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R. Raphael & Sons Limited
Legal entity: R. Raphael & Sons 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 01288938, incorporated December 1976 — this company is dissolved.
This company is dissolved 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.
67banking decisions
40.3%uphold rate
40not upheld
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 | 67 | 40.3% |
| Payment protection insurance | 3 | — |
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Product mis-sold | 15 | 1 | 6.7% |
| Charges and fees | 14 | 4 | 28.6% |
| Credit file reporting | 10 | 4 | 40.0% |
The official record
What the firm itself reports to the regulator, scoped to banking and credit complaints only. This is a different measure from the decisions above — it covers all complaints a firm received, not only those that reached an ombudsman. Firms report on periods set by the regulator, which are not always the calendar half-year the file was published under (shown below where they differ). No period-over-period change is calculated here — these are the reported figures only. See the scorecard for all three measures side by side.
| Source | Period | Upheld | Opened | Closed | New cases |
|---|---|---|---|---|---|
| FCA | 2019-H2 01 March 2019 to 31 August 2019 | 73.6% | 2,133 | 2,150 | — |
| FCA | 2019-H1 01 September 2018 to 28 February 2019 | 74.3% | 3,500 | 3,717 | — |
What the regulator did
FCA final notices naming this firm. This is a separate record from the Ombudsman decisions above: the Ombudsman resolves individual complaints, the FCA penalises the firm for rule breaches.
| Date | Penalty | Breach |
|---|---|---|
| 30 May 2019 | £775,100 | This final notice refers to breaches of PRIN 2, PRIN 3, SYSC 8 relating to culture/governance in the retail bank sector. We imposed a fine. |
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.