J Unwin (deceased) and J Keery (deceased) t/a Havering & Essex Financial Services
What this means for you
Because J Unwin (deceased) and J Keery (deceased) t/a Havering & Essex 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
J Unwin (deceased) and J Keery (deceased), trading as Havering & Essex Financial Services (FRN 143807), was declared in default by the Financial Services Compensation Scheme on 10 April 2013. The firm's specific product offerings cannot be determined from available records. Eligible customers may be entitled to compensation under FSCS protection limits, though the applicable category and ceiling depend on the type of financial product involved in their claim.
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.