otherwise use it without our consent. Some
of our communications may contain confidential information which it could
be a criminal offence for you to disclose or use without authority. If you
have received this email in error please notify [email address]
immediately and delete the email from your computer. Further information
on the classification and handling of FCA information can be found on the
FCA website
(http://www.fca.org.uk/site-info/legal/fc...).

The FCA (or, if this email originates from the Payment Systems Regulator
Limited, the FCA on behalf of the Payment Systems Regulator Limited / the
Payment Systems Regulator Limited) reserves the right to monitor all email
communications for compliance with legal, regulatory and professional
standards.

This email is not intended to nor should it be taken to create any legal
relations or contractual relationships. This email has originated from the
Financial Conduct Authority (FCA), or the Payment Systems Regulator
Limited.

The Financial Conduct Authority (FCA) is registered as a limited company
in England and Wales No. 1920623. Registered office: 25 The North
Colonnade, Canary Wharf, London E14 5HS, United Kingdom

The Payment Systems Regulator Limited is registered as a limited company
in England and Wales No. 8970864. Registered office: 25 The North
Colonnade, Canary Wharf, London E14 5HS, United Kingdom

Switchboard 020 7066 1000

Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment
Systems Regulator Limited)

References

Visible links
2. http://www.fca.org.uk/
3. https://twitter.com/TheFCA
4. https://www.linkedin.com/company/financi...

Freedom of Information Appeals, The Financial Conduct Authority

3 Atodiad

Our Ref: FOI5255

 

Dear Mr Hunter,

 

Freedom of Information: Right to know request

 

Please find attached the outcome of the internal review of the information
you requested under the Freedom of Information Act 2000, with the above
reference.

 

As you may be aware, we would normally aim to complete a review within 20
working days.  In this case the review has taken longer, for which we
apologise.

 

For ease of reference, I have also included the hyperlinks provided in our
reply:

 

[1]https://www.handbook.fca.org.uk/handbook...

 

[2]https://www.fca.org.uk/about/enforcement

 

[3]https://www.fca.org.uk/publications/sear...

 

[4]https://www.fca.org.uk/publication/corpo...

 

[5]www.ico.org.uk

 

 

Thanking you.

 

K Mullins

Associate / Information Disclosure Team / Cyber and Information Resilience
Department 

[6]Description: cid:image001.png@01D2A7C9.64DDD390

25 The North Colonnade

Canary Wharf

London

E14 5HS

 

Tel:    +44 (0)20 7066 9214
Fax:   +44 (0)20 7066 9261

[7]www.fca.org.uk

 

This communication and any attachments contain information which is
confidential and may be subject to legal privilege. It is for intended
recipients only. If you are not the intended recipient you must not copy,
distribute, publish, rely on or otherwise use it without our consent. Some
of our communications may contain confidential information which it could
be a criminal offence for you to disclose or use without authority. If you
have received this email in error please notify [email address]
immediately and delete the email from your computer. Further information
on the classification and handling of FCA information can be found on the
FCA website
(http://www.fca.org.uk/site-info/legal/fc...).

The FCA (or, if this email originates from the Payment Systems Regulator
Limited, the FCA on behalf of the Payment Systems Regulator Limited / the
Payment Systems Regulator Limited) reserves the right to monitor all email
communications for compliance with legal, regulatory and professional
standards.

This email is not intended to nor should it be taken to create any legal
relations or contractual relationships. This email has originated from the
Financial Conduct Authority (FCA), or the Payment Systems Regulator
Limited.

The Financial Conduct Authority (FCA) is registered as a limited company
in England and Wales No. 1920623. Registered office: 25 The North
Colonnade, Canary Wharf, London E14 5HS, United Kingdom

The Payment Systems Regulator Limited is registered as a limited company
in England and Wales No. 8970864. Registered office: 25 The North
Colonnade, Canary Wharf, London E14 5HS, United Kingdom

Switchboard 020 7066 1000

Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment
Systems Regulator Limited)

References

Visible links
1. https://www.handbook.fca.org.uk/handbook...
2. https://www.fca.org.uk/about/enforcement
3. https://www.fca.org.uk/publications/sear...
4. https://www.fca.org.uk/publication/corpo...
5. http://www.ico.org.uk/
7. http://www.fca.org.uk/

Freedom of Information Appeals, The Financial Conduct Authority

3 Atodiad

Our Ref: FOI5255

 

Dear Mr Hunter,

 

Freedom of Information: Right to know request

 

I understand that you tried to contact Mr Choyce earlier today about his
response to your internal review request issued yesterday.

 

Unfortunately, Mr Choyce is now away from the office until 2 October 2017
however I understand that you have subsequently spoken to my colleague
Maurizio Renesto.

 

If you if you are not content with the outcome of the internal review, you
have a right of appeal to the Information Commissioner at the following
address: Information Commissioner’s Office, Wycliffe House, Water Lane,
Wilmslow, Cheshire, SK9 5AF.  Telephone: 01625 545 700, Website:
[1]www.ico.org.uk.

 

Regards

 

K Mullins

Associate / Information Disclosure Team / Cyber and Information Resilience
Department 

[2]Description: cid:image001.png@01D2A7C9.64DDD390

25 The North Colonnade

Canary Wharf

London

E14 5HS

 

Tel:    +44 (0)20 7066 9214
Fax:   +44 (0)20 7066 9261

[3]www.fca.org.uk

 

 

 

 

From: Freedom of Information Appeals
Sent: 14 September 2017 16:14
To: 'W Hunter'
Cc: Freedom of Information Appeals
Subject: FOI5255 - Freedom of Information: Right to know request (Internal
review - outcome)

 

Our Ref: FOI5255

 

Dear Mr Hunter,

 

Freedom of Information: Right to know request

 

Please find attached the outcome of the internal review of the information
you requested under the Freedom of Information Act 2000, with the above
reference.

