FSCS in-default register

Moray Financial Services

Declared in default14 July 1999FRN 136377

What this means for you

Because Moray Financial Services 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

Moray Financial Services, FRN 136377, was declared in default by the Financial Services Compensation Scheme on 14 July 1999. The firm's specific product lines cannot be determined from available records. Former customers may be entitled to FSCS compensation depending on the types of products they held, with standard limits of £85,000 for investments, mortgages, and deposits, or 90 per cent of losses without limit for insurance products.

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.