FCA Reviews 

Shame on this institution who offer to help the food bank with the food for the canteen. They have a W in that canteen called Anna supervisor of the canteen who takes piss of all our charity volunteers. They should have know that our volunteers are working for free and they pay they own travel and they go there from they own time . Today another humiliation was taken from this supervisor canteen Anna. She confirmed to send the volunteer to collect the food . Once the volunteer arrived she told to our volunteer to wait for 5 min in order to prepare the food to be taken. Our volunteer wait for one hour in the post office room , after one hour the volunteer being send to the congierge . They stop multiple people's while they was on they way out after they finished work to ask them if they know this Anna from the canteen. After one of them call her she communicates to this men that the food was thrown on the bin. They all look at volunteer as a beggar and told to leave because Anna trow the food for the charity on the bin while the volunteer wait for her downstairs.Disgusting behaviour from this your supervisor canteen Anna. Don’t engage with the food bank if you’re taking piss of our volunteers. She should be fired immediately, this women born from a miserable mother. Bulling our charity volunteers is unacceptable behaviour. We are willing to expose this incident with a fews journalists.

I rang the Financial Conduct Authority simply to get an update, because both Lloyds and Barclays had failed to respond or even acknowledge any EMAIL I had ever sent them. Nor have they ever responded to EMAILS from the Financial Ombudsman Service according to their portal. And if we as consumers fail to get our evidence in on time, after battling to get onto the Financial Ombudsman Service portal which is "off more than it is on" due to something or other, we are the ones who stand to lose out.
The Financial Conduct Authority had issued me with a private reference number following a particular gruelling telephone conversation with a lovely lady called Angela, which I understand is a "high accolade" from this authority and not given out lightly. But I never actually made a formal complaint against them.
They say I did because agent Gregg, after telling me repeatedly "we cannot intervene", instead of putting me through to someone, passed me to the Complaints Team answering machine. They must get a lot of complaints if they need a dedicated answering machine. Then an agent called Tracy contacted me twice, once leaving a voicemail and the other an actual proper conversation, telling me I had "wasted their time". My simple enquiry was re labelled as a formal complaint, marked "not upheld", and sent back to me via EMAIL.
Further EMAILS between myself and the Financial Conduct Authority were a joke — wrong references, no reference, or indeed just "as before". I ask you, how professional is that from such a "highly regarded authority"? All the while I thought I was getting a good response from the Financial Conduct Authority with my private reference number given to me by the FCA, but they seem to be just like all the others "ignore, and then blame". Basically saying "go away, we do not deal with the consumer, we are here for the banks, and we decide what happens to the EMAILS we are copied into".
I requested a copy of my call with Angela which they graciously supplied last week, but as they are "closed for training on Fridays" I had to wait until the weekend to get the code to access the MP3. I have the recording. I told them if their version of what happened with Gregg was correct, then I put them to proof "let me have a copy of what you claim was said". I have my own record and I want to see theirs.
It is clear they favour Lloyds and Barclays over the consumer. You cannot get through to anyone who will actually help. You get passed around. Promises vanish. They turn a straightforward enquiry into a "closed file" so they can walk away.
One of the runarounds today a lady from Lloyds refused to allow me access or speak about my account because I could not give her the exact amount in my current account. The reason being, they had "blocked my access to the app on my devices". But they never managed to block my access my desktop. And "woe betide anyone who raises their voice one octave" they have a "zero tolerance policy".
Barclays, after weeks and weeks of total silence suddenly decided after I raised hell with Lloyds "oh dear this lady is serious, we must acknowledge the correspondence via our Financial Sanctions Operations Department". Did you know the banks, especially Lloyds, can send things to the FSO on my behalf, against my wishes. They can also "change the dates to suit themselves" in the actual complaint logs. And then when they do, "well past the deadline", deign to give a FRL in my case sent to a "wrong, out of date EMAIL address" they rely on their T & C’s and "state anything they like" in the formal response, whether it happened before or after the date of the complaint, and take into account "their version of what happened" some weeks after the complaint was made.
Mr A, that "blocks every single EMAIL that is ever sent to anyone in Lloyds", and writes "untruths" which "bear no resemblance to the truth", and he knows it You can run but you cannot hide for ever Mr A
Lloyds still keep ignoring me despite Mr A shall we call him because he hates publicity but sent me a letter saying "if I want to take this further get your legal team to ring my legal team". Today I am told at least 5 times that they "do not have a legal team at their HO, so say their main switchboard" If I need to make contact, even in these modern times, I have to write a formal letter and send it in the post in hope that it will handed to the team "the old fashioned way for me but not them .
My only option now is to take these banks to court . They are "untouchable". I will not be told "what I can and cannot do with my own money", nor in my life with "what is left of it". I am not fazed at all standing in court, cross examining the likes of Mr A on his "untruths". We cannot call them lies "it is against FCA rules" but in open court t is not.
Oh dear what a pity they did not contact me sooner then their centuries old reputation would be intact.

I had cause to complain to the FCA regarding Close Brothers Premium Finance.

In the first insatance I phoned them and followed up in writing. Received an e-mail with a case reference number and the content states "We will not contact you again unless we need further information or have guidence not covered here" To date this statemnent is true as I have heard nothing in relation to my case. So therefore I don't know if any action has been taken by them. So therefore a waste of time.

I also took my case to the Financial Ombudsmasn Service which was a total waste of time as the matter of legal points of law ignored resulting in the FOS siding with the finance company. Had no option but to progress to court. The finance company settled out of court.

The FCA is a regulating and governing quango that did not reply my complaint about it. It's worse than any company it condemns.

