SAFEGUARD ALARM the FCA admit in 2024 Annual Review Webinar at 108 minutes (its on FCA website). The FCA alert of importance of lived experience of Consumer Duty and FAILURE in COVID Lockdown to safeguard a vulnerable widow and 3 children denied her husband's and their fathers life insurance of £450k. I am the widow named in the FCA broadcast as Amy Lawson-Gill and Sheldon Mills a qualified Lawyer and FCA Director answered, firms MUST process a death SETTLEMENT claim according to contracts TERMs to administer the life protection with high sensitivity due to vulnerability. DELIVERY FAILURE of contract terms dismissed by Ombudsman because 2010 contracts specify "Not to be held in trust" but the financial advisor had a conflict of interest, she did replacement sales in 2010 CHURNED 2005 contracts also not held in trust to falsify £15k commission for herself replaced same AVIVA policies when selling the mortgage (also grossly falsified income to avoid mortgage rejection unbeknownst to couple/widow until 2023, 4 life policies replaced intent to harm clients. Aviva breach data protection, duty of care to support FAKE sales (illegal cartel MARKET ABUSE) despite same firm (SJP) fined in nov 2003 £250k report by FSA for SAME replacement sales, churned money into investments (trust bond) in money laundering. The Ombudsman is DANGEROUS/RECKLESS, disregards death claim breach (2020) refuse review support fraud/theft to breach contracts, expects Amy/widow to safeguarded herself instead of questioning firms for illegal activity. Financial advisor falsified documents from 2010 to 2021 thru policy term, gave harmful inaccurate OUTCOMEpolicies PROTECTED couple. Advisor hid 4 uncheck trusts breach COBS 16.6.2 and UTCCR 1999 S5, contracts unchanged, data shows corruption papertrail despite this the death claim specified payment to widow to Barclays but advisor verbally intercepts death claim without legal authority instructs Aviva to pay Lifefunds into WRONG BANK to deny widow then denied a review by Aviva / St James Place. Ombudsman supports fraud disregards FCA, refuse review insists son as rogue trustee by forgery to block, control to deny mother access, that son must agree to review by Ombudsman despite threat to kill mother in domestic/financial/economic abuse. Discretionary trust a sham created only to temp receive money for laundering, drained immediately by advisor to reallocate funds into trust bond at £25k/yr high yield commission for advisor thus far £100k received and rewrote 2 sons as only beneficiaries.Inserting rogue son breached hidden trust deed 2010, 2010 contracts "not to be held in trust" replaced 2005 breach COBS 9.4 assessing client suitabilityAdvisor internal data admits deception to insert 2nd son to control/abuse his mother/widow to deny family life protection as funds were drained from discretionary trust reallocated into trust bond rewrote exclusively 2 of 5 sons as ONLY beneficiaries supports financial/economic abuse by breaches and deceptive administration. The FCA is UNFIT for purpose breach s149, Equality act, public sector duty to eliminate discrimination, advance equality of opportunity, and human rights. Advisor falsified accounts that husband was still alive to portray false income when processing death claim.breach of art. 5, 9, 22 DPA 2018, UN Convention harm of children vulnerable/bereaved. Outcry in financial services industry HARMS CONSUMERS and FSA 2012 s.82(4)a, public at risk. FCA DISREGARD their own ALERTS NO pursuit of HARMFUL firms or Ombudsman supporting fraud. 2 Ombudsman agreed review on MP3 immediately replaced by 3rd ombudsman (Mandeep Kang) 4th, Iffat Luba also refuse review 2021 (SYSC 5.1) insists abusive estranged son fraudulently inserted as trustee to control/commit financial/economic abuse must give his permission for the Ombudsman review to proceed despite threatening to kill his mother reported to police in feb 2022. The regulators support violence against bereaved women/children!The son was never a client, (only clients were couple) breaches COBS 2.1 to act in the 2 clients best interests.WARN: equality, human and protection rights disregarded by FCA, financial industry regulators are supporting violence/harm against women/children. FCA Consumer Duty a sham.Widows 8 yr old son also threatened 2024 to be stabbed with knife following an incident created by Aviva CEO email threat to widow on Fri 13th Sept 2024 led to disagreement, widow defended/protect 8 yr old child. All violence created by multiple failure by firms/regulators to protect widow, allow theft of £450k life funds, refuse review/remedyWarn: public Regulatory support towards violence, harm, fraud against women/children
Claim your business profile now and gain access to all features and respond to customer reviews.
