Регулятор Великобритании запретил работу финансовому советнику и оштрафовал его на 742 700 фунтов за мошенничество с пенсиями

Финансовый регулятор Великобритании (FCA) запретил советнику Даниэлю Томасу деятельность в сфере финансов и наложил на него штраф в размере 742 700 фунтов стерлингов за предоставление непрофессиональных рекомендаций по переводу пенсий. Томас, который действовал без необходимых квалификаций, обманул 53 клиентов, уничтожил их записи и не сотрудничал с расследованием, однако его решение пока приостановлено до вынесения вердикта вышестоящим судом.

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The FCA has decided to ban financial adviser Daniel Thomas from working in financial services and fine him £742,700 after finding he recklessly provided defined benefit pension transfer advice without the required qualifications or permissions. Thomas, a former director and financial adviser at DPT Financial Solutions, advised 53 clients on 63 transfers out of defined benefit pension schemes over five years. The FCA said he earned more than £173,000 in fees from the advice. The regulator found that Thomas repeatedly misled clients and pension providers about his professional qualifications, destroyed client records and failed to cooperate with its investigation. He also allegedly provided misleading information to DPT Financial Solutions’ principal firm about his involvement in the pension transfer cases. However, Thomas has referred the FCA’s Decision Notice to the Upper Tribunal. The FCA said its findings are therefore provisional and reflect its current view of what happened. It will take no action against Thomas until the Tribunal reaches a decision. FCA looks to ban father and son over client money fraud The regulator said defined benefit pension schemes provide valuable guaranteed retirement benefits and, in most cases, it expects consumers to remain in such schemes. Advice on transfers must be provided or checked by a qualified Pension Transfer Specialist. Therese Chambers, executive director of enforcement and market oversight at the FCA, said: “When you advise someone on their pension, you hold their future in your hands. Mr Thomas recklessly betrayed that responsibility.” “We will not stop acting against those ignoring our rules and unfairly putting people and their hard-earned money at risk,” she added. The FCA said some of Thomas’ clients were members of the British Steel Pension Scheme and were in a particularly vulnerable position when receiving his advice. DPT Financial Solutions was an appointed representative of Quilter Financial Services, which acted as its principal firm. The FCA said it has made no findings against Quilter in connection with the matter. The £742,700 penalty includes £173,000 plus interest relating to fees earned, an additional penalty reflecting the seriousness of the misconduct, and a further increase because Thomas failed to cooperate with the FCA’s investigation.