Did the FCA tell Cloudfare to block Sandstonefx network? If so you have blocked the live trading accounts of many traders and that may cause us severe financial consequences bexausecyou blicked our accounts. It will be you to blame!

It is sad to see, that any company can get regulate by them, as they clearly never check the company how to see if they follow FCA procedures, so any company can be run how they like, it is only the customer that suffers, I even try speaking to them direct, which was a awful experience, they ask me to quote each policy they don't follow and which point number is in the handbook, really in regards to a company called WISE.

BASICALLY FCA ARE NOT WORTH THE PAPER WRITTEN ON, stand for nothing. As it clearly means any the company can be run how ever they want, FCA will do nothing about to check they follow the company policy.

REGARDS

The FCA should have instructed all the car finance companies to contact their time-frame customers to advise them of refunds of over-paid car prices.
Instead, they have opened the floodgates to allow dodgy claim companies & dubious solicitor firms to jump on the bandwagon to charge prospective clients a fortune for unnecessary claim involvement.
The FCA is supposed to set standards for financial firms and supervise them! The whole project has dragged on for years & looks likely to continue!
The FCA should instruct them to pay out compensation NOW!

The new virtual assistant is extremely poor and almost impossible to communicate with. The FCA has always had very good, helpful and knowledgeable staff, but now it seems virtually impossible to speak to a real person.

Instead, callers are passed on to the Financial Ombudsman Service, which in my view is a serious disappointment and does little to inspire trust or confidence in the process.

⚠️ WARNING TO RETAIL TRADERS – MY EXPERIENCE WITH THE FCA COMPLAINT PROCESS ⚠️

I am extremely disappointed with my experience after reporting serious concerns regarding a forex broker and seeking regulatory assistance.

As a retail trader who suffered significant financial losses, I expected concerns about platform issues, trade execution irregularities, account actions, and complaint handling to receive proper scrutiny. Instead, I felt that my evidence, documentation, and repeated requests for assistance were largely ignored.

The most frustrating part was seeing a large regulated broker continue operating normally while my complaint appeared to receive little meaningful attention. As a consumer, this left me questioning whether ordinary traders receive adequate protection when disputes arise with major financial firms.

Many retail traders believe that regulation automatically guarantees protection. My experience suggests that recovering losses or obtaining meaningful intervention can be far more difficult than expected.

I spent countless hours gathering evidence, submitting complaints, and following the required procedures. Despite this effort, I did not receive the level of investigation or accountability that I believed the situation deserved.

My message to other traders:

• Do not assume a regulator will recover your funds.
• Keep detailed records of every deposit, withdrawal, trade, email, and chat conversation.
• Save screenshots and account statements.
• Escalate complaints through every available dispute resolution channel.
• Conduct thorough due diligence before depositing large amounts with any broker.

This review reflects my personal experience and opinion regarding the handling of my complaint. Other traders should make their own assessment before relying solely on regulatory protection.

– Shafiq Ur Rehman Khan

The FCA are in bed with the companies they are supposed to be investigating Waste of time going to them. Dishonest, corrupt and liars. Wouldn’t surprise me if there some incentives going on. They need to be thoroughly investigated.

Absolutely disgrace corrupt dishonest .
I have absolutely 100% proof they acted criminal in my decisions lied continually over 10 years lost all my money after working 25 years total fraud bank victim full investigation needed

I would like to give 5 stars to the FCA as an institution, and 100 stars to one particular employee. The FCA will know exactly who I mean.

Thank you for the exceptional professionalism, respect, patience, and understanding shown during our call.

How can you allow lenders like this on the market ?
"The APR for this loan is 1261.3%. To learn more about how the APR is calculated and what it means click here."

The Financial Conduct Authority (FCA) are a complete waste of time and an utter disgrace to Financial Services. A November 2024 report by UK MPs and peers described the Financial Conduct Authority (FCA) as "incompetent at best, dishonest at worst". How FCA boss Nikhil Rathi had his contract extended by the Government, perhaps speaks volumes of how incompetent the current Government are! The FCA have wasted my time and are not fit for purpose!

THE FCA ARE SUPPOSED TO HELP THE PUBLIC BUT THEY DONT AT ALL. THE MANAGERS DONT HELP AT ALL.I DONT KNOW WHY THE GOVERNMENT ARE FUNDING THEM IF THEY DONT HELP THE PEOPLE. THEY ARE AS BAD AS QUALITY PART X STEVENAGE AND MONEYBARN AND VANQUIS BANK. THEY ARE USELESS, THEY LET THE BULLIES AND CRIMINALS WIN.

I gave one star but it's worse than that. Read the APPG report published on Monday this week. The regulator has been captured. People are not being supported they are being abused. People are committing suicide. Kindness means more than money. Don't bother with the FCA. It MUST be disbanded.

A total failure of an independent watchdog that utter fails at protecting customer’s best interests while successfully kneecapping the motor trade’s ability to provide a clear and easy to understand services for its customers.
Whoever the team or individuals are that make the decisions behind the FCA have clearly never been a customer of the motor trade let alone ever worked in it.

Not independent. On the banks and fraudsters' side.

FCA failed to act swiftly and effectively on a scam/fraud company called b-investor. The scam company later changed its name to ExpertB Ltd. The FCA put out a lukewarm notice about the tactics of this scam company which was not officially registered but the FCA failed to act to protect the public from this scam/fraudulent company. You can see how lots of innocent people have lost money on the Trustpilot reviews for b-investor and ExpertB Ltd. Therefore I would suggest that the FCA is complicit in the actions of the scam fraud company. Shameful