FSCS in-default register

A M Lubin & A Penn t/a APAL Financial Services

Declared in default1 December 1993FRN 145390

What this means for you

Because A M Lubin & A Penn t/a APAL 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

A M Lubin & A Penn, trading as APAL Financial Services (FRN 145390), was declared in default by the Financial Services Compensation Scheme on 1 December 1993. The firm's product offerings cannot be determined from available records. Eligible customers of the failed firm may be entitled to FSCS compensation, subject to the applicable limits for their product category.

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.