Fraud of the company "[company name removed]"

Jana b Eden 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.

Gwrthodwyd y cais gan The Financial Conduct Authority.

Dear The Financial Conduct Authority,
I am making this request to receive the following information regarding the scam , operated by the company [company name removed].
We know that this illegal Israeli company has a branches in Uk and Cyrus , the branch in the Uk is apparently authorized by FCA.
I need to know whether this company is currently being investigated by the FSA for the fraud.
I have a lot of documents, proving this fraud system and want to know what is being done, regarding this company and at what investigation stage it is currently is.

Best regards
Jana

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 wil 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 PSR, the FCA on behalf of the PSR/the PSR) 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 (PSR).

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 (PSR) 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 (PSR)

Freedom of Information, The Financial Conduct Authority

1 Atodiad

Telephone:  0207 066 8080

Email:         [1][FCA request email]

 

Our ref:        FOI4333

 

Dear Ms Eden

 

Freedom of Information : Right to know request

 

Thank you for your request for information under the Freedom of
Information Act 2000 (the Act), for the following information:

 

“I am making this request to receive the following information

regarding the scam , operated by the company [company name removed].

We know that this illegal Israeli company has a branches in Uk and

Cyrus (stet) , the branch in the Uk is apparently authorized by FCA.

I need to know whether this company is currently being investigated

by the FSA for the fraud.

I have a lot of documents, proving this fraud system and want to

know what is being done, regarding this company and at what

investigation stage it is currently is.”

 

Before I can consider your request there are couple of points I would like
to raise with you which will require your clarification and confirmation
please.

 

Firstly, I need clarification on the specific information you are looking
for. You refer to a company called “[company name removed]”. Please note that the FCA has
2 firms on the FS Register:

 

o [company name removed]UK Ltd (FRN. [registration number removed]) – The firm is listed as being a UK firm
authorised by the FCA
o [company name removed]CY Limited (FRN. [registration number removed]) – The firm is listed as being an EEA
authorised firm and this means the firm can offer certain products or
services in the UK. The firm must meet minimum standards agreed across
all EEA countries.

 

Secondly, you say in your request that the firm is an “illegal Israeli
company”. If you have evidence of illegal trading or of fraud, please send
any documentation you have to our whistleblowing team. We welcome the
sharing of information about the firms we regulate. Whilst we may not
always be able to comment on how this information is utilised due to
confidentiality restrictions placed on us under the Financial Services and
Markets Act (2000) (“FSMA”), such information does provide useful insights
to support our wider supervision activity. The Whistleblowing team can be
contacted on +44 (0)20 7066 9200 or [2][email address]. Alternatively
please contact our Consumer Helpline on 0800 111 6768 or
[3][email address].

 

Whilst awaiting your clarification, please be aware that the FCA does not
comment publicly on whether or not it is investigating a particular firm.
For more information please refer to the Annex.

 

I will be unable to proceed with your request without clarification of
which firm your request relates.

 

If I do not receive a response within 14 days of this email I shall
assume that you no longer wish to pursue your enquiry and will therefore
close your request. In such an event, you would need to submit a new
Freedom of Information request for any information you wish to receive.

 

If you have any queries please contact me.

 

Yours sincerely

 

 

Information Access Team / Finance and Business Services

[4]cid:image003.jpg@01D04D1A.B7D20FF0

Financial Conduct Authority

25 The North Colonnade

Canary Wharf

London

E14 5HS

 

Tel:    +44 (0)20 7066 8080

[5]www.fca.org.uk

 

Annex

 

As indicated above the FCA does not comment publicly on whether or not it
is investigating a particular firm. This policy is set out in the FCA’s
Enforcement Guide (EG); see in particular EG 6 on Publicity.  This may be
found on the FCA website through the following link: 
[6]http://media.fshandbook.info/Handbook/EG...

 

In the event that the FCA is investigating a particular individual/entity
and formal enforcement action is subsequently taken, details of the
outcome of the action will almost always be published on the FCA’s website
in the form of a Final Notice and associated press announcement.  This
serves to inform the public of the action taken and the reasons for that
action.

