FSCS in-default register

Howard Frapwell Insurance & Mortgage Independent Financial Advisers Ltd

Declared in default24 August 2004FRN 115118

What this means for you

Because Howard Frapwell Insurance & Mortgage Independent Financial Advisers Ltd has been declared in default, you can't complain via the Financial Ombudsman Service in the normal way. Instead, eligible customers can apply to the Financial Services Compensation Scheme for compensation.

Background

Howard Frapwell Insurance & Mortgage Independent Financial Advisers Ltd (FRN 115118) was declared in default by the Financial Services Compensation Scheme on 24 August 2004. The firm provided independent financial advice on insurance and mortgage products. Eligible customers may be entitled to compensation of up to £85,000 for mortgage claims and 90 per cent of losses for insurance claims with no upper limit.

Products this firm wrote

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How to claim

  1. Check you were a customer of this firm during the period it was regulated.
  2. Gather your policy / advice / contract paperwork — start with anything you have in writing.
  3. Identify your loss and the date it crystallised.
  4. Apply via the FSCS online claim portal at claims.fscs.org.uk.
  5. The FSCS investigation typically takes 6–18 months. They will assess eligibility, liability and quantum.