Find a debt-help route outside the United States

Debt-advice perimeter turns on credit agreements relevant to RAO art 60B, the definition of “individual” and the covered debt activity; qualifying natural persons, some partnerships and unincorporated bodies differ from corporate borrowers. Business use alone is not a reliable exemption.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Identify debtor legal form, contract and credit purpose; do not presume all business debt is covered. Statutory text held.

Primary source/pinpoint

S003 PERG 2.6.30G; S004 Glossary individual; S020 CONC 8.1.4G

Consumer-hire agreements under the RAO definition can enter the debt-activity perimeter; the period and type of agreement, including the relevant more-than-three-month criterion, matter.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Obtain hire contract; distinguish hire from hire-purchase and other finance. RAO 60N text held.

Primary source/pinpoint

S003 PERG 2.6.31G; S001 failed RAO

Debt adjusting includes specified negotiations about payment terms, taking over responsibility for discharging qualifying debts or similar activities on a debtor's behalf.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Check actual service; arranging a compromise can be covered even without holding funds.

Primary source/pinpoint

S005 PERG 2.7.8BG–CG; S006 PERG 17.3 Q3.1–Q3.3; RAO 39D unread

Debt counselling concerns advice to a debtor about liquidation of relevant debt, not merely use of the colloquial term “counselling.”

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Classify the advice and recipient; assess whether it recommends a debt-liquidation course.

Primary source/pinpoint

S005 PERG 2.7.8DG–EG; S006 PERG 17.3; RAO 39E unread

Relevant debt-liquidation advice can concern liabilities under credit agreements not themselves regulated consumer-credit agreements; the precise agreement class and advice still control.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Do not equate “underlying loan exempt from lending regulation” with “all debt advice unregulated.”

Primary source/pinpoint

S006 PERG 17; S020 CONC 8.1.4G; qualified by S001 gap

General impartial information and personal advice/decision-tree recommendations can receive different regulatory treatment depending on their content, individualisation and context.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Inspect scripts, questions and output before classifying a website or lead funnel.

Primary source/pinpoint

S006 PERG 17.3–17.5

Debt collecting, debt administration, debt adjusting and debt counselling are distinct activity descriptions, potentially with overlapping facts.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

A collector or payment administrator is not automatically a debtor adviser; classify each act independently.

Primary source/pinpoint

S005 PERG 2.7; S006 PERG 17

FCA's credit-activity business-test interpretation does not make receiving a consumer fee indispensable; repeated free/nonprofit advice may still be by way of business.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Test activities, regularity, organisation and any exception before claiming exclusion.

Primary source/pinpoint

S007 PERG 2.3.2G(3B), 2.3.3G

Territorial regulation depends on the UK statutory nexus and business facts; offshore location neither proves nor disproves coverage.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Investigate marketing direction, contracting, performance and relevant establishment. FSMA s 19/s 418 operative text unverified; no conclusive remote outcome.

Primary source/pinpoint

S012 PERG 2.4.2G–2.4.5G; S002 failed FSMA

CONC has an application rule for specified activity carried on from outside a UK establishment where the customer is habitually resident in the UK, subject to the exact rule and exceptions.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Apply CONC 1.2.5R only when its predicates hold; it is not by itself a universal offshore licensing provision.

Primary source/pinpoint

S013 CONC 1.2.5R; S012 PERG 2.4

A covered actor requires an appropriate legal route; FCA authorisation, particular activity permission, registration and claimed exemption are not synonyms.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Check specific permitted activities, limitations and effective history; unauthorised activity raises legal consequences but does not erase creditor debt.

Primary source/pinpoint

S019 PERG 2.2.1G–AG; S017–S018 official register instructions

Limited-permission consumer-credit routes exist, but a limited permission for incidental broking/another narrow activity is not blanket permission to operate debt management or negotiate all debts.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Match actual RAO activities against precise firm permissions; full-permission work may be required.

Primary source/pinpoint

S015 FCA debt-permission limitations; S016 motor dealers

An appointed representative route is conditional on covered activities, a qualifying written principal arrangement and SUP rules; the principal assumes specified responsibility.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Verify both the representative's scope and principal, including timing; no presumption that all debt-adjusting work is eligible.

Primary source/pinpoint

S014 SUP 12.2.2G–.7G, 12.4.1AG; S013 CONC 1.2.3G

Charitable/nonprofit identity or providing services free does not itself confer blanket exemption; only an actually qualifying route/exclusion changes the result.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Distinguish status, activity and any scheme predicate; fee-free customers still need appropriate advice standards when applicable.

Primary source/pinpoint

S007 PERG 2.3; S011 PERG 2.11.5G; S020 CONC 8

Designated-profession treatment under FSMA s 327 depends on detailed incidental, professional-body, remuneration and activity conditions; separate advocacy/litigation settings differ.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Check professional capacity and body rules; ordinary debt business by a lawyer/accountant is not categorically unregulated.

Primary source/pinpoint

S008 PERG 2.8.7CG branches; S010 PERG 2.10.12G–.16G

Activities by an insolvency practitioner acting in the defined statutory capacity or reasonable contemplation of appointment can be excluded from certain debt-adjusting analysis.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Verify appointment/anticipated appointment and task; the same professional's unrelated commercial advice may be in scope. Insolvency licence ≠ FCA permission.

Primary source/pinpoint

S009 PERG 2.9.25G–.27G; S033 CONC 10.2.10G

Certain creditors, owners, suppliers or related actors handling their own debt fall within specifically conditioned RAO exclusions rather than a universal “creditor exempt” rule.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Establish actual beneficial interest/relationship and excluded activity; third-party services may differ.

Primary source/pinpoint

S008 PERG 2.8.7CG(1), (3)–(6), interpreting RAO 39H–39K

Tracing, collecting, distributing payments and negotiating a debtor's liability are not necessarily the same activity; a payment intermediary may have additional financial-services issues.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Map fund flow and legal role. Payment-services perimeter and every linked exclusion remain unresolved, not presumed safe.

Primary source/pinpoint

S005 PERG 2.7; S011 PERG 2.11.4G; CASS S035–S041

Specified enterprise-scheme activity is subject to a no-pecuniary-gain criterion and other particular conditions, not simply “small business debt” or “nonprofit.”

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Obtain scheme identity, purpose, remuneration and actual RAO conditions before reliance.

Primary source/pinpoint

S011 PERG 2.11.5G; S001 operative exception failed

Some local-authority/official functions receive specific treatment; breathing-space money-adviser eligibility is separately conditioned.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Do not conflate local-government status, FCA exclusion and permission to initiate statutory respite.

Primary source/pinpoint

S009 PERG 2.9; S063–S064 official breathing-space guidance

FCA Register and its consumer checking instructions permit public examination of identity, status, permissions, limitations, principal and historical records.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Consumer compares legal name, exact service and genuine contact details. No named search here; records need transaction-date checking.

Primary source/pinpoint

S017–S018, FCA public pages

Unauthorised regulated activity may engage prohibition/offence and agreement enforceability rules; consequences are fact- and statute-dependent.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

No automatic debt cancellation, universal restitution, release of security or reversal of judgment follows solely from a provider violation. Primary statutory sections not reopened.

Primary source/pinpoint

S019 PERG 2.2.1G–AG; S001–S002 failed

Covered debt-management firms face CONC 10 solvency/resources rules, generally the higher of £5,000 or a formula on relevant debts under management: 0.25% first £5m + 0.15% next £95m + 0.05% remainder, with other-activity higher requirements and professional-firm exclusions.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

This is firm prudential capital, not a fee payable by a consumer, bond protecting each account or proven universal PII requirement. CONC 10 breaches are specified not privately actionable under s 138D.

Primary source/pinpoint

S033 CONC 10.1.1R–.2R, .6R; 10.2.4R–.9R; 10.2.13R–.14R

Applicable financial promotions must be clear, fair and not misleading and comply with debt-services disclosures; guaranteed settlements or false government affiliation raise concerns.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Compare actual wording with CONC 3.3.1R and 3.9.3R/.5R/.7R; no automatic finding absent the advertisement/context.

Primary source/pinpoint

S029 CONC 3.3.1R; S030 CONC 3.9

A debt management firm, specifically, must prominently state in its first written or oral communication that free relevant services exist and point to MoneyHelper; its website must carry the prescribed advice-locator link.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Disclose at initial contact; not a generic duty applying identically to every free publisher.

Primary source/pinpoint

S021 CONC 8.2.4R(1)–(2) (displayed 26 Nov 2021)

Covered advice/action must address best interests and individual circumstances following sufficiently full financial assessment, present suitable options and explain rejected ones; impartial UK-country-specific options also matter.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Assess income, capital, expenditure, vulnerabilities, foreseeable changes and solution suitability; do not steer based only on provider earnings.

Primary source/pinpoint

S022 CONC 8.3.2R(1)–(3), 8.3.7R(1)–(5); S021 8.2.2G

Advice normally requires a durable medium covering included/excluded debts, risks, priority nonpayment, legal action and lack of guaranteed suspension; the 8.3.4AR exception is only where not contracted and the firm reasonably concludes no contract is likely, with reasons recorded.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Record disclosure and exception basis. An initial call does not categorically excuse durable advice.

Primary source/pinpoint

S022 CONC 8.3.4R(1)–(6), 8.3.4AR(1)–(2) and 8.3.6AG

Firm must provide written debt-solution contract stating services, duration, cost/formula and termination/cancellation; prohibited terms include banning direct lender contact, disclaiming all liability or claiming no refund ever.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Obtain contract; unenforceability/remedy of an individual clause is not finally determined without contract and applicable law.

