Heritage Financial Services Limited
What this means for you
Because Heritage Financial Services Limited 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
Heritage Financial Services Limited (FRN 148084) was declared in default by the Financial Services Compensation Scheme on 5 February 2006. The firm's product offerings cannot be determined from available records, preventing specification of the compensation limits applicable to affected customers. Eligible claimants may be entitled to FSCS protection up to £85,000 for most investment and deposit products, or 90% of losses without limit for insurance-related claims, depending on the nature of their holdings.
Products this firm wrote
How to claim
- Check you were a customer of this firm during the period it was regulated.
- Gather your policy / advice / contract paperwork — start with anything you have in writing.
- Identify your loss and the date it crystallised.
- Apply via the FSCS online claim portal at claims.fscs.org.uk.
- The FSCS investigation typically takes 6–18 months. They will assess eligibility, liability and quantum.