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DISP 2.3 To which activities does the Compulsory Jurisdiction apply?

7Activities by firms

DISP 2.3.1R

7The Ombudsman can consider a complaint under the Compulsory Jurisdiction if it relates to an act or omission by a firm in carrying on one or more of the following activities:

  1. (1)

    regulated activities (other than auction regulation bidding);10

  2. (1A)

    payment services;7

  3. (1B)

    [deleted]13

    12
  4. (1C)

    CBTL business;

    14
  5. (2)

    [deleted]1122

    1122
  6. (3)

    lending money secured by a charge on land;

  7. (4)

    lending money (excluding restricted credit where that is not a credit-related regulated activity 11 22 );

    1122
  8. (5)

    paying money by a plastic card (excluding a store card where that is not a credit-related regulated activity 11 22 );

    1122
  9. (6)

    providing ancillary banking services;

or any ancillary activities, including advice, carried on by the firm in connection with them.620

7Activities by firms and unauthorised persons subject to a former scheme

DISP 2.3.2G

The Ombudsman can also consider under the Compulsory Jurisdiction:620

620
  1. (1)

    as a result of the Ombudsman Transitional Order, a relevant existing complaint or a relevant new complaint that relates to an act or omission by a firm or an unauthorised person which was subject to a former scheme immediately before commencement; or

  2. (2)

    as a result of the Mortgages and General Insurance Complaints Transitional Order, a relevant transitional complaint that relates to an act or omission by a firm (or an unauthorised person that ceased to be a firm after the relevant commencement date) which was subject to a former scheme at the time of the act or omission;

provided that:

  1. (3)

    the act or omission occurred in the carrying on by that firm or unauthorised person of an activity to which that former scheme applied; and

  2. (4)

    the complainant is eligible and wishes to have the complaint dealt with by the Ombudsman.

    7

Activities by firms and unauthorised persons previously subject to the Consumer Credit Jurisdiction

DISP 2.3.2-AG

1122In accordance with article 11 of the Regulated Activities Amendment Order, the Ombudsman can also consider under the Compulsory Jurisdiction:

  1. (1)

    a relevant existing credit-related complaint referred to the Financial Ombudsman Service before 1 April 2014 which was formerly being dealt with under the Consumer Credit Jurisdiction; and

  2. (2)

    a relevant new credit-related complaint referred to the Financial Ombudsman Service on or after 1 April 2014 which relates to an act or omission which took place before 1 April 2014;

    provided that:

    1. (a)

      the complaint could have been dealt with under the Consumer Credit Jurisdiction (disregarding whether the complainant would have been eligible under rules made for the purposes of the Consumer Credit Jurisdiction and whether the complaint would have fallen within a description specified in those rules) but for the repeal of section 226A of the Act; and

    2. (b)

      the complainant is eligible and wishes to have the complaint dealt with under the Financial Ombudsman Service.

Activities by payment service providers

DISP 2.3.2AR

7The Ombudsman can consider a complaint under the Compulsory Jurisdiction if it relates to an act or omission by a payment service provider in carrying on:

  1. (1)

    payment services; or

  2. (2)

    credit-related regulated activities;1122

    1122

or any ancillary activities, including advice, carried on by the payment service provider in connection with them.

Activities by electronic money issuers

DISP 2.3.2BR

921The Ombudsman can consider a complaint under the Compulsory Jurisdiction if it relates to an act or omission by an electronic money issuer in carrying on:

  1. (1)

    issuance of electronic money; or

  2. (2)

    credit-related regulated activities;1122

    1122

or any ancillary activities, including advice, carried on by the electronic money issuer in connection with them.

Activities by CBTL firms

DISP 2.3.2BAR

The Ombudsman can consider a complaint under the Compulsory Jurisdiction if it relates to an act or omission by a CBTL firm in carrying on CBTL business or any ancillary activities, including advice, carried on by the CBTL firm in connection with its CBTL business.

14

Consumer redress schemes

DISP 2.3.2CG

8As a result of section 404B(11) of the Act, the Ombudsman can also consider under the Compulsory Jurisdiction a complaint from a complainant who:

  1. (1)

    is not satisfied with a redress determination made by a respondent under a consumer redress scheme; or

  2. (2)

    considers that a respondent has failed to make a redress determination in accordance with a consumer redress scheme.

Activities by designated credit reference agencies

DISP 2.3.2DR

15The Ombudsman can consider a complaint under the Compulsory Jurisdiction if it relates to an act or omission by a designated credit reference agency in carrying on:

  1. (1)

    the activity of providing credit information under the Small and Medium Sized Business (Credit Information) Regulations; or

  2. (2)

    any ancillary activities, including advice, carried on by the designated credit reference agency in connection with the activity in (1).

Activities by designated finance platforms

DISP 2.3.2ER

16The Ombudsman can consider a complaint under the Compulsory Jurisdiction if it relates to an act or omission by a designated finance platform in carrying on:

  1. (1)

    the activity of providing specified information under the Small and Medium Sized Business (Finance Platforms) Regulations; or

  2. (2)

    any ancillary activities, including advice, carried on by the designated finance platform in connection with the activity in (1).

General

DISP 2.3.3G
DISP 2.3.4R

A complaint about an authorised professional firm cannot be handled under the Compulsory Jurisdiction of the Financial Ombudsman Service if it relates solely to a non-mainstream regulated activity and can be handled by a designated professional body.620

DISP 2.3.5G

7The Compulsory Jurisdiction includes complaints about the UK end of 'one leg' payment services transactions, i.e. services provided from UK establishments that also involve a payment service provider located outside the EEA. The Compulsory Jurisdiction also includes complaints about payment services irrespective of the currency of the transaction.