Carmaz Limited formerly Howper 409 Limited ta New Southgate Seat, Watford Seat
What this means for you
Because Carmaz Limited formerly Howper 409 Limited ta New Southgate Seat, Watford Seat has been declared in default, you can't complain via the Financial Ombudsman Service in the normal way. Instead, eligible customers can apply to the Financial Services Compensation Scheme for compensation.
Background
Carmaz Limited, formerly known as Howper 409 Limited and trading as New Southgate Seat and Watford Seat (FRN: 314043), was declared in default by the FSCS on 10 March 2015. The firm's specific product offerings are not recorded in available data. Former customers may be eligible for FSCS compensation, though the applicable limits depend on the nature of products held; standard limits of £85,000 apply to investments, mortgages, and deposits, while insurance claims are typically covered at 90% of losses with no upper limit.
Products this firm wrote
How to claim
- Check you were a customer of this firm during the period it was regulated.
- Gather your policy / advice / contract paperwork — start with anything you have in writing.
- Identify your loss and the date it crystallised.
- Apply via the FSCS online claim portal at claims.fscs.org.uk.
- The FSCS investigation typically takes 6–18 months. They will assess eligibility, liability and quantum.