Primary source/pinpoint

S023 CONC 8.4.1R–8.4.4G

A covered plan's financial statements and lender information must use the required financial picture, debts and proposed distribution, with consequential revisions when fees change available repayments.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Obtain dated budget, creditor list, allocations and revised statements.

Primary source/pinpoint

S024 CONC 8.5.1R; S026 CONC 8.7.4R(2)

A provider must give specified creditor communication for payments withheld, have vulnerability procedures and keep DMPs under review; creditor participation and enforcement remain separate.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Review actual payments, creditor replies, changing affordability, legal notices and updated advice.

Primary source/pinpoint

S021 CONC 8.2.5R–8.2.8G; S025 CONC 8.6; S027 CONC 8.8.1R; S059 DMP guidance

Under a DMP, CONC prohibits arranging fee amounts/timing so the customer pays all or substantially all fees ahead of lender repayments or cannot make significant lender repayments from month one and throughout. A compliant full-and-final holding model has a specified qualification.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Examine actual first-month and ongoing distribution—not just total contracted fee. No universal percentage charge or universal “no upfront money” rule follows.

Primary source/pinpoint

S026 CONC 8.7.2R(1)–(3)

FCA says allocating more than half sums received in any one-month period from the start of a DMP to fees is likely to undermine significant creditor repayment; charges for ongoing administration should generally be spread over the plan.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Treat 8.7.3G as regulatory guidance, not a binding 50% statutory fee ceiling or a permission to take 50% routinely.

Primary source/pinpoint

S026 CONC 8.7.3G(1)–(4)

Covered firms cannot demand payment for a debt solution before entering the contract, take payments without specific continuing authority, normally charge fees by credit card/credit, charge impermissible repeated set-up costs, or impose disproportionate cancellation charges.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Match payment source, customer mandate, agreed fee, work already done and any permitted exception.

Primary source/pinpoint

S026 CONC 8.7.6R(1)–(8)

Where advice is identified or established as incorrect/inappropriate, fees imposed for that advice must be refunded/credited; where services are wholly or partly absent or lack reasonable skill/care, an appropriate fee refund is required. Relevant commissions must be disclosed.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Identify the particular charge, faulty advice or unperformed service; calculate resulting refund instead of treating all provider receipts as fees.

Primary source/pinpoint

S026 CONC 8.7.4R(1)–(4); S023 8.4.4G

Specified debt-packaging advisers who do not themselves provide debt solutions face a prohibition on referral remuneration from solution providers, including associates/AR steps, subject to not-for-profit-body exclusion, statutory/official exceptions and pre-commencement accrued-right qualification.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Check adviser business model, direct/indirect remuneration, 2 June 2023 rule and 26 June 2026 guidance versions; prohibition does not apply universally to every referral.

Primary source/pinpoint

S022 CONC 8.3.9R–8.3.16R, especially 8.3.9R(1)–(2), 8.3.11R(1)–(2), 8.3.14R

Qualifying distance contracts concerning debt counselling/adjusting can be cancelled without reason/penalty within 14 calendar days; CONC 11.1.1R has exclusions, and this specified limb excludes services in relation to consumer hire.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

First identify distance contract, consumer, service type and exclusions; neither every online enquiry nor every hire agreement qualifies.

Primary source/pinpoint

S032 CONC 11.1.1R–11.1.2R

The cancellation period starts at contract-making or the later receipt of specified contractual/precontract information; prescribed notice dispatched before expiry can satisfy the exercise requirement.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Preserve contract date, actual information receipt, method, accessibility and dispatch evidence. No actual calendar deadline calculated.

Primary source/pinpoint

S032 CONC 11.1.5R, 11.1.6R, 11.1.7R–8G

On valid cancellation, a firm may charge only proportionately for services actually given, without penalty, and only if it proves appropriate information and the customer's prior request for early performance. It must return other sums without undue delay and within 30 calendar days of receiving cancellation; separate consumer return obligation starts from consumer dispatch.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Work out earned service amount conditionally; if proof/request is missing, the 11.1.11R charge fails. Distinguish firm-receipt from customer-dispatch clocks; no deadline date assumed.

Primary source/pinpoint

S032 CONC 11.1.10R–11.1.14R; S026 8.7.1G

CASS 11 applies to a defined CASS debt management firm receiving/holding money for DMP or creditor distribution. Properly due fees and completed distributions differ from client funds awaiting disbursement.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Reconcile purpose, receipt, appropriation and creditor payment before designating money as firm revenue. Professional and other scope exclusions need checking.

Primary source/pinpoint

S035 CASS 11.1.1R–.6R; S038 CASS 11.4

Qualifying client money is subject to the CASS statutory trust and segregation/account protections.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Maintain protected account/ownership records; a breached trust duty does not guarantee intact assets or automatic recovery.

Primary source/pinpoint

S039 CASS 11.6.1R; S041 CASS 11.9

CASS classifies firms using the highest amount held in the last calendar year—or relevant projected current-year holding—with large ≥ £1 million and small below £1 million; notification, effective date and optional large classification have separate conditions.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Apply classification and required reconciliation/oversight, not a customer-specific fund guarantee. The 7 May 2025 notification amendment differs from original 2014 classification rules.

Primary source/pinpoint

S036 CASS 11.2.1R–11.2.8R; S043 11.11

Covered client bank account arrangements require specified bank acknowledgment and record/account procedures, with account eligibility and timing conditions.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Examine actual acknowledgment, account name, bank and records; mere “segregated” advertising is not proof.

Primary source/pinpoint

S040 CASS 11.8.2R, 11.8.8R, associated rules

CASS imposes defined treatment for cash and cheques, including applicable next-business-day banking, and allocation between client and firm parts of mixed remittances.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Record receipt form, cleared status, account route and whether any part was lawfully firm money.

Primary source/pinpoint

S041 CASS 11.9, cash/cheque and mixed-remittance provisions

Client-level identification and recording/allocation of incoming money must follow CASS 11.9 requirements, including the applicable five-business-day allocation requirement.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Compare actual ledger timestamps, source and recipient accounts; this clock differs from creditor-distribution guidance.

Primary source/pinpoint

S041 CASS 11.9 allocation rules; S043 11.11

Creditors must ordinarily receive client money as soon as reasonably practicable. FCA guidance says normally within five business days of cleared receipt; delay under 11.10.3R requires all three precontract conditions, and additional notifications/daily checks may apply.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Test contract express term, separate notice, risk explanation, creditor notice and daily records. Five days is not a universal strict statutory maximum.

Primary source/pinpoint

S042 CASS 11.10.1R–11.10.5R; .2G

Where a firm fails to pay as soon as reasonably practicable, CASS 11.10.6R can require restoring the client's financial position; specified lawful long-holding and circumstances outside firm control qualify the duty.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Prove causation and extra charges/interest, and check exclusions; FCA guidance explains likely heads, not automatic predetermined compensation.

Primary source/pinpoint

S042 CASS 11.10.6R(1)–(2), 11.10.7G

A consumer’s instruction withdrawing unused money and cancellation may require money return, with CASS operating duties and any separate CONC 11 deadline each assessed on its own predicates.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Obtain written withdrawal, fee/itemisation, ledger and proof of payments made. Any “normally within five business days” shorthand must retain its guidance status and precise context.

Primary source/pinpoint

S041 CASS 11.9 withdrawal/return provisions; S032 11.1.12R

Defined firm/bank failures trigger CASS 11.13 pooling and rateable entitlements; insolvency, bank failure or misallocation may leave a shortfall.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Reconstruct client entitlement and relevant pool; neither segregation nor FSCS provides unconditional full repayment.

Primary source/pinpoint

S045 CASS 11.13; S043 11.11; S053 COMP 5.8.1R

Specified Handbook rules can support a private damages action under the FSMA s 138D framework, subject to schedules, claimant status and ordinary proof; CONC 10.1.6R expressly excludes such action for CONC 10.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Distinguish FCA discipline, contract refunds, s 138D damages, FOS and FSCS. Do not infer every breach automatically voids contract or creditor debt.

Primary source/pinpoint

S034 CONC Sch 5; S046 CASS Sch 5; S033 CONC 10.1.6R; S002 statutory text unavailable

FOS consideration requires a respondent/activity within DISP jurisdiction and an eligible complainant with the necessary relationship.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Determine complainant type, respondent, complaint matter and compulsory/voluntary coverage before referring.

Primary source/pinpoint

S047 DISP 1; S048 DISP 2.3.1R; S049 DISP 2.7

Ordinary FOS sequencing involves an initial firm complaint, a usual eight-week stage, normally six months after qualifying final response, and six years from event or later three years from awareness, subject to exclusions, consent and exceptional circumstances.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Preserve firm-receipt proof, final response and awareness facts. Do not compute filing dates from a bare event date.

Primary source/pinpoint

S047 DISP 1.6.1R–.2R; S050 DISP 2.8.1R–.2R; S056 official explanation

FSCS protected debt-management business is UK-establishment CASS debt-management activity only in relation to client-money shortfall, not a free-standing insurance policy for bad advice, all fees or unsuccessful negotiations.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Identify regulated money-holding role, UK branch, reconciled shortage and claim character.

Primary source/pinpoint

S053 COMP 5.8.1R; S055 FSCS limitations

FSCS payment further requires qualifying default and eligible claimant; for this particular protected-debt-management category, non-natural persons are excluded.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Verify default, inability to meet claim and natural-person status; a qualifying contract alone is insufficient.

Primary source/pinpoint

S051 COMP 3.2.1R; S052 COMP 4.2.1R–4.2.2R(20)

Under the current cited COMP table, covered debt-management shortfall pays 100% up to £85,000 in qualifying circumstances. FSCS describes £50,000 for qualifying firms failing 1 Apr 2018–31 Mar 2019, and £85,000 after that period.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Check failure date, covered business, natural person, actual shortage, eligible firm and aggregation; this category is not the general bank-deposit limit.