 

You can obtain further information regarding enforcement action from the
following places:

 

•        Information about those cases where we have taken disciplinary
action against individuals or firms from April 2013 may be found on the
FCA’s website via the following link:

 

[7]http://www.fca.org.uk/your-fca/list?ttyp...

 

•        Information about those cases where we have taken disciplinary
action against individuals or firms prior to April 2013 can still be found
on the FSA’s website via the following link:

 

[8]http://www.fsa.gov.uk/Pages/Library/Comm...

 

•        The website of the Upper Tribunal - this provides information
about the cases where our decision to take enforcement action has been
referred to the Tribunal.  See:

[9]http://www.tribunals.gov.uk/financeandta...

 

 

 

 

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 PSR, the FCA on behalf of
the PSR/the PSR) 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 (PSR).

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 (PSR) 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 (PSR)

 

References

Visible links
1. mailto:[FCA request email]
2. mailto:[email address]
3. mailto:[email address]
5. http://www.fca.org.uk/
6. http://media.fshandbook.info/Handbook/EG...
7. http://www.fca.org.uk/your-fca/list?ttyp...
8. http://www.fsa.gov.uk/Pages/Library/Comm...
9. http://www.tribunals.gov.uk/financeandta...

Dear Freedom of Information,

Thank you very much for your long awaited answer, I am referring to the company

[company name removed] LTD ORD ILS0.01 (DI) ( that is LSE listed company ) I could not find any registration details of this company, please can you confirm that this LSE listed company, that is '[company name removed] ltd ' actually exist. ( hence I mentioned 'illegal '

As per rest of my inquiry, this is regarding the UK company, as this company busts of being authorized by FCA and their subsidiary is in in Cyprus. Since the holding company is responsible for their subsidiaries, I am asking for the informations on holding company. But I could not find this LSE trading company even existing ('[company name removed] ltd')

My second question would be 'whether running a 'bucket shop' and advertising as 'trading platform' would be illegal in the UK and EEA

I am looking forward to your answers, also, if you could locate the company named '[company name removed] ltd' : LSE ( [company name removed] LTD ORD ILS0.01 (DI) ) would be great.

Yours sincerely,

Jana b Eden

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 wil 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 PSR, the FCA on behalf of the PSR/the PSR) 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 (PSR).

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 (PSR) 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 (PSR)

Dear The Financial Conduct Authority,

I am waiting for your promp reply on my previous questions, as well, particularly:

"How is this possible for a an online gambling company, that is pretending to be 'trading company' , that has not even offices in the UK, that pays 78% of profits to Israelly company which has no permission to sell financial products at all, via Ofshore banking, be authorized and regulated by FCA ???'

Yours faithfully,

Jana b Eden

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 wil 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 PSR, the FCA on behalf of the PSR/the PSR) 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 (PSR).

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 (PSR) 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 (PSR)

Freedom of Information, The Financial Conduct Authority

1 Atodiad

 

Telephone:  0207 066 8080

Email:         [1][FCA request email]

 

Our ref:        FOI4333

 

Dear Ms Eden

 

Freedom of Information : Right to know request

 

Thank you for your request under the Freedom of Information Act 2000 (the
Act), for information about [company name removed] Ltd. For full details please refer to
Annex A.

 

Please note we have responded to points 3 and 4 of your request outside of
the Act, You can find answers to point 3 and 4 at Annex C. This is in line
with our policy and guidance produced by the Ministry of Justice and we
have taken this approach as these points were not for 'recorded
information'; instead, you had asked us to provide answers or explanations
to the questions you posed. Please see page 6 of the attached link for
further information:

 

[2]http://ico.org.uk/~/media/documents/libr...

 

Points 1 and 2 of your request have now been considered under the Act. For
point 1, we can neither confirm nor deny whether we hold the information
you have requested. We are of the view that section 31 (Law Enforcement)
of the Act is applicable and that confirming or denying whether we hold
the information you have requested would, or would be likely to, prejudice
the exercise by the FCA of its functions under the Financial Services and
Markets Act 2000 (“FSMA”) for any of the purposes specified in subsection
31(2) of the Act.  For a detailed explanation as to why this exemption
applies please refer to Annex B.

