England and Wales commercial and regulatory procedures
How does the Financial Ombudsman six-year event limit work?
Six years after the event or, if later, three years from actual or constructive awareness. Establish timely referral or preserved earlier complaint. The event and awareness branches must be compared. A written acknowledgement or other record of a complaint within the applicable period can matter. Pension and mortgage-endowment rules differ.
- Period
- Six years after the event or, if later, three years from actual or constructive awareness
- Trigger
- Both the event and actual or constructive awareness dates
- Rule
- FCA Handbook disp2, DISP 2.8.2R(2) and 2.8.4G to 2.8.7R
FCA Handbook disp2, DISP 2.8.2R(2) and 2.8.4G to 2.8.7R. The retained source governs establish timely referral or preserved earlier complaint. The event and awareness branches must be compared. A written acknowledgement or other record of a complaint within the applicable period can matter. Pension and mortgage-endowment rules differ.
Source guide · No automated date
Check the applicable procedure
The event and awareness branches must be compared. A written acknowledgement or other record of a complaint within the applicable period can matter. Pension and mortgage-endowment rules differ. Use years, not 365-day multiples. Establish both dates before choosing the later branch. The actual both the event and actual or constructive awareness dates and required completion must be established before using a final date.
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How does the Financial Ombudsman six-year event limit work?
Six years after the event or, if later, three years from actual or constructive awareness. Establish timely referral or preserved earlier complaint. The event and awareness branches must be compared. A written acknowledgement or other record of a complaint within the applicable period can matter. Pension and mortgage-endowment rules differ.
Responsible actor. Eligible complainant.
Both the event and actual or constructive awareness dates.
The event and awareness branches must be compared. A written acknowledgement or other record of a complaint within the applicable period can matter. Pension and mortgage-endowment rules differ.
The event and awareness branches must be compared. A written acknowledgement or other record of a complaint within the applicable period can matter. Pension and mortgage-endowment rules differ.
FCA Handbook disp2, DISP 2.8.2R(2) and 2.8.4G to 2.8.7RHow does this provision count time?
- Establish timely referral or preserved earlier complaint.
- Use years, not 365-day multiples. Establish both dates before choosing the later branch.
- The event and awareness branches must be compared. A written acknowledgement or other record of a complaint within the applicable period can matter. Pension and mortgage-endowment rules differ.
Use years, not 365-day multiples. Establish both dates before choosing the later branch.
Use years, not 365-day multiples. Establish both dates before choosing the later branch. The event and awareness branches must be compared. A written acknowledgement or other record of a complaint within the applicable period can matter. Pension and mortgage-endowment rules differ.
FCA Handbook disp2, DISP 2.8.2R(2) and 2.8.4G to 2.8.7RWhich facts prevent one automatic date?
The event and awareness branches must be compared. A written acknowledgement or other record of a complaint within the applicable period can matter. Pension and mortgage-endowment rules differ. Use years, not 365-day multiples. Establish both dates before choosing the later branch. The actual both the event and actual or constructive awareness dates and required completion must be established before using a final date.
The eligible complainant has established the applicable procedure and both the event and actual or constructive awareness dates. The event and awareness branches must be compared. A written acknowledgement or other record of a complaint within the applicable period can matter. Pension and mortgage-endowment rules differ. Establish timely referral or preserved earlier complaint. Six years after the event or, if later, three years from actual or constructive awareness. No computed final date is supplied.
A proposed completion raises a nonbusiness-day or time-boundary question for establish timely referral or preserved earlier complaint. Use years, not 365-day multiples. Establish both dates before choosing the later branch. Resolve this boundary under the identified provision and actual completion route. Use years, not 365-day multiples. Establish both dates before choosing the later branch.
The event is old but the complainant only reasonably discovered the cause for complaint later. The event and awareness branches must be compared. A written acknowledgement or other record of a complaint within the applicable period can matter. Pension and mortgage-endowment rules differ. The event and awareness branches must be compared. A written acknowledgement or other record of a complaint within the applicable period can matter. Pension and mortgage-endowment rules differ. No automatic final date follows from this scenario.
Which conditions and exceptions apply?
- Applicable procedure and actual event
- The event and awareness branches must be compared. A written acknowledgement or other record of a complaint within the applicable period can matter. Pension and mortgage-endowment rules differ.
- Counting and completion boundary
- Use years, not 365-day multiples. Establish both dates before choosing the later branch.
- The event and awareness branches must be compared. A written acknowledgement or other record of a complaint within the applicable period can matter. Pension and mortgage-endowment rules differ.
- Eligible complainant. Both the event and actual or constructive awareness dates. Establish timely referral or preserved earlier complaint. Use years, not 365-day multiples. Establish both dates before choosing the later branch.
What must the responsible actor complete?
Questions about this procedure
How does the Financial Ombudsman six-year event limit work?
Does expiry of six years always bar consideration?
No. The later awareness limb, preserved earlier complaint, consent and exceptions require review.
FCA Handbook disp2, DISP 2.8.2R(2) and 2.8.4G to 2.8.7RDoes a complaint to the firm before expiry matter?
DISP 2.8.2R(2) recognizes a timely complaint to the respondent or Ombudsman supported by a written acknowledgement or other record.
FCA Handbook disp2, DISP 2.8.2R(2) and 2.8.4G to 2.8.7RDoes a final-response referral limit apply separately?
Yes. Review the six-month limb and its required communication.
FCA Handbook disp2, DISP 2.8.2R(2) and 2.8.4G to 2.8.7RAre pension-review complaints necessarily identical?
DISP 2.8.5R provides specific exceptions.
FCA Handbook disp2, DISP 2.8.2R(2) and 2.8.4G to 2.8.7RDo mortgage endowment complaints have special notices?
DISP 2.8.7R contains a distinct high-risk warning and explanation mechanism.
FCA Handbook disp2, DISP 2.8.2R(2) and 2.8.4G to 2.8.7RIs a single date enough for a final result?
No. Event, awareness, response and any exception must be established.
FCA Handbook disp2, DISP 2.8.2R(2) and 2.8.4G to 2.8.7ROfficial sources and review
Provisions used (1)
| Provision | Purpose |
|---|---|
| FCA Handbook disp2, DISP 2.8.2R(2) and 2.8.4G to 2.8.7R | Check the identified procedure, event, counting rule or qualification |