Advance Union

Reference number: 1046882

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Introducer appointed representative

Advance Union can only introduce you to their principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Union Income Benefit Holdings Limited Reference number: 307575 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Advance Union (FRN 1046882) introduces customers to Union Income Benefit Holdings Limited (FRN 307575). Any regulated advice or arranging is done by the principal, not Advance Union.
  • Example: if Advance Union refers you to a financial adviser, the advice should come from the principal firm, not from Advance Union itself.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When advance-ubion.org first appeared online, and whether it can receive email
  • What kind of line 01442 891122 is
  • Who else gives the postcode HP23 5AH
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Union Income Benefit Holdings Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Firms connected to Advance Union

Other FCA-listed firms that share a director, phone number or address with Advance Union. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Advance Union

Other firms of the same type (insurance broker), nearest first.

In Tring

E.i.c. Insurance Services LtdTringAuthorisedFull-Time Cover LimitedTringAuthorised

In the Hemel Hempstead (HP) postcode area

Civil Service Sports Council LimitedHigh WycombeAppointed representativeHealth and Social Security Recreational Association (HASSRA)High WycombeAppointed representativeAPH Financial Management Services LtdAylesburyAppointed representativeApplicant Mortgage Brokers LimitedHigh WycombeAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Advance Union

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 3 background checks on its contact details
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Advance Union FCA authorised?
Advance Union (FRN 1046882) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Advance Union?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Advance Union (FRN 1046882) introduces customers to Union Income Benefit Holdings Limited (FRN 307575). Any regulated advice or arranging is done by the principal, not Advance Union. Example: if Advance Union refers you to a financial adviser, the advice should come from the principal firm, not from Advance Union itself. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Advance Union’s phone number and website?
The FCA register lists the phone number 01442 891122 and the website advance-ubion.org for Advance Union. If you were given different contact details, use these to check with the firm before going any further.
Is Advance Union a scam or clone?
Advance Union is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Advance Union?
Protection works through Union Income Benefit Holdings Limited, the principal firm responsible for Advance Union's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Sources and links

The full report on Advance Union

£19.99 · Instant PDF download

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