Primary source/pinpoint

S054 COMP 10.2.3R; S055 official dated-failure criteria

Published 2015 FOS decision treated 24 × £240 = £5,760, less £80, producing £5,680, with specified interest treatment and £150 distress/redress.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

This was the ombudsman’s resolution on stated case facts; neither percentage, outcome nor award is universally mandated.

Primary source/pinpoint

S057 published DRN2727544, PDF zero-based pp 0–1

Published 2025 FOS decision distinguished refund of firm fees and £600 compensation from creditor monies and speculative additional claims.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Compare provider-controlled charges with other loss theories; result is case-specific and not binding tariff or settled class-wide claim.

Primary source/pinpoint

S058 published DRN-5484433, PDF zero-based pp 0–6

DMPs and private full-and-final settlements are negotiated/voluntary arrangements. A private offer does not automatically bind a creditor or halt interest, recovery or court action.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Obtain express creditor acceptance and payment/waiver evidence, and check each creditor separately. No statutory moratorium inferred.

Primary source/pinpoint

S059 official DMP guidance; S022 CONC 8.3.4R(3)(e); S025 CONC 8.6

England/Wales IVAs are a separate statutory insolvency mechanism involving a licensed insolvency practitioner and requisite creditor decision.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Identify actual proposal, IP appointment, votes/approval and binding scope; no IVA from mere “settlement programme” branding. Full vote and variation law deferred.

Primary source/pinpoint

S060 official IVA guidance; S022 8.3.4R(4)

England/Wales DROs are a distinct formal insolvency/debt-relief procedure with eligibility and approved intermediary/application requirements.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Verify entry/approval and covered debts before asserting discharge or restrictions. Complete eligibility/process rules deferred.

Primary source/pinpoint

S061 official DRO guidance

England/Wales bankruptcy is distinct from a private DMP, settlement or IVA, with formal process and official receiver/trustee consequences.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Require actual bankruptcy order/process evidence; no universal claim about exemptions, secured debts, tax or discharge in this pass.

Primary source/pinpoint

S062 GOV.UK Insolvency Service bankruptcy guide

England/Wales breathing space is a formal debt-respite mechanism, with standard 60-day and separate mental-health-crisis routes, approved adviser entry and defined creditor restrictions—not automatic debt cancellation.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Required action, consequence and limitation

Verify qualifying entry and statutory notice rather than treating DMP enrolment as respite. Regulation text S065 failed, so effect/eligibility detail remains held.

Primary source/pinpoint

S063–S064 official guidance; S065 failed current regulation

UK legislation.gov.uk, Financial Services and Markets Act 2000 (Regulated Activities) Order 2001, SI 2001/544. https://www.legislation.gov.uk/uksi/2001/544/2026-07-15?timeline=false

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S001

Actually read: pinpoint, nature, currency, relevant limits

Failed to retrieve operative body of the requested dated consolidation. RAO arts 39D, 39E, 39H–39K, 60B and 60N identified through FCA interpretation, not independently read here. Effective-status verification held. Access 26 Oct 2026.

Direct source URLs

https://www.legislation.gov.uk/uksi/2001/544/2026-07-15?timeline=false
https://www.legislation.gov.uk/uksi/2001/544/2026-07-15?timeline=false&utm_source=chatgpt.com

UK legislation.gov.uk, Financial Services and Markets Act 2000, s 19. https://www.legislation.gov.uk/ukpga/2000/8/section/19/2026-01-01

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S002

Actually read: pinpoint, nature, currency, relevant limits

Failed to retrieve operative statutory body. Do not treat FCA PERG's description of the general prohibition as an independent reading of FSMA s 19 or adjacent exceptions. Access 26 Oct 2026.

Direct source URLs

https://www.legislation.gov.uk/ukpga/2000/8/section/19/2026-01-01
https://www.legislation.gov.uk/ukpga/2000/8/section/19/2026-01-01?utm_source=chatgpt.com

FCA, PERG 2.6 — Specified investments. https://handbook.fca.org.uk/handbook/perg2/perg2s6

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S003

Actually read: pinpoint, nature, currency, relevant limits

Opened, G, PERG 2.6.30G–2.6.31G explaining RAO 60B credit agreements and 60N consumer hire. Live Handbook display; individual provision dates govern; definition depends on underlying RAO text. UK perimeter, not an E/W insolvency rule. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/perg2/perg2s6
https://handbook.fca.org.uk/handbook/perg2/perg2s6?utm_source=chatgpt.com

FCA, Glossary — individual. https://handbook.fca.org.uk/glossary/G3173

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S004

Actually read: pinpoint, nature, currency, relevant limits

Opened, Glossary entry including natural persons, relevant partnerships and unincorporated bodies. Handbook terminology; not proof that all corporate/business contracts qualify. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/glossary/G3173
https://handbook.fca.org.uk/glossary/G3173?utm_source=chatgpt.com

FCA, PERG 2.7 — Activities. https://handbook.fca.org.uk/handbook/perg2/perg2s7

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S005

Actually read: pinpoint, nature, currency, relevant limits

Opened, G, PERG 2.7.8BG–2.7.8EG describing debt adjusting, debt counselling and adjacent debt collecting/administering activities by reference to RAO 39D/39E. Classification guidance; controlling article text unavailable at S001. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/perg2/perg2s7
https://handbook.fca.org.uk/handbook/perg2/perg2s7?utm_source=chatgpt.com

FCA, PERG 17 — Consumer credit debt-related regulated activities. https://handbook.fca.org.uk/handbook/perg17

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S006

Actually read: pinpoint, nature, currency, relevant limits

Opened, G, PERG 17.2 Q2.1; 17.3 Q3.1–Q3.3; related 17.4–17.7 answers on personalised advice, liquidation, negotiating and distinctions. UK consumer-credit interpretive perimeter; facts and exceptions matter. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/perg17
https://handbook.fca.org.uk/handbook/perg17?utm_source=chatgpt.com

FCA, PERG 2.3 — The business test. https://handbook.fca.org.uk/handbook/perg2/perg2s3

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S007

Actually read: pinpoint, nature, currency, relevant limits

Opened, G, PERG 2.3.2G(3B), 2.3.3G: special by-way-of-business issues for credit activities, including relevant non-profit provision; no universal paid-only shortcut. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/perg2/perg2s3
https://handbook.fca.org.uk/handbook/perg2/perg2s3?utm_source=chatgpt.com

FCA, PERG 2.8 — Exclusions applicable to particular regulated activities. https://handbook.fca.org.uk/handbook/perg2/perg2s8

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S008

Actually read: pinpoint, nature, currency, relevant limits

Opened, G, PERG 2.8.7CG, notably its separately numbered branches, interpreting specified debt-activity exclusions associated with RAO 39H–39K. Connected-creditor, supplier and professional facts must be established; RAO itself not read. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/perg2/perg2s8
https://handbook.fca.org.uk/handbook/perg2/perg2s8?utm_source=chatgpt.com

FCA, PERG 2.9 — Regulated activities: exclusions applicable to several specified kinds of activity. https://handbook.fca.org.uk/handbook/perg2/perg2s9

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S009

Actually read: pinpoint, nature, currency, relevant limits

Opened, G, PERG 2.9.25G–2.9.27G on insolvency-practitioner situations and PERG 2.9.15G on overseas-related exclusions. Not a general “all insolvency/overseas activity exempt” finding. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/perg2/perg2s9
https://handbook.fca.org.uk/handbook/perg2/perg2s9?utm_source=chatgpt.com

FCA, PERG 2.10 — Persons carrying on regulated activities who do not need authorisation. https://handbook.fca.org.uk/handbook/perg2/perg2s10

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S010

Actually read: pinpoint, nature, currency, relevant limits

Opened, G, PERG 2.10.12G–2.10.16G on members of designated professional bodies and FSMA s 327 conditions; no blanket lawyer/accountant privilege. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/perg2/perg2s10
https://handbook.fca.org.uk/handbook/perg2/perg2s10?utm_source=chatgpt.com

FCA, PERG 2.11 — Exempt persons and other exemptions. https://handbook.fca.org.uk/handbook/perg2/perg2s11

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S011

Actually read: pinpoint, nature, currency, relevant limits

Opened, G, PERG 2.11.2G, 2.11.4G–2.11.5G concerning specified official functions, tracing and enterprise-scheme boundaries. No blanket nonprofit exclusion inferred. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/perg2/perg2s11
https://handbook.fca.org.uk/handbook/perg2/perg2s11?utm_source=chatgpt.com

FCA, PERG 2.4 — Link between activities and the United Kingdom. https://handbook.fca.org.uk/handbook/perg2/perg2s4?timeline=true

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S012

Actually read: pinpoint, nature, currency, relevant limits

Opened, G, PERG 2.4.2G–2.4.5G on territorial application and overseas considerations. Does not settle a disputed remote-specific s 19/s 418 FSMA issue without operative statutes and facts. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/perg2/perg2s4?timeline=true
https://handbook.fca.org.uk/handbook/perg2/perg2s4?timeline=true&utm_source=chatgpt.com

FCA, CONC 1.2 — Who? What? Where?. https://handbook.fca.org.uk/handbook/conc1/conc1s2

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S013

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, CONC 1.2.3G; 1.2.5R relating to firms conducting relevant credit activity from outside UK establishments with a UK-habitually-resident customer; 1.2.7G land security. Handbook application does not alone prove s 19 authorisation nexus. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/conc1/conc1s2
https://handbook.fca.org.uk/handbook/conc1/conc1s2?utm_source=chatgpt.com

FCA, SUP 12 — Appointed representatives. https://handbook.fca.org.uk/handbook/sup12?date=06-08-2026&timeline=true

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S014

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, SUP 12.2.2G–12.2.7G and 12.4.1AG, applicable specified activity, written principal arrangement, responsibility and limitations. Dated view 6 Aug 2026, not claimed to independently prove all 26 Oct changes. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/sup12?date=06-08-2026&timeline=true
https://handbook.fca.org.uk/handbook/sup12?date=06-08-2026&timeline=true&utm_source=chatgpt.com

FCA, Limitations of debt permissions. https://www.fca.org.uk/firms/limitations-debt-permissions

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S015

Actually read: pinpoint, nature, currency, relevant limits

Opened, Official FCA authorisation explanation, distinctions between specified limited permissions and broader debt-management work. Permission scope must be read from the firm’s own record, not this generic page. Access 26 Oct 2026.

