Michael Howard
People rarely question financial advice until something feels wrong, and by then it is hard to know where to look. This page gathers the Financial Ombudsman Service’s published decisions naming Michael Howard in one place, so you can read them for yourself.
The ombudsman has published 1 decision naming Michael Howard, and upheld the complaint in every one. The complaints concern insurance.
Published ombudsman decisions
| Date | Reference | Type of complaint | Outcome | Decision |
|---|---|---|---|---|
| 1 December 2023 | DRN-4467178 | Insurance | Upheld | Read the decision |
An upheld decision means the ombudsman agreed with that consumer in that individual case. It does not by itself mean any other complaint will succeed, and every case turns on its own facts.
A note on identification. The Financial Ombudsman Service publishes the name of the business a complaint was made against, but not its company number or FCA reference. Business names are not unique, so this page deliberately reports only what the ombudsman published and does not attach company records, directors or regulatory histories that we could not verify beyond doubt as belonging to the same business. If you dealt with a business of this name and want to know whether these decisions concern the same one, get in touch and we will check properly.
How a complaint works, and where to start
Where a business is still trading and regulated, a complaint starts with the business itself. It is only fair that it is given the opportunity to put things right, and it has up to eight weeks to give you its final response. If that does not resolve matters, you can refer the case to the Financial Ombudsman Service, which is free to consumers, independent, and can direct a business to pay redress. You normally have six months from the final response to do so.
Court action is the alternative. It is a genuine option but it can be costly, and a claim above £10,000 falls outside the small claims track, which means you could be exposed to paying the other side’s legal costs if it does not go your way.
If the business has since stopped trading, a complaint cannot be made to it and the Financial Services Compensation Scheme becomes the route instead. Where a company was dissolved within the last six years there may also be a claim against the professional indemnity insurance it held at the time.
We will establish which of those applies to your situation and tell you honestly whether there is a route worth pursuing.
How can we help?
We take the weight of the case off your shoulders. We start with a free, no obligation chat, give you an honest early view of whether you have grounds, and if you decide to go ahead we work on a no win, no fee basis. Establishing what happened when records are old or scattered is a large part of the job, and it is the part people find hardest alone.
Speak to us today
Cases like these can be time sensitive, so it is worth getting a view early. Call 0800 041 8359 or make an enquiry and one of our team will come back to you.
NB: the information on this page is taken from decisions published by the Financial Ombudsman Service. It is factual and neutral, makes no allegation against any individual, and is not advice. No outcome is promised.
Review page sources: Financial Ombudsman Service published decisions. Public records, provided for transparency.