 

Further, to confirm or deny that we hold the information you have
requested for point 1, would, or would be likely to prejudice the
commercial interests of the firm mentioned in your request.  Therefore we
consider that Section 43 (Commercial Interests) of the Freedom of
Information Act applies.  For a detailed explanation as to why the above
exemptions apply please refer to Annex B.

 

However for point 2, we can confirm that [company name removed] Ltd does exist; [company name removed]
Ltd is the Israel headquartered controller of [company name removed]UK Ltd and is listed
on AIM section of the London Stock. [company name removed]UK Ltd is the UK subsidiary,
and it is this entity which is authorised and regulated by the FCA. Please
refer to the [3]investor relation pages of [company name removed]’s website for further
details.

 

Yours sincerely

 

 

Information Access Team / Finance and Business Services

[4]cid:image003.jpg@01D04D1A.B7D20FF0

Financial Conduct Authority

25 The North Colonnade

Canary Wharf

London

E14 5HS

 

Tel:    +44 (0)20 7066 8080

[5]www.fca.org.uk

 

 

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: [6]www.ico.org.uk

 

Annex A

 

Original request received on 14 December 2015:

 

“I am making this request to receive the following information

regarding the scam , operated by the company [company name removed].

We know that this illegal Israeli company has a branches in Uk and

Cyrus (stet) , the branch in the Uk is apparently authorized by FCA.

I need to know whether this company is currently being investigated

by the FSA for the fraud.

I have a lot of documents, proving this fraud system and want to

know what is being done, regarding this company and at what

investigation stage it is currently is.”

 

You clarified your request as follows on 7 January 2016:

 

“…please can you confirm that this LSE listed company, that is '[company name removed]
ltd '

actually exist…

 

My second question would be 'whether running a 'bucket shop' and

advertising as 'trading platform' would be illegal in the UK and

EEA…”

 

You further clarified your request on 16 January 2016:

 

“I am waiting for your promp reply on my previous questions, as

well, particularly:

 

"How is this possible for a an online gambling company, that is

pretending to be 'trading company' , that has not even offices in

the UK, that pays 78% of profits to Israelly company which has no

permission to sell financial products at all, via Ofshore banking,

be authorized and regulated by FCA ???'”

 

 

Please note I have listed below the questions you have raised in your
request for ease of reference in answering your request:

 

1.            I need to know whether this company is currently being
investigated by the FSA for the fraud.

2.            Please can you confirm that this LSE listed company, that is
'[company name removed] ltd ' actually exist

3.            'whether running a 'bucket shop' and advertising as 'trading
platform' would be illegal in the UK and EEA

4.            How is this possible for a an online gambling company, that
is pretending to be 'trading company' , that has not even offices in the
UK, that pays 78% of profits to Israelly company which has no permission
to sell financial products at all, via Ofshore banking, be authorized and
regulated by FCA ???

Annex B

 

·                General right of access to information held by public
authorities

 

Under section 1(1)(a) of the Act, any person making a request for
information to a public authority is entitled to be informed in writing by
the public authority whether it holds information of the description
specified in the request.  If the public authority holds information of
the type specified in the request, the person requesting the information
is entitled under section 1(1)(b) to have the information communicated to
them.  The rights in section 1(1)(a) and (b) are subject to a number of
exclusions and exemptions.

 

•          Section 31 (Law enforcement)

 

Section 31(3) of the Act provides that the duty to confirm or deny does
not arise if the confirmation or denial that would have to be given to
comply with section 1(1)(a) of the Act would, or would be likely to,
prejudice the exercise by the FCA of its functions for any of the purposes
specified in section 31(2).

