PRIN — Principles for Businesses
The foundation of all FCA regulation. Every other sourcebook breach is also, by extension, a breach of one or more of these eleven Principles. CareQuest cites PRIN alongside every specific rule breach to strengthen the regulatory narrative.
Breach Likelihood Search
Select a product type and a breach category. CareQuest returns an estimated likelihood profile — drawn from aggregate regulatory findings and case patterns — not a list of named individual cases. This protects clients from being overwhelmed with raw legal data while still showing the strength of the regulatory picture.
Estimates are based on aggregate regulatory findings, published industry redress data, and CareQuest's case experience. They indicate the strength of the regulatory landscape for this product/breach combination — not a guarantee of outcome for any individual claim. Every claim is individually assessed following document retrieval via DSAR.
Legal & Regulatory
Source Library
CareQuest's breach analysis draws on more than the FCA Handbook alone. These are the primary legal and regulatory sources our case team references when building a claim — each linked directly to the live, official source.
BAILII — Case Law Database
The British and Irish Legal Information Institute is the UK's primary free repository of court judgments. CareQuest references BAILII to identify legal precedent on mis-selling, unfair contract terms, and consumer protection — particularly Court of Appeal and Supreme Court rulings that shape how lenders' conduct is judged.
PRA Rulebook
The Prudential Regulation Authority's Rulebook governs the safety and soundness of UK banks, building societies, and insurers. Where a firm's prudential conduct (capital adequacy, risk management, governance) contributed to a mis-selling pattern, the PRA Rulebook provides the relevant regulatory framework alongside the FCA Handbook.
FOS Ombudsman Decisions
The Financial Ombudsman Service publishes anonymised summaries of upheld complaints. This is the single best public indicator of how a specific lender, product type, or breach category is actually being decided in practice — distinct from what the rules say in theory.
Useful Addresses &
Regulatory Contacts
A directory of the regulatory bodies and complaint-handling organisations relevant to financial mis-selling claims. CareQuest uses these when escalating a claim — and clients are welcome to contact any of these directly at any stage.
0800 023 4567 · financial-ombudsman.org.uk
0800 111 6768 · fca.org.uk
0303 123 1113 · ico.org.uk
0800 678 1100 · fscs.org.uk
020 3461 4444 · bankofengland.co.uk/pra
0330 022 9237 · cifas.org.uk
0300 123 1372
nationalparalegals.co.uk
The HSBC Intelligence File
HSBC and its subsidiaries carry one of the most extensive documented regulatory histories of any UK institution — spanning elderly customer mis-selling, PPI, interest rate swaps, forex rigging, debt collection failures, and vulnerable customer treatment. CareQuest maintains a dedicated, continuously updated intelligence file.
Access the Full FCA Handbook
CareQuest's database references the live, current FCA Handbook. For full rule text, visit the official source.