Direct source URLs

https://www.fca.org.uk/firms/limitations-debt-permissions
https://www.fca.org.uk/firms/limitations-debt-permissions?utm_source=chatgpt.com

FCA, Consumer credit brokers — motor dealers. https://www.fca.org.uk/firms/authorisation/consumer-credit-brokers/motor-dealers

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S016

Actually read: pinpoint, nature, currency, relevant limits

Opened, Official, restricted motor-trade credit permissions and potentially full-permission activities. Industry example, not proof that all debt advisers require the same category. Access 26 Oct 2026.

Direct source URLs

https://www.fca.org.uk/firms/authorisation/consumer-credit-brokers/motor-dealers
https://www.fca.org.uk/firms/authorisation/consumer-credit-brokers/motor-dealers?utm_source=chatgpt.com

FCA, Financial Services Register. https://www.fca.org.uk/firms/financial-services-register

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S017

Actually read: pinpoint, nature, currency, relevant limits

Opened, Official; register features, firm identity/status/permissions and historical records. Page update displayed 13 Feb 2026, not a legal commencement date. No named lookup performed. Access 26 Oct 2026.

Direct source URLs

https://www.fca.org.uk/firms/financial-services-register
https://www.fca.org.uk/firms/financial-services-register?utm_source=chatgpt.com

FCA, How to check a firm or individual is authorised. https://www.fca.org.uk/consumers/how-check-firm-individual-authorised

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S018

Actually read: pinpoint, nature, currency, relevant limits

Opened, Official; checking permission and contact identity, authorised versus registered distinctions and clone-risk advice. Page update displayed 22 Sep 2026. No named lookup performed. Access 26 Oct 2026.

Direct source URLs

https://www.fca.org.uk/consumers/how-check-firm-individual-authorised
https://www.fca.org.uk/consumers/how-check-firm-individual-authorised?utm_source=chatgpt.com

FCA, PERG 2.2 — Authorisation and exempt persons. https://handbook.fca.org.uk/handbook/perg2/perg2s2

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S019

Actually read: pinpoint, nature, currency, relevant limits

Opened, G, PERG 2.2.1G–2.2.1AG concerning general prohibition, regulatory offences and restrictions on enforceability. Consequences remain subject to statute, facts and statutory protections; debt to original creditor not thereby cancelled. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/perg2/perg2s2
https://handbook.fca.org.uk/handbook/perg2/perg2s2?utm_source=chatgpt.com

FCA, CONC 8 — Debt advice. https://handbook.fca.org.uk/handbook/conc8

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S020

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, CONC 8.1.1R and 8.1.4G: relevant firms and relevant debt-advice activities, including qualifying advice about liquidation of certain debts notwithstanding underlying credit-regulation nuances. Chapter shown updated 31 Jul 2026; individual rule dating separately applies. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/conc8
https://handbook.fca.org.uk/handbook/conc8?utm_source=chatgpt.com

FCA, CONC 8.2 — Debt advice and debt management services. https://handbook.fca.org.uk/handbook/conc8/conc8s2

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S021

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, including CONC 8.2.4R free-advice signposting and related transparency, service, vulnerability and client-interest requirements. Not an obligation to use any named charity. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/conc8/conc8s2
https://handbook.fca.org.uk/handbook/conc8/conc8s2?utm_source=chatgpt.com

FCA, CONC 8.3 — Pre-contract information and advice requirements. https://handbook.fca.org.uk/handbook/conc8/conc8s3

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S022

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, CONC 8.3.1R, 8.3.2R, 8.3.4R–8.3.4AR, 8.3.7R, 8.3.9R–8.3.16R. First-enquiry durable information, individual assessment, advice, debt-packager restrictions and their qualifications. Section shown updated 26 Jun 2026; provisions have individual dates. Access 26 Oct 2026. handbook.fca.org.uk

Direct source URLs

https://handbook.fca.org.uk/handbook/conc8/conc8s3
https://handbook.fca.org.uk/handbook/conc8/conc8s3?utm_source=chatgpt.com

FCA, CONC 8.4 — Debt management plans and agreements. https://handbook.fca.org.uk/handbook/conc8/conc8s4

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S023

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, written agreement terms, clear obligations, written contract and restrictions on contract terms. Firm/customer context; not a statutory DMP creditor stay. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/conc8/conc8s4
https://handbook.fca.org.uk/handbook/conc8/conc8s4?utm_source=chatgpt.com

FCA, CONC 8.5 — Financial statements. https://handbook.fca.org.uk/handbook/conc8/conc8s5

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S024

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, CONC 8.5.1R and connected requirements for income, expenditure, debt schedule and creditor distribution. Particular disclosure and consent facts remain needed. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/conc8/conc8s5
https://handbook.fca.org.uk/handbook/conc8/conc8s5?utm_source=chatgpt.com

FCA, CONC 8.6 — Debt management plans. https://handbook.fca.org.uk/handbook/conc8/conc8s6

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S025

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, duties around establishing appropriate arrangements and customer/creditor communication. Does not compel a creditor to waive debt or interest. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/conc8/conc8s6
https://handbook.fca.org.uk/handbook/conc8/conc8s6?utm_source=chatgpt.com

FCA, CONC 8.7 — Charging for debt counselling, debt advice and related services. https://handbook.fca.org.uk/handbook/conc8/conc8s7

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S026

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, 8.7.2R fee-priority/repaid-creditor requirements and qualifying full-and-final model; 8.7.3G more-than-half guidance, fee spreading; 8.7.4R(1)–(4) commissions and fee correction/refunds; 8.7.6R payment, repeat charging, switching and unfair charges. Section shown updated 26 Oct 2015; cited rule texts individually date from 2014/2015. No universal capped percentage. Access 26 Oct 2026. handbook.fca.org.uk

Direct source URLs

https://handbook.fca.org.uk/handbook/conc8/conc8s7
https://handbook.fca.org.uk/handbook/conc8/conc8s7?utm_source=chatgpt.com

FCA, CONC 8.8 — Debt management plans: ongoing obligations. https://handbook.fca.org.uk/handbook/conc8/conc8s8?timeline=true

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S027

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, regular reviews, updates and statements for covered arrangements. Timeline display not a guarantee that every historical variant was checked. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/conc8/conc8s8?timeline=true
https://handbook.fca.org.uk/handbook/conc8/conc8s8?timeline=true&utm_source=chatgpt.com

FCA, CONC 8.9 — Lead generators. https://handbook.fca.org.uk/handbook/conc8/conc8s9

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S028

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, marketing/lead-generation relationships and debt-advice boundaries. Does not itself establish whether a particular intermediary is an appointed representative. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/conc8/conc8s9
https://handbook.fca.org.uk/handbook/conc8/conc8s9?utm_source=chatgpt.com

FCA, CONC 3.3 — The clear, fair and not misleading rule and general requirements. https://handbook.fca.org.uk/handbook/conc3/conc3s3?timeline=true

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S029

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, CONC 3.3.1R and accompanying advertising guidance, including misleading claims of assured reductions. Promotional-communication scope applies; contractual terms not inspected. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/conc3/conc3s3?timeline=true
https://handbook.fca.org.uk/handbook/conc3/conc3s3?timeline=true&utm_source=chatgpt.com

FCA, CONC 3.9 — Financial promotions and communications: debt counselling and related services. https://handbook.fca.org.uk/handbook/conc3/conc3s9

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S030

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, CONC 3.9.3R, 3.9.5R and 3.9.7R on required disclosure, risks and prohibited misleading presentation. Applicable communications and exceptions must be identified; not an exhaustive Advertising Standards Authority dossier. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/conc3/conc3s9
https://handbook.fca.org.uk/handbook/conc3/conc3s9?utm_source=chatgpt.com

FCA, CONC 2.6 — Distance marketing. https://handbook.fca.org.uk/handbook/conc2/conc2s6

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S031

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, distance services disclosure/cross-reference to cancellation. Applicability depends on the particular customer, contract and service; not all online messages create a cancellable distance contract. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/conc2/conc2s6
https://handbook.fca.org.uk/handbook/conc2/conc2s6?utm_source=chatgpt.com

FCA, CONC 11 — Cancellation. https://handbook.fca.org.uk/handbook/conc11

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S032

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, 11.1.1R–11.1.2R, 11.1.5R–11.1.14R: qualifying 14-calendar-day distance cancellation, exclusions, later information trigger, dispatch, proof for proportional service charge, firm refund and consumer return duties. Chapter shown updated 15 Jul 2026, including separate deferred-payment-credit guidance; original applicable rules have displayed dates. 30 days for firm refund runs from its receipt of cancellation; not an assumed signing date. Access 26 Oct 2026. CONC 11 Cancellation

Direct source URLs

https://handbook.fca.org.uk/handbook/conc11
https://handbook.fca.org.uk/handbook/conc11?utm_source=chatgpt.com

FCA, CONC 10 — Prudential requirements for debt management firms. https://handbook.fca.org.uk/handbook/conc10