 

In particular, we believe that paragraphs (b) and (c) of sub-section 31(2)
are engaged. We consider that disclosure of whether or not the FCA is
currently investigating a particular matter, company or individual and any
information relating to the same, would be likely to prejudice:

 

•        the purpose of ascertaining whether any person is responsible for
conduct which is improper,  and

•        the purpose of ascertaining whether circumstances which would
justify regulatory action in pursuance of any enactment exist or may
arise.

 

To the extent that we are looking into the issues you mention (which may,
or may not, be the case in this instance), confirmation that we were or
are specifically looking into this subject may tip off the markets or
firms or individuals, or markets or firms or individuals in similar
positions, of our regulatory interest in this subject which may lead them
to take steps designed to frustrate the regulatory process.  Likewise, a
denial that we were specifically looking into this subject may be taken as
an indication that we had not looked into this issue and might lead
markets or firms or individuals to conclude that the FCA's regulatory
priorities lie elsewhere which may lead them to take steps which, even
inadvertently, may frustrate the regulatory process.

 

Section 31 is a qualified exemption, and we have therefore considered, as
required by the Act, where the balance of public interest lies.

 

Against maintaining the exclusion of the duty to confirm or deny:

 

·                There is a strong public interest in favour of
transparency, and in the public being aware of any enquiries,
considerations or actions we may (or may not) be taking in relation to the
markets and/or firms and/or individuals who are, or may be, operating in
the financial services industry.

 

·         Disclosure of the information (if it were to exist) would
reassure the public about the effectiveness of the regulatory approach
taken by the FCA, and demonstrate how the FCA responds to matters arising
within the sector it regulates.

 

·         Disclosure would also provide information (if it were to exist)
to consumers to assist them in making decisions about their dealings or
potential dealings with the markets, firms and individuals that are, or
may be, operating in the financial services industry.

 

In favour of maintaining the exclusion of the duty to confirm or deny:

 

·                There is a strong public interest in the FCA being able
to carry out its functions in the most effective manner possible.

 

·                Confirmation or denial that we hold information falling
within the scope of the request, has the potential to mislead and
prejudice the financial markets and consumers, because either misconduct
or a clean bill of health may be inferred incorrectly from the mere fact
that we hold or do not hold information falling within the scope of the
request.

 

·                This could also lead to widespread speculation which
could hinder and prejudice the progress of any current and/or future FCA
enquiries, considerations and/or action.  It could also affect the brand
and reputation of the market in the absence of due process having been
followed - i.e. in the absence of any formal public announcement and
without the market having had the opportunity to comment.

 

Having balanced the public interest for and against maintaining the
exclusion of the duty to confirm or deny, as required by the Act, in this
case, in our view the public interest lies in favour of maintaining the
exclusion for the reasons set out above.

 

·                Section 43 (Commercial interests)

 

Section 43(3) of the Act provides that the duty to confirm or deny does
not arise if the confirmation or denial that would have to be given to
comply with section 1(1)(a) would, or would be likely to, prejudice the
commercial interests of any person (including the public authority holding
it) mentioned in section 43(2).

 

The commercial interests of [company name removed]UK Ltd could be harmed by confirming
whether or not we hold the information requested. Were it to be the case
(which we cannot confirm) that we hold any of the information requested, a
confirmation that this was the case could lead to unfair or unjustified
adverse comment and speculation in connection with this firm. This could
affect the brand and reputation of the firm involved in the absence of due
process having been followed - i.e. in the absence of any formal finding
of misconduct and without the firm having had the opportunity to comment. 
Any loss of confidence can have serious, adverse consequences for the firm
and its stakeholders, including employees, investors and creditors.

 

There is a strong public interest in legitimate commercial interests of
firms and individuals not being undermined. This is unless and until such
time as there has been any formal finding of misconduct, following a full
investigation (which, may or may not be the case in this instance) and
details of any such investigation are permitted to be made public under
FSMA.

 

Section 43 is a qualified exemption and therefore we have balanced the
public interest for and against confirmation/denial, as required by the
Act. The factors in favour of and against maintaining the exclusion of the
duty to confirm or deny are identical to those set out for section 31
above.  Therefore in our view the public interest lies against disclosure
for the reasons set out above.

