Regulatory Statements
'Gardner Financial Services is a trading name of GFS(Moray) Ltd which is authorised and regulated by the Financial Conduct Authority.'
The guidance and / or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.
To visit the FCA consumer website - The Money Advice Service - please click here
To verify our status with the FCA, click here and key in our FCA number: 432976

Gardner Financial Services

Telephone: 01309 675757

Gardner Financial Services

Consumer Protection.

The regulation of financial services is designed to protect customers at every stage. We will work on your behalf (rather than for any insurance company or bank) and will ensure that products are suitable for your needs.

 

What protection do I have?

We will always endeavour to do the very best for you. Whenever you deal with us you will receive details on the complaints procedures offered by our firm. If you wish you can request a copy of these procedures at any time.

When we are advising you on regulated products (including investments, insurance and mortgages) you have the protection of the Financial Ombudsman Service (FOS) and the Financial Services Compensation Scheme (FSCS).

If you are unhappy about the advice or service you have received you should firstly contact us outlining your concerns. This gives us the chance to put things right and/or to provide our own version of events. Should you remain dissatisfied you can refer your complaint to FOS who will investigate the complaint independently and make a ruling. FOS work with customers and financial advisers to resolve a complaint, and when they do have to make a ruling it is binding upon the firm.

If you try to contact a firm about with a complaint, and the firm is dissolved, or unable to meet its obligations you may have recourse to the FSCS. This is a service funded by all the companies within the industry to protect customers where firms have closed or gone into liquidation.

 

Anything else I should know?

Some financial advisers do give advice on products that are not regulated by FCA - such as general taxation and some Buy-to-Let mortgages. Your adviser will explain to you when you are receiving advice on an unregulated product. It is important you are happy with the advice as you do not have the added protection of FOS or FSCS when dealing with some unregulated products.

 

THE Financial Conduct Authority DOES NOT REGULATE TAXATION ADVICE AND SOME FORMS OF MORTGAGES

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

 

Please contact us if you wish to discuss your requirements further.