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S033

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, 10.1.1R–10.1.2R, 10.1.6R, 10.2.5R, 10.2.8R on covered firms, financial resources, differing bases and provider capital/minimum requirements. Not a consumer advance fee or universal professional-indemnity requirement; calculations require firm-specific source predicates. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/conc10
https://handbook.fca.org.uk/handbook/conc10?utm_source=chatgpt.com

FCA, CONC Schedule 5 — Rights of action for damages. https://handbook.fca.org.uk/handbook/concsch5

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S034

Actually read: pinpoint, nature, currency, relevant limits

Opened, Handbook schedule, schedule entries distinguishing rules potentially actionable under FSMA s 138D and exceptions, including CONC 10. A private damages claim requires additional statutory standing, breach, causation and loss; not a presumption of automatic fee restitution. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/concsch5
https://handbook.fca.org.uk/handbook/concsch5?utm_source=chatgpt.com

FCA, CASS 11.1 — Application. https://handbook.fca.org.uk/handbook/cass11/cass11s1

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S035

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, CASS 11.1.1R–11.1.6R: CASS debt-management firm and activities, small/large firm application and professional-firm qualifications. CASS client-money rules do not govern all cash held by every adviser. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/cass11/cass11s1
https://handbook.fca.org.uk/handbook/cass11/cass11s1?utm_source=chatgpt.com

FCA, CASS 11.2 — Firm classification. https://handbook.fca.org.uk/handbook/cass11/cass11s2

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S036

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, CASS 11.2.1R–11.2.4R: small/large distinction, £1 million relevant highest amount held in relevant prior/projected periods and connected tests. £1 million is a firm classification threshold, not deposit insurance or a consumer fee cap. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/cass11/cass11s2
https://handbook.fca.org.uk/handbook/cass11/cass11s2?utm_source=chatgpt.com

FCA, CASS 11.3 — Responsibility for CASS operational oversight. https://handbook.fca.org.uk/handbook/cass11/cass11s3

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S037

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, operational oversight for covered firms and relevant changed arrangements. Firm governance is distinct from a consumer’s ownership of the money. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/cass11/cass11s3
https://handbook.fca.org.uk/handbook/cass11/cass11s3?utm_source=chatgpt.com

FCA, CASS 11.4 — Meaning of client money. https://handbook.fca.org.uk/handbook/cass11/cass11s4

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S038

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, money received/held for debt management or creditor distribution, with cessation and properly due fee distinctions. Whether a specific remittance is client money requires its purpose and actual allocation. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/cass11/cass11s4
https://handbook.fca.org.uk/handbook/cass11/cass11s4?utm_source=chatgpt.com

FCA, CASS 11.6 — The statutory trust. https://handbook.fca.org.uk/handbook/cass11/cass11s6

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S039

Actually read: pinpoint, nature, currency, relevant limits

Opened, R, CASS 11.6.1R on statutory trust for qualifying client money. Does not imply the entire fund remains intact if mishandled or a bank fails. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/cass11/cass11s6
https://handbook.fca.org.uk/handbook/cass11/cass11s6?utm_source=chatgpt.com

FCA, CASS 11.8 — Client bank accounts. https://handbook.fca.org.uk/handbook/cass11/cass11s8

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S040

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, including CASS 11.8.2R and 11.8.8R on appropriate client bank accounts, bank acknowledgment and record requirements. This is not the depositor FSCS compensation limit. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/cass11/cass11s8
https://handbook.fca.org.uk/handbook/cass11/cass11s8?utm_source=chatgpt.com

FCA, CASS 11.9 — Segregation and operation of client money accounts. https://handbook.fca.org.uk/handbook/cass11/cass11s9

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S041

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, segregation, treatment of cash/cheques, mixed remittances, individual allocation, withdrawals and consumer return. Conditions differ for a permitted fee versus sums designated to creditors. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/cass11/cass11s9
https://handbook.fca.org.uk/handbook/cass11/cass11s9?utm_source=chatgpt.com

FCA, CASS 11.10 — Payments to creditors. https://handbook.fca.org.uk/handbook/cass11/cass11s10

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S042

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, 11.10.1R–11.10.7G. Payment as soon as reasonably practicable is the rule; normally five business days is 11.10.2G FCA guidance. 11.10.3R requires all three express-term/precontract-attention/risk-explanation elements for the specified longer holding branch. 11.10.4R–11.10.6R address notifications, records and certain required financial restoration, including exceptions. Access 26 Oct 2026. CASS 11.10 Payments to creditors

Direct source URLs

https://handbook.fca.org.uk/handbook/cass11/cass11s10
https://handbook.fca.org.uk/handbook/cass11/cass11s10?utm_source=chatgpt.com

FCA, CASS 11.11 — Records, accounts and reconciliations. https://handbook.fca.org.uk/handbook/cass11/cass11s11

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S043

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, CASS 11.11 records and different reconciliation obligations for small/large firms, plus exceptions triggered by particular delayed distributions. Not a guarantee against errors or shortfall. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/cass11/cass11s11
https://handbook.fca.org.uk/handbook/cass11/cass11s11?utm_source=chatgpt.com

FCA, CASS 11.12 — Resolution pack. https://handbook.fca.org.uk/handbook/cass11/cass11s12

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S044

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, records/information to facilitate an insolvency resolution and reconstruction of client entitlements. Actual consumer access and liquidator processes are not determined here. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/cass11/cass11s12
https://handbook.fca.org.uk/handbook/cass11/cass11s12?utm_source=chatgpt.com

FCA, CASS 11.13 — Client money distribution on firm or approved-bank failure. https://handbook.fca.org.uk/handbook/cass11/cass11s13

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S045

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, 11.13 pooling, entitlement and rateable distribution in defined failure events. No universal full-recovery promise and no actual insolvency account inspected. Access 26 Oct 2026. handbook.fca.org.uk

Direct source URLs

https://handbook.fca.org.uk/handbook/cass11/cass11s13
https://handbook.fca.org.uk/handbook/cass11/cass11s13?utm_source=chatgpt.com

FCA, CASS Schedule 5 — Rights of action for damages. https://handbook.fca.org.uk/handbook/casssch5

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S046

Actually read: pinpoint, nature, currency, relevant limits

Opened, Handbook schedule, actionable-rule status and exclusions for identified CASS provisions under the FSMA private-action framework. Section display reported updated 25 Sep 2026; particular entries and standing control, not a right to automatic reimbursement for every breach. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/casssch5
https://handbook.fca.org.uk/handbook/casssch5?utm_source=chatgpt.com

FCA, DISP 1 — Treating complainants fairly. https://handbook.fca.org.uk/handbook/disp1?timeline=true

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S047

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, DISP 1.6.1R–1.6.2R and connected complaint handling: acknowledgment, investigation and usual final-response/eight-week pathway, with the relevant exceptions. The clock depends on receipt of a qualifying complaint by the respondent. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/disp1?timeline=true
https://handbook.fca.org.uk/handbook/disp1?timeline=true&utm_source=chatgpt.com

FCA, DISP 2 — Jurisdiction of the Financial Ombudsman Service. https://handbook.fca.org.uk/handbook/disp2

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S048

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, DISP 2.3.1R: covered respondents, activities and compulsory/voluntary jurisdiction. A regulatory complaint to FCA and an individual FOS claim are different channels. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/disp2
https://handbook.fca.org.uk/handbook/disp2?utm_source=chatgpt.com

FCA, DISP 2.7 — Eligible complainants. https://handbook.fca.org.uk/handbook/disp2/disp2s7

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S049

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, DISP 2.7 eligibility categories and relevant relationship tests, including consumers and qualifying organisations. Consumer status cannot be imported mechanically to every company or business borrower. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/disp2/disp2s7
https://handbook.fca.org.uk/handbook/disp2/disp2s7?utm_source=chatgpt.com

FCA, DISP 2.8 — Time limits. https://handbook.fca.org.uk/handbook/disp2/disp2s8

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S050

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, 2.8.1R–2.8.2R: usual prior-complaint/eight-week pathway, six-month referral from an adequate final response, and six-year event or later three-year awareness rule, with exceptions and qualifications. No computed date without complete facts. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/disp2/disp2s8
https://handbook.fca.org.uk/handbook/disp2/disp2s8?utm_source=chatgpt.com

FCA, COMP 3.2 — The qualifying conditions for compensation. https://handbook.fca.org.uk/handbook/comp3/comp3s2

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S051

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, COMP 3.2.1R and linked default/claim requirements. Insolvency alone does not establish a specific protected claim. Access 26 Oct 2026.