 

In our view, we are satisfied that overall the balance of the public
interest in this case comes down in favour of maintaining the exclusion of
the duty to confirm or deny under section 31(3) and section 43(3) of the
Act and neither confirming nor denying that we hold any information that
falls within the scope of your request.

 

 

Additionally, the FCA has a policy of not commenting publicly on whether
or not it is investigating a particular firm/individual.  This policy is
set out in the FCA’s Enforcement Guide (EG); see in particular EG 6 on
Publicity.  This may be found on the FCA website through the following
link:

 

[7]http://media.fshandbook.info/Handbook/EG...

 

In the event that the FCA is investigating a particular individual/entity
and formal enforcement action is subsequently taken, details of the action
will generally be published on the FCA’s website in the form of a Final
Notice and associated press announcement.  This serves to inform the
public of the action taken and the reasons for that action.

 

You can obtain further information regarding enforcement action from the
following places.

 

•        Information about those cases where we have taken disciplinary
action against individuals or firms since April 2013 may be found on the
FCA’s website via the following link:

 

[8]http://www.fca.org.uk/your-fca/list?ttyp...

 

•        Information about those cases where we have taken disciplinary
action against individuals or firms prior to April 2013 can still be found
on the FSA’s website via the following link:

 

[9]http://www.fsa.gov.uk/Pages/Library/Comm...

 

•        The website of the Upper Tribunal - this provides information
about the cases where our decision to take enforcement action has been
referred to the Tribunal.  See:

 

[10]http://www.tribunals.gov.uk/financeandta...

 

 

Annex C

 

As we havepreviously advised, in line with our policy and guidance
produced by the Ministry of Justice, points 3 and 4 of your request for
information were not dealt with under the formal FoIA regime. This is
because these points were not for 'recorded information'; instead, you had
asked us to provide answers or explanations to the questions you posed.
Instead, we have responded to these points under "routine correspondence",
please see our answers below. Please see page 6 of the attached link for
further information:

 

[11]http://ico.org.uk/~/media/documents/libr...

 

For point 3, you ask if running a 'bucket shop' and advertising as
'trading platform' would be illegal in the UK and EEA. Please be aware
that the FCA doesn’t recognise the term ‘bucket shop’. Firms operating a
trading platform (in order to operate as a CFD provider) have to have the
appropriate approval and permissions in order to legally operate in the
UK. As indicated above [company name removed]UK Ltd is authorised and regulated by the
FCA and has the appropriate permissions. You can view the permission
details for [company name removed]UK Ltd on our FS Register [12]here.

 

Finally for point 4, as we have said above [company name removed]UK Ltd is considered a
trading platform, not an online gambling company and we explain below the
process by which the FCA assesses an application for part IV permission.
The FCA assesses all application against the firm's ability to meet the
Threshold Conditions in order for the FCA to grant authorisations.

 

The Threshold Conditions are made up of the following criteria:

 

·                     Location of offices

·                     Effective supervision

·                     Appropriate resources

·                     Suitability

·                     Business Model

 

Please click below for further information regarding the Threshold Cond 2:

 

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

 

As already indicated to you, if you have evidence of illegal trading or of
fraud, please send any documentation you have to our whistleblowing team.
We welcome the sharing of information about the firms we regulate. Whilst
we may not always be able to comment on how this information is utilised
due to confidentiality restrictions placed on us under the Financial
Services and Markets Act (2000) (“FSMA”), such information does provide
useful insights to support our wider supervision activity. The
Whistleblowing team can be contacted on +44 (0)20 7066 9200 or
[14][email address]. Alternatively please contact our Consumer Helpline
on 0800 111 6768 or [15][email address].

 

 

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 PSR, the FCA on behalf of
the PSR/the PSR) 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 (PSR).

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 (PSR) 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 (PSR)

 

References

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2. http://ico.org.uk/~/media/documents/libr...
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5. http://www.fca.org.uk/
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13. https://www.handbook.fca.org.uk/handbook/
14. mailto:[email address]
15. mailto:[email address]