FSCS in-default register

David Bates (deceased) & Anne Bates t/a Cairns Horne & Company

Declared in default19 March 2014FRN 160099

What this means for you

Because David Bates (deceased) & Anne Bates t/a Cairns Horne & Company 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

David Bates (deceased) and Anne Bates, trading as Cairns Horne & Company (FRN 160099), were declared in default by the Financial Services Compensation Scheme on 19 March 2014. The firm's product types are not specified in available records. Eligible customers may be entitled to FSCS compensation, subject to the applicable limits for the relevant product category.

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.