Direct source URLs

https://handbook.fca.org.uk/handbook/comp3/comp3s2
https://handbook.fca.org.uk/handbook/comp3/comp3s2?utm_source=chatgpt.com

FCA, COMP 4.2 — Eligibility for FSCS. https://handbook.fca.org.uk/handbook/comp4/comp4s2

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S052

Actually read: pinpoint, nature, currency, relevant limits

Opened, R, 4.2.1R–4.2.2R(20): in protected debt-management business, claimant must be a natural person; other exclusions and exceptions also apply. Section and cited rules displayed 17 Mar 2026. Access 26 Oct 2026. handbook.fca.org.uk

Direct source URLs

https://handbook.fca.org.uk/handbook/comp4/comp4s2
https://handbook.fca.org.uk/handbook/comp4/comp4s2?utm_source=chatgpt.com

FCA, COMP 5 — Protected claims. https://handbook.fca.org.uk/handbook/comp5

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S053

Actually read: pinpoint, nature, currency, relevant limits

Opened, R, 5.2.1R(6), 5.8.1R (5.8.1 displayed 1 Apr 2018): UK-establishment debt-management activity of a CASS debt-management firm, only so far as a claim concerns a client-money shortfall. No coverage established for mere poor debt advice or expected debt reduction. Access 26 Oct 2026. COMP 5 Protected claims

Direct source URLs

https://handbook.fca.org.uk/handbook/comp5
https://handbook.fca.org.uk/handbook/comp5?utm_source=chatgpt.com

FCA, COMP 10.2 — Limits on compensation payable. https://handbook.fca.org.uk/handbook/comp10/comp10s2

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S054

Actually read: pinpoint, nature, currency, relevant limits

Opened, R/G, 10.2.1R–10.2.3R: protected debt-management business entry provides 100% of qualifying claim, maximum £85,000; claim/category aggregation and other rules apply. Section last updated 29 Jul 2022; not the separately changed UK deposit-account limit. Access 26 Oct 2026. COMP 10.2 Limits on compensation payable

Direct source URLs

https://handbook.fca.org.uk/handbook/comp10/comp10s2
https://handbook.fca.org.uk/handbook/comp10/comp10s2?utm_source=chatgpt.com

Financial Services Compensation Scheme, Debt management — What we cover. https://www.fscs.org.uk/what-we-cover/debt-management/

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S055

Actually read: pinpoint, nature, currency, relevant limits

Opened, Official, headings “If the firm failed after 1 April 2019,” “If it failed between 1 April 2018 and 31 March 2019,” and “Limitations.” £85,000 and £50,000 corresponding limits; FCA authorisation, UK branch, reconciled shortfall, inability to pay, eligibility conditions. FSCS says advice and IVA practitioner payments are not protected by this category. Explanatory site, not replacement for COMP rules. Access 26 Oct 2026. FSCS

Direct source URLs

https://www.fscs.org.uk/what-we-cover/debt-management/
https://www.fscs.org.uk/what-we-cover/debt-management/?utm_source=chatgpt.com

Financial Ombudsman Service, Time limits for complaining. https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/expect/time-limits

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S056

Actually read: pinpoint, nature, currency, relevant limits

Opened, Official published consumer explanation; six months after final response and six-years/three-years awareness framework, subject to exceptions and jurisdiction. Page shown updated in 2022; binding DISP pinpoint S050 takes precedence. Access 26 Oct 2026.

Direct source URLs

https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/expect/time-limits
https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/expect/time-limits?utm_source=chatgpt.com

Financial Ombudsman Service, published decision DRN2727544 (2015). https://www.financial-ombudsman.org.uk/decision/DRN2727544.pdf

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S057

Actually read: pinpoint, nature, currency, relevant limits

Opened, original published PDF, two PDF pages, zero-based indices 0–1; printed-page numbering not independently established. Decision-specific amounts: £240 × 24 = £5,760; deduction £80; resulting £5,680, plus award terms including £150 and specified simple interest. Individual final decision, not legislation, general fee formula or binding precedent. Access 26 Oct 2026.

Direct source URLs

https://www.financial-ombudsman.org.uk/decision/DRN2727544.pdf
https://www.financial-ombudsman.org.uk/decision/DRN2727544.pdf?utm_source=chatgpt.com

Financial Ombudsman Service, published decision DRN-5484433 (2025). https://www.financial-ombudsman.org.uk/decision/DRN-5484433.pdf

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S058

Actually read: pinpoint, nature, currency, relevant limits

Opened, original published PDF, seven PDF pages, zero-based indices 0–6; printed-page numbering not independently established. Findings distinguish refunded firm fees, £600 distress award, creditor monies and unsupported speculative losses. Bounded decision-specific outcome, not a standard tariff. Access 26 Oct 2026.

Direct source URLs

https://www.financial-ombudsman.org.uk/decision/DRN-5484433.pdf
https://www.financial-ombudsman.org.uk/decision/DRN-5484433.pdf?utm_source=chatgpt.com

GOV.UK, Options for dealing with your debts — Debt management plans. https://www.gov.uk/options-for-dealing-with-your-debts/debt-management-plans

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S059

Actually read: pinpoint, nature, currency, relevant limits

Opened, Official guidance, DMP voluntary repayment arrangement, creditors’ participation/interest decisions and plan payment structure. UK-facing guidance used only for the E/W consumer comparison, not a statutory creditor moratorium. Access 26 Oct 2026.

Direct source URLs

https://www.gov.uk/options-for-dealing-with-your-debts/debt-management-plans
https://www.gov.uk/options-for-dealing-with-your-debts/debt-management-plans?utm_source=chatgpt.com

GOV.UK, Options for dealing with your debts — Individual voluntary arrangements. https://www.gov.uk/options-for-dealing-with-your-debts/individual-voluntary-arrangements

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S060

Actually read: pinpoint, nature, currency, relevant limits

Opened, Official guidance, IVA and licensed insolvency practitioner, required creditor approval, and its different legal mechanism. Full statutory vote calculation/eligibility and later variation rules not independently verified here. Access 26 Oct 2026.

Direct source URLs

https://www.gov.uk/options-for-dealing-with-your-debts/individual-voluntary-arrangements
https://www.gov.uk/options-for-dealing-with-your-debts/individual-voluntary-arrangements?utm_source=chatgpt.com

GOV.UK, Options for dealing with your debts — Debt relief orders. https://www.gov.uk/options-for-dealing-with-your-debts/debt-relief-orders

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S061

Actually read: pinpoint, nature, currency, relevant limits

Opened, Official guidance, E/W DRO as separate statutory relief involving approved intermediaries and conditions. This pass does not certify every current property, debt, income, cost or application threshold. Access 26 Oct 2026.

Direct source URLs

https://www.gov.uk/options-for-dealing-with-your-debts/debt-relief-orders
https://www.gov.uk/options-for-dealing-with-your-debts/debt-relief-orders?utm_source=chatgpt.com

GOV.UK / Insolvency Service, Guide to bankruptcy. https://www.gov.uk/government/publications/guide-to-bankruptcy/guide-to-bankruptcy

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S062

Actually read: pinpoint, nature, currency, relevant limits

Opened, Official guidance, England/Wales bankruptcy application, official receiver and trustee structure, creditor and asset consequences at a high level. Full procedure, exemptions, fees and discharge exceptions deferred. Access 26 Oct 2026.

Direct source URLs

https://www.gov.uk/government/publications/guide-to-bankruptcy/guide-to-bankruptcy
https://www.gov.uk/government/publications/guide-to-bankruptcy/guide-to-bankruptcy?utm_source=chatgpt.com

GOV.UK / Insolvency Service, Debt Respite Scheme (breathing space): guidance for creditors. https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S063

Actually read: pinpoint, nature, currency, relevant limits

Opened, Official guidance, England/Wales standard 60-day breathing space, regulated debt-advice entry, creditor notification/restrictions and separate mental-health-crisis branch. Actual statutory SI was not retrieved (S065), so an operative-text verification hold applies. Access 26 Oct 2026.

Direct source URLs

https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors
https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors?utm_source=chatgpt.com

GOV.UK / Insolvency Service, Debt Respite Scheme (breathing space): guidance for money advisers. https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-money-advisers

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S064

Actually read: pinpoint, nature, currency, relevant limits

Opened, Official guidance, England/Wales entry and adviser-role conditions, including FCA-authorised debt counselling and specified local-authority routes; separate standard/mental-health-crisis processes. Not a rule allowing any paid negotiator to enrol customers. Access 26 Oct 2026.

Direct source URLs

https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-money-advisers
https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-money-advisers?utm_source=chatgpt.com

UK legislation.gov.uk, Debt Respite Scheme (Breathing Space Moratorium and Mental Health Crisis Moratorium) (England and Wales) Regulations 2020, SI 2020/1311. https://www.legislation.gov.uk/uksi/2020/1311/made

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S065

Actually read: pinpoint, nature, currency, relevant limits

Failed operative-text retrieval. Official explanatory guidance at S063–S064 was read, but regulation-by-regulation enactment, amendments and current effect remain unverified. Access 26 Oct 2026.

Direct source URLs

https://www.legislation.gov.uk/uksi/2020/1311/made
https://www.legislation.gov.uk/uksi/2020/1311/made?utm_source=chatgpt.com

UK legislation.gov.uk, RAO 2001 alternate Part II endpoint. https://www.legislation.gov.uk/uksi/2001/544/part/II/2026-07-15?view=plain

Recorded check status: reviewed with bounded revisions and statutory source application holds

Source

C_EW-P01-S066

Actually read: pinpoint, nature, currency, relevant limits

Failed official alternative after S001; no substantive statutory body obtained. Not counted as affirmative support for any article. Access 26 Oct 2026.

Direct source URLs

https://www.legislation.gov.uk/uksi/2001/544/part/II/2026-07-15?view=plain
https://www.legislation.gov.uk/uksi/2001/544/part/II/2026-07-15?view=plain&utm_source=chatgpt.com

EW-A01 — Regulator/authority map. FCA regulates covered consumer-credit debt advice/adjusting; RAO/FSMA is the statutory gateway. §4 C003, C011.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C003, C_EW-P01-C011

Missing proof and next focused action

Reopen operative RAO/FSMA and jurisdiction provisions, distinguishing statutes from FCA G/R.

EW-A02 — Current RAO text and enactment status. Statutory definitions identified via FCA, but not directly read. §3 S001/S066.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

unresolved

Exact claim IDs

C_EW-P01-C001, C_EW-P01-C003, C_EW-P01-C004

Missing proof and next focused action

Retrieve official current RAO arts 39D–39K, 60B, 60N, schedules, commencement/amendment annotations and transitional effects through a viable official full-text route.

EW-A03 — FSMA general prohibition, offences and civil contract consequences. FCA interpretation obtained. §4 C011/C022.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C011, C_EW-P01-C022

Missing proof and next focused action

Read enacted FSMA ss 19, 21, 23, 26–28, 138D, 327, 418 with relevant current amendments; avoid assumptions about each remedy.

