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Appointed Representative Status

If your financial services activities are regulated via an insurer or a network, they will investigate complaints against you in the first instance.

This may make life easier for you but you have no control over the quality of their Complaints team or of the policies they adopt.  Problems we have seen include:

• Failure to use time barring when it was available
• Failure to understand the underlying logic of the original sale
• Refusal to investigate complaints arising as a result of activities outside the period of membership
• Upholding complaints that are not regulated
• Denying the firm access to the complaint file (possibly because it has been lost!)

This can result in:

• An upheld complaint being recorded against you
• Your being charged for any award made in favour of the complainant up to your PI excess
• Increased PI renewal premiums

At Dispusolve, we can reconsider the complaint and, where appropriate, put an alternative argument to the firm you represent.  If the Financial Ombudsman Service is looking to overturn a refuted case, we may be able to reinforce the existing defence and persuade the adjudicator otherwise.

Of course, we cannot guarantee that the firm you represent will accept our arguments or that we will not agree with their findings.  However, if we find a complaint has been unreasonably upheld against you, this will be strong evidence if you wish to make your own complaint against them.

Although we would not pursue such a complaint on your behalf, we can put you in touch with a solicitor who is able to do so if you wish.

It is also unlikely that complaints governed by the Consumer Credit Act 2006 will be covered by your Appointed Representative Status.  Dispusolve has a bespoke Consumer Credit complaint investigation facility available.