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Baines & Ernst Limited
Legal entity: Baines & Ernst Limited
FCA register status: No longer authorised — the FCA’s own status for this firm reference, not our finding. See the FCA’s own record on the Financial Services Register.
Companies House 03167325, incorporated March 1996 — this company is liquidation.
This company is liquidation at Companies House. The decisions below still stand as a record of what was decided, but the business behind them may no longer be trading, and any current customers may now be dealt with by a different entity.
21banking decisions
—uphold rate (too few to publish)
20not upheld
Only 21 decisions carry a recorded outcome for this firm. That is too few to publish a rate, so none is shown — a percentage over a handful of cases would be noise presented as a finding.
Beyond banking
The figures above cover this firm’s banking, credit and mortgage decisions only. The Ombudsman also decided complaints about it in other sectors, which behave differently and are kept separate rather than averaged in.
| Sector | Decisions | Uphold rate |
|---|---|---|
| Banking, credit and mortgages — shown above | 21 | — |
| Payment protection insurance | 1 | — |
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Product mis-sold | 13 | 1 | 7.7% |
Decisions are attributed to a firm only where the decision text names it unambiguously. Where a name could refer to more than one firm, the decision is left unattributed rather than guessed, so these counts are a floor, not a total. Method.