EW-A04 — Debt-adjusting acts. Negotiating payment terms/taking responsibility can be in scope. §4 C003; Scenario 1.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C003

Missing proof and next focused action

Obtain RAO 39D body and exceptions; apply service-by-service factual tests.

EW-A05 — Debt-counselling acts. Personal liquidation advice can be in scope. §4 C004–C006.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C004, C_EW-P01-C005, C_EW-P01-C006

Missing proof and next focused action

Read RAO 39E current text; map generic content, decision trees and personalised recommendation cases.

EW-A06 — Adjacent collecting/administering activities. Not all collections or payment distribution constitute debtor-side advice. §4 C007/C018.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C007, C_EW-P01-C018

Missing proof and next focused action

Map applicable RAO activities/exclusions and separate payment-services regulations.

EW-A07 — Credit-agreement debt. Qualifying agreements may include credit not itself regulated as a lending agreement. §4 C001/C005.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C001, C_EW-P01-C005

Missing proof and next focused action

Confirm statutory agreement definition and each exclusion for specific products.

EW-A08 — Consumer hire. Distinct defined agreements are covered in particular rules; hire term matters. §4 C002/C036.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C002, C_EW-P01-C036

Missing proof and next focused action

Verify RAO 60N and service-specific cancellation exceptions against actual hire agreement.

EW-A09 — Individual, sole trader, partnerships. Legal form is material; sole trader is a natural person, but that alone does not settle every credit-contract test. §4 C001.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C001

Missing proof and next focused action

Reopen exact RAO/CCA individual definitions, partnership-size and purpose exceptions; resolve each borrowed-for-business branch.

EW-A10 — Companies and other organisations. No categorical consumer entitlement established for corporate debtor. §4 C001/C050/C053.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C001, C_EW-P01-C050, C_EW-P01-C053

Missing proof and next focused action

Distinguish advice-activity debtor definition from FOS and FSCS eligibility; validate organisation type.

EW-A11 — Business-purpose cases. “Business debt” is not a reliable single exemption label. §4 C001/C005/C019.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C001, C_EW-P01-C005, C_EW-P01-C019

Missing proof and next focused action

Read actual business-purpose exceptions and any monetary/agreement formalities.

EW-A12 — Secured and particular-creditor debts in perimeter. Security/contract type may change credit classification; borrower remedies not analysed. §4 C001/C027.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C001, C_EW-P01-C027

Missing proof and next focused action

Reopen land-secured exclusions and debt-specific rules; do not equate mortgage debt with ordinary credit-card debt.

EW-A13 — Territorial UK nexus. FCA describes s 19/s 418 territorial tests. §4 C009; Scenario 3.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C009

Missing proof and next focused action

Read enacted territorial sections and actual location-of-activity analysis.

EW-A14 — Overseas establishment/UK-resident customer. CONC 1.2.5R application identified. §4 C010; Scenario 3.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C010

Missing proof and next focused action

For a real fact pattern establish firm, establishment, customer's habitual residence and covered activities; separate unresolved authorisation nexus.

EW-A15 — Authorisation versus specific permission. Different concepts; permission scope governs. §4 C011; Scenario 1.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C011

Missing proof and next focused action

Transaction-date Register inspection would be needed for an actual actor; none authorised here.

EW-A16 — Full versus limited permissions. Narrow incidental activity ≠ unrestricted DMP services. §4 C012.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C012

Missing proof and next focused action

Exact permission type, FCA conditions and status on relevant date remain actor-dependent.

EW-A17 — Appointed representatives/principals. Potential route with defined activity/written-principal conditions. §4 C013.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C013

Missing proof and next focused action

Check RAO/SUP activity eligibility, written appointment and principal responsibility at relevant date.

EW-A18 — Registration-only claims. FCA Register presence alone insufficient to establish permission. §4 C011/C021.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C011, C_EW-P01-C021

Missing proof and next focused action

Actual name/record lookup intentionally not performed.

EW-A19 — Historic and future changes. Current page dates and amendments are distinguished from statutory effective dates. §3 source status.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

unresolved

Exact claim IDs

C_EW-P01-C011, C_EW-P01-C035, C_EW-P01-C041

Missing proof and next focused action

Obtain RAO/FSMA consolidation and amendments at baseline 22 Oct and check 26 Oct changes, commencements and future-effective instruments.

EW-B01 — Commercial paid negotiator. Personal adjustment/counselling by way of business may require appropriate permission. §4 C003/C004/C008/C011; Scenario 1.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C003, C_EW-P01-C004, C_EW-P01-C008, C_EW-P01-C011

Missing proof and next focused action

Reopen statutory articles and individual activity/payment facts.

EW-B02 — Charity/nonprofit. No blanket free/nonprofit exemption. §4 C008/C014; Scenario 1.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C008, C_EW-P01-C014

Missing proof and next focused action

Determine actual by-way-of-business status and particular exclusion.

EW-B03 — Free financial counsellor and general publisher. Fee absence and non-personalised educational material lead to distinct tests. §4 C006/C008.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C006, C_EW-P01-C008

Missing proof and next focused action

Review actual scripts, advice and business context; do not infer licence from general publication.

EW-B04 — Legal professionals/accountants. Designated-profession routes depend on strict conditions. §4 C015.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C015

Missing proof and next focused action

Verify professional-body permission, incidental character and financial benefit.

EW-B05 — Licensed insolvency practitioners. Appointment/reasonable contemplation exclusion differs from unrelated debt advice. §4 C016; Scenario 2.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C016

Missing proof and next focused action

Confirm IP's exact capacity and relevant statutory definition/appointment.

EW-B06 — Creditor collecting its own debt. Narrow conditional exclusions; not universal. §4 C017.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C017

Missing proof and next focused action

Reopen RAO 39H–39K and actual ownership/agency facts.

EW-B07 — Debt collectors and third-party collection firms. Separate activity classification identified, full collector conduct deferred. §4 C007/C018.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C007, C_EW-P01-C018

Missing proof and next focused action

Read collector-specific rules in a separate focused pass and linked exclusions.

EW-B08 — Payment distributor/platform. Fund role may invoke CASS and possibly other regimes. §4 C018/C039.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C018, C_EW-P01-C039

Missing proof and next focused action

Map legal possession, payment initiation, debtor/creditor agency and Payment Services Regulations separately.

EW-B09 — Enterprise scheme. Particular no-pecuniary-gain conditions, not blanket small-business exemption. §4 C019.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C019

Missing proof and next focused action

Retrieve operative RAO enterprise-scheme text and scheme facts.

EW-B10 — Local authorities/official officers. Specified official arrangements and breathing-space adviser gateway. §4 C020/C061.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C020, C_EW-P01-C061

Missing proof and next focused action

Read statutory basis and exact official function before treating actor as exempt or eligible.

EW-B11 — Public verification. FCA Register, specific activities, limitations, historic status, principal; verify identity against official checker. §4 C021.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C021

Missing proof and next focused action

No named entity/person/permission search, and no claim that any provider presently holds approval.

EW-B12 — Agency regulatory fees. Consumer fee rules located; licence application/periodic fees not fully inventoried. §4 C023/C033.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

unresolved

Exact claim IDs

C_EW-P01-C023, C_EW-P01-C033

Missing proof and next focused action

Separate FCA fee tariff/FEES module by firm type from any consumer charge.

EW-B13 — Firm financial resources. CONC 10 tiered requirement and professional carve-out identified. §4 C023.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C023

Missing proof and next focused action

Any actual amount needs managed debt value, accounting date, other activities and eligible resource balances.

EW-B14 — Mandatory bond/security/PI. No general amount or universal requirement established. §4 C023.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

unresolved

Exact claim IDs

C_EW-P01-C023

Missing proof and next focused action

Read FCA threshold conditions, firm-specific permission conditions, professional body rules and any applicable PII requirement.

EW-B15 — Violation: offence/enforceability. Some statutory consequences exist, automatic debt voiding not established. §4 C022/C049.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C022, C_EW-P01-C049

Missing proof and next focused action

Read FSMA ss 23 and 26–28, including exceptions, discretion, recovery and transaction nexus before claiming remedy.

EW-C01 — Promotions/government claims. CONC standards address misleading claims and debt-relief advertisements. §4 C024; Scenario 5.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C024

Missing proof and next focused action

Particular advertisement and audience not provided; no violation found for an actual actor.

EW-C02 — First contact free-advice notice. Debt management firm must point to MoneyHelper from first oral/written communication and on website. §4 C025.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C025

Missing proof and next focused action

Scope limited to “debt management firm”; actual communication not obtained.

EW-C03 — Initial precontract information. Service, duration, formula/estimated total, fees, cancellation and distribution information in durable medium at first enquiry. §4 C027/C028.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C027, C_EW-P01-C028

Missing proof and next focused action

Document delivery/receipt and consumer-credit disclosure-regulation branch remain contract facts.

EW-C04 — Suitability/best interests. Personal circumstances and affordable options must drive advice. §4 C026.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C026

Missing proof and next focused action

Actual budget/medical/employment evidence required for individual determination.

EW-C05 — Alternatives and impartial help. Appropriate UK-country solutions and referrals required on specified facts. §4 C025–C027.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C025, C_EW-P01-C026, C_EW-P01-C027

Missing proof and next focused action

Availability and eligibility of each local mechanism require separate check.

EW-C06 — Priority debt risk. Advice must warn about taxes, fines, child support, essential services, eviction and repossession. §4 C027.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C027

Missing proof and next focused action

Amounts and enforcement priority deferred; provider must address actual risk.