 

As you may be aware, we would normally aim to complete a review within 20
working days.  In this case the review has taken longer, for which we
apologise.

 

For ease of reference, I have also included the hyperlinks provided in our
reply:

 

[4]https://www.handbook.fca.org.uk/handbook...

 

[5]https://www.fca.org.uk/about/enforcement

 

[6]https://www.fca.org.uk/publications/sear...

 

[7]https://www.fca.org.uk/publication/corpo...

 

[8]www.ico.org.uk

 

 

Thanking you.

 

K Mullins

Associate / Information Disclosure Team / Cyber and Information Resilience
Department 

[9]Description: cid:image001.png@01D2A7C9.64DDD390

25 The North Colonnade

Canary Wharf

London

E14 5HS

 

Tel:    +44 (0)20 7066 9214
Fax:   +44 (0)20 7066 9261

[10]www.fca.org.uk

 

This communication and any attachments contain information which is
confidential and may be subject to legal privilege. It is for intended
recipients only. If you are not the intended recipient you must not copy,
distribute, publish, rely on or otherwise use it without our consent. Some
of our communications may contain confidential information which it could
be a criminal offence for you to disclose or use without authority. If you
have received this email in error please notify [email address]
immediately and delete the email from your computer. Further information
on the classification and handling of FCA information can be found on the
FCA website
(http://www.fca.org.uk/site-info/legal/fc...).

The FCA (or, if this email originates from the Payment Systems Regulator
Limited, the FCA on behalf of the Payment Systems Regulator Limited / the
Payment Systems Regulator Limited) reserves the right to monitor all email
communications for compliance with legal, regulatory and professional
standards.

This email is not intended to nor should it be taken to create any legal
relations or contractual relationships. This email has originated from the
Financial Conduct Authority (FCA), or the Payment Systems Regulator
Limited.

The Financial Conduct Authority (FCA) is registered as a limited company
in England and Wales No. 1920623. Registered office: 25 The North
Colonnade, Canary Wharf, London E14 5HS, United Kingdom

The Payment Systems Regulator Limited is registered as a limited company
in England and Wales No. 8970864. Registered office: 25 The North
Colonnade, Canary Wharf, London E14 5HS, United Kingdom

Switchboard 020 7066 1000

Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment
Systems Regulator Limited)

References

Visible links
1. http://www.ico.org.uk/
3. http://www.fca.org.uk/
4. https://www.handbook.fca.org.uk/handbook...
5. https://www.fca.org.uk/about/enforcement
6. https://www.fca.org.uk/publications/sear...
7. https://www.fca.org.uk/publication/corpo...
8. http://www.ico.org.uk/
10. http://www.fca.org.uk/

Freedom of Information Appeals, The Financial Conduct Authority

1 Atodiad

Our Ref: FOI5255

 

Dear Mr Hunter,

 

Freedom of Information: Right to know request

 

I refer to your telephone conversation with Cosmo Gibson in the
Cross-Sectoral and Funds Policy Department on 18 September 2017.

 

You raised concerns about the outcome of your internal review and asked
that our response be revisited in the light of your comments. I confirm
that we will make Mr Choyce, the FCA internal reviewer, aware of your
views when he returns to the office on 2 October 2017 and will let you
know his decision.

 

Yours sincerely

 

K Mullins

Associate / Information Disclosure Team / Cyber and Information Resilience
Department 

[1]Description: cid:image001.png@01D2A7C9.64DDD390

25 The North Colonnade

Canary Wharf

London

E14 5HS

 

Tel:    +44 (0)20 7066 9214
Fax:   +44 (0)20 7066 9261

[2]www.fca.org.uk

 

This communication and any attachments contain information which is
confidential and may be subject to legal privilege. It is for intended
recipients only. If you are not the intended recipient you must not copy,
distribute, publish, rely on or otherwise use it without our consent. Some
of our communications may contain confidential information which it could
be a criminal offence for you to disclose or use without authority. If you
have received this email in error please notify [email address]
immediately and delete the email from your computer. Further information
on the classification and handling of FCA information can be found on the
FCA website
(http://www.fca.org.uk/site-info/legal/fc...).

The FCA (or, if this email originates from the Payment Systems Regulator
Limited, the FCA on behalf of the Payment Systems Regulator Limited / the
Payment Systems Regulator Limited) reserves the right to monitor all email
communications for compliance with legal, regulatory and professional
standards.

This email is not intended to nor should it be taken to create any legal
relations or contractual relationships. This email has originated from the
Financial Conduct Authority (FCA), or the Payment Systems Regulator
Limited.

The Financial Conduct Authority (FCA) is registered as a limited company
in England and Wales No. 1920623. Registered office: 25 The North
Colonnade, Canary Wharf, London E14 5HS, United Kingdom

The Payment Systems Regulator Limited is registered as a limited company
in England and Wales No. 8970864. Registered office: 25 The North
Colonnade, Canary Wharf, London E14 5HS, United Kingdom

Switchboard 020 7066 1000

Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment
Systems Regulator Limited)

References

Visible links
2. http://www.fca.org.uk/