Financial conduct of local authorities,insolvency service,bank/building society, courts etc

Ed Boyce 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 ymateb i'r cais hwn yn hwyr iawn. Yn ôl y gyfraith, ym mhob amgylchiad, dylai The Financial Conduct Authority fod wedi ymateb erbyn hyn. (manylion). Gallwch gwyno drwy yn gofyn am adolygiad mewnol.

Dear The Financial Conduct Authority,

Financial conduct of local authorities,insolvency service,bank/building society, courts etc

Please provide under the FOIA what policy or information you hold as to the conduct of the above public servants and the law they are required to follow.

Can a local authority become a mortgagee of a home owners private family home without their knowledge or consent, before or after they have applied to make them bankrupt using cherry picked external solicitors etc.

Are they under a duty to be transparent as civil servants or can they conspire and obtain a family home worth hundreds of thousands of pounds extremely cheaply, especially if they are made aware unethically that the mortgage is virtually paid off.

Yours faithfully,

Ed Boyce

The Financial Conduct Authority

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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

 

Our ref:  FOI5946

 

 

Dear Mr Boyce

 

We refer to your request under the Freedom of Information Act 2000 (“the
Act”) for information about the “financial conduct of local authorities,
insolvency service, bank/building society, courts, etc.”

 

Specifically you requested the following:

 

“Please provide under the FOIA what policy or information you hold as to
the conduct of the above public servants and the law they are required to
follow.

 

Can a local authority become a mortgagee of a home owners private family
home without their knowledge or consent, before or after they have applied
to make them bankrupt using cherry picked external solicitors etc.

 

Are they under a duty to be transparent as civil servants or can they
conspire and obtain a family home worth hundreds of thousands of pounds
extremely cheaply, especially if they are made aware unethically that the
mortgage is virtually paid off.”

 

Your request has now been considered and we apologise for the delay in
responding to you.

 

Please be aware that the FCA is the conduct regulator for 58,000 financial
services firms and financial markets in the UK and the prudential
regulator for over 18,000 of those firms.  It does not regulate local
authorities, insolvency services, courts, etc., and we therefore do not
hold any relevant information in respect of these entities.

 

In respect of banks and/or building societies, while the FCA is the
conduct regulator for these entities, the individuals working there are
not considered to be ‘public servants / civil servants’.  All regulated
firms must comply with the rules as set out in the [1]FCA Handbook.  In
addition, where firms are also regulated by the Prudential Regulation
Authority (PRA), they should also refer to the [2]PRA Rulebook.  This
includes banks and building societies.

 

Local authorities are exempt from our rules and would be governed by the
relevant statutory rules that apply to the activities of local
authorities.

 

Yours sincerely

 

 

Information Disclosure Team

Financial Conduct Authority

 

 

 

Your right to complain under the FoI Act

 

If you are unhappy with the decision made in relation to your request, you
have the right to request an internal review.  If you wish to exercise
this right you should contact us within three months of the date of this
response.

 

If you are not content with the outcome of the internal review, you also
have a right of appeal to the Information Commissioner at Information
Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9
5AF.  Telephone: 01625 545 700.  Website: [3]www.ico.org.uk

 

 

 

 

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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: 12 Endeavour Square,
Stratford, London, E20 1JN, United Kingdom

The Payment Systems Regulator Limited is registered as a limited company
in England and Wales No. 8970864. Registered office: 12 Endeavour Square,
Stratford, London, E20 1JN, 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/
2. http://www.prarulebook.co.uk/
3. http://www.ico.org.uk/

Dear Freedom of Information,

This is very worrying especially when local authorities are being treated as private "persons" entities by the courts and not government departments and can become the mortgagee of home owners private homes, after bankrupting them in closed secret hearings within county courts ,via out-side solicitors that the council do not need to have a contract with, and just on the say so of a member of staff 'on a case by case basis' and with no records having to be kept by the council.

The insolvency service will then use this order to freeze bank accounts and rack up huge insolvency practitioners fee, who are also from the " chosen ones" which is the main goal of the asset stripping to then sell off their family home on the cheap via unconscionable actions of all involved in this financial asset stripping conduct.

What a shame no one appears to have been given any power to stop them, especially when they all have the same aim as a group collective.

Yours sincerely,

Ed Boyce

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 may contain personal information. For more information about how and why we use personal information and who to contact with any queries about this, please see our privacy notices: FCA Privacy Notice (https://www.fca.org.uk/data-protection) and PSR Privacy Notice (https://www.psr.org.uk/cookies-privacy-a...).

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)