EW-C07 — Vulnerability. Firm procedures required; individual hardship and mental-capacity concerns affect advice. §4 C026/C030.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C026, C_EW-P01-C030

Missing proof and next focused action

Actual vulnerability evidence and reasonable adjustments are case-specific; full equality-law regime not researched.

EW-C08 — Durable written advice/exceptions. Rule and exact 8.3.4AR non-contract exception identified. §4 C027.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C027

Missing proof and next focused action

Must inspect reason record before accepting exception; no contract obtained.

EW-C09 — Written contract and prohibited terms. Specific contents and anti-waiver/anti-contact restrictions. §4 C028.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C028

Missing proof and next focused action

Individual enforceability/private-remedy and contract text remain untested.

EW-C10 — Financial statement and lender allocation disclosure. Budget/creditor statements required. §4 C029.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C029

Missing proof and next focused action

Any exact distributable sum needs creditor/current budget evidence.

EW-C11 — DMP fee frontloading. Significant lender payments must be possible from first month. §4 C031/C032.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C031, C_EW-P01-C032

Missing proof and next focused action

No fee calculation without actual contract, plan and ledger.

EW-C12 — 50% discussion. FCA “more than half” is guidance; not a legal fee ceiling. §4 C032.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C032

Missing proof and next focused action

Actual plan compliance additionally tested under 8.7.2R.

EW-C13 — Full-and-final fee/holding model. Express qualification exists, subject to all applicable rules. §4 C031/C045; Scenario 4.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C031, C_EW-P01-C045

Missing proof and next focused action

Inspect precontract holding term, separate attention/risk explanation and CASS allocation.

EW-C14 — Fees and authority to debit. No collection before contract; specified credit-card, repeat, cancellation and unauthorised-payment prohibitions. §4 C033.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C033

Missing proof and next focused action

Actual mandates, method, dates and contract needed.

EW-C15 — Incorrect/inappropriate advice refunds. Charge-specific refund/credit requirements. §4 C034; Scenario 5.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C034

Missing proof and next focused action

Prove defect, charge link and restitution/account treatment.

EW-C16 — Unperformed/poor work refunds. Appropriate refund duty exists. §4 C034; Scenario 4.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C034

Missing proof and next focused action

Work records, degree of failure and fees paid necessary for actual calculation.

EW-C17 — Debt-packager commissions. Direct/indirect referral remuneration prohibition with nonprofit, statutory and accrued-right exceptions. §4 C035.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C035

Missing proof and next focused action

Transaction-date scope and remuneration records needed; no specific actors inspected.

EW-C18 — Distance cancellation coverage. Specified qualifying contracts 14 calendar days, limited exceptions. §4 C036; Scenario 4.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C036

Missing proof and next focused action

Need actual contract category, delivery facts and exceptions.

EW-C19 — Cancellation period calculation. Later of contract and specified information receipt; dispatch rule. §4 C037/C038.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C037, C_EW-P01-C038

Missing proof and next focused action

No trigger/method/receipt dates supplied; no calendar date calculated.

EW-C20 — Cancellation charges and firm repayment. Conditional proportionate work charge; 30-day firm receipt clock. §4 C038; Scenario 4.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C038

Missing proof and next focused action

Proof of consumer early-performance request, prior charge disclosure and actual work required.

EW-C21 — Ongoing plan supervision. Contact, reviews, changing circumstance statements and creditor updates. §4 C029/C030.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C029, C_EW-P01-C030

Missing proof and next focused action

Actual frequency, communication and evidence of change need records.

EW-C22 — Creditor acceptance/interest/enforcement. Private DMP or FFS does not compel consent or stay recovery. §4 C057; Scenario 2.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C057

Missing proof and next focused action

Each creditor agreement and applicable contractual/statutory enforcement rights still need separate analysis.

EW-C23 — No automatic IVA/DRO/breathing-space conversion. Distinct formal mechanisms. §4 C057–C061; Scenarios 2/5.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C057, C_EW-P01-C058, C_EW-P01-C059, C_EW-P01-C060, C_EW-P01-C061

Missing proof and next focused action

Check formal entry evidence before describing moratorium or discharge.

EW-D01 — Who holds regulated client money. Defined CASS debt-management actors and qualifying remittances. §4 C039; Scenarios 4–6.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C039

Missing proof and next focused action

Match actual actor, payment purpose and exclusions before applying CASS.

EW-D02 — Money versus earned fee. Creditor funds cannot simply be labelled provider earnings; correctly due fees are distinguished. §4 C034/C039; Scenarios 4/5.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C034, C_EW-P01-C039

Missing proof and next focused action

Contract, invoice, services provided and allocation ledger required.

EW-D03 — Small/large CASS classification. £1m highest-held threshold, past/projected year, notice and election provisions. §4 C041.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C041

Missing proof and next focused action

Firm-specific holdings and notifications unavailable.

EW-D04 — Trust and segregation. Statutory trust, account separation and duties. §4 C040.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C040

Missing proof and next focused action

Actual account/trust records unavailable; protection not guaranteed recovery.

EW-D05 — Client bank accounts. Bank acknowledgments and relevant records. §4 C042.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C042

Missing proof and next focused action

Confirm actual bank, acknowledgment and account operation in a provider-specific review, if authorised.

EW-D06 — Cash/cheque and mixed remittances. Depositing and allocation rules differ from digital clearing. §4 C043.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C043

Missing proof and next focused action

Need payment-medium and bank-clearing facts for a deadline calculation.

EW-D07 — Client allocation and reconciliations. Record individual entitlements, reconcile at firm-appropriate frequency. §4 C041/C044.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C041, C_EW-P01-C044

Missing proof and next focused action

Actual records and method unavailable; no assumed zero shortfall.

EW-D08 — Distribution to creditors. As-soon-as-reasonably-practicable duty, normally five-business-day FCA guidance. §4 C045.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C045

Missing proof and next focused action

Check cleared receipt, business-day calendar, distribution history and whether exception actually established.

EW-D09 — Contractual delayed distribution. Express-term + separate precontract attention + risk explanation are cumulative. §4 C045; Scenario 4.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C045

Missing proof and next focused action

Missing any predicate changes branch; actual contracts unavailable.

EW-D10 — Unexpected delay/restoration. Notices and financial restoration subject to specific exclusions. §4 C045/C046.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C045, C_EW-P01-C046

Missing proof and next focused action

Require proof of delay, causation, fees/interest and factors outside firm's control.

EW-D11 — Consumer withdrawal and refund of held money. Different CASS/CONC rights and triggers. §4 C047/C038; Scenario 4.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C047, C_EW-P01-C038

Missing proof and next focused action

Exact client-money release instructions, bank transfer status and cancellation receipt are case-specific; ordinary contractual termination branch needs exact agreement.

EW-D12 — Firm financial failure and pooling. CASS distribution, possible proportional shortfall. §4 C048; Scenario 6.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C048

Missing proof and next focused action

Actual insolvency pool, competing claims and costs not obtained; numerical pool example not an entitlement determination.

EW-D13 — Safeguarding guarantee. No unconditional recovery guarantee established; shortfall/FSCS tests distinct. §4 C048/C052–C054.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C048, C_EW-P01-C052, C_EW-P01-C053, C_EW-P01-C054

Missing proof and next focused action

Underlying bank failure/administration facts and claimant eligibility determine actual outcome.

EW-D14 — Regulatory enforcement versus private rights. CONC/CASS Sch 5 potentially actionable rules; CONC 10 excluded. §4 C049.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

partial

Exact claim IDs

C_EW-P01-C049

Missing proof and next focused action

FSMA s 138D operative body and specific cause-of-action elements remain statutory hold.

EW-D15 — Firm complaint and FOS forum. Eligible complainant/respondent/activity gateway. §4 C050/C051.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C050, C_EW-P01-C051

Missing proof and next focused action

An individual respondent and complaint have not been assessed; no submission made.

EW-D16 — FOS time limits. Usual eight-week/six-month/six-year/three-year stages with exceptions. §4 C051.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C051

Missing proof and next focused action

No consumer-specific deadlines computed without receipt/final response/awareness facts.

EW-D17 — FSCS eligibility and limit. UK-establishment client-money shortfall, qualified natural person, qualifying firm default; £85k contemporary cap. §4 C052–C054.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C052, C_EW-P01-C053, C_EW-P01-C054

Missing proof and next focused action

Failure date, eligibility, firm status and reconciliation still case-specific; not coverage for mere dissatisfaction.

EW-D18 — Published FOS decisions. Two bounded original decisions show charge- and loss-specific redress. §4 C055/C056.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C055, C_EW-P01-C056

Missing proof and next focused action

No citator, acceptance/implementation record, representative sample or basis for universal damages tariff.

EW-D19 — Consumer records checklist. Contract, first-contact disclosure, advice, plan, creditor replies, statements, bank/client ledger, cancellation, complaint/final response. §2 Scenarios 2/4/5; §4 C021/C028/C029/C038–C047/C050.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C021, C_EW-P01-C028, C_EW-P01-C029, C_EW-P01-C038, C_EW-P01-C039, C_EW-P01-C047, C_EW-P01-C050

Missing proof and next focused action

No private records requested, received or examined.

EW-E01 — Ordinary DMP. Contractual/voluntary debt repayments, not automatic statutory moratorium. §4 C057; Scenario 2.

Recorded check status: reviewed with bounded revisions and statutory source application holds

Status

answered

Exact claim IDs

C_EW-P01-C057

Missing proof and next focused action

Individual creditor acceptance, interest and enforcement must be proved.

EW-E02 — Private full-and-final settlement. Specific creditor acceptance and discharge wording matter; provider holding model has separate fee/CASS rules. §4 C031/C057; Scenario 4.

Recorded check status: reviewed with bounded revisions and statutory source application holds