Aj&c Macaffer

Reference number: 984828

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Appointed representative

AJ&C MACAFFER does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

Golden Charter Limited Reference number: 965279 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • AJ&C MACAFFER (FRN 984828) is an AR of Golden Charter Limited (FRN 965279). When you use AJ&C MACAFFER's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from AJ&C MACAFFER, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • 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.

  • No website on the FCA register

  • Phone number

    01496 302428

  • Address

    30 Charlotte Street, Port Ellen, Isle Of Islay, Argyll & Bute, PA42 7DF, United Kingdom

In the full report: 2 background checks

  • What kind of line 01496 302428 is
  • Who else gives the postcode PA42 7DF
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • Islay Funeral Directors Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Golden Charter 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.

Key dates in its history

Aj&c Macaffer’s history from the FCA register and Companies House, newest first.

Key events (1) All events (4)

2022

6 October 2022

  • Became an appointed representative

FCA register

In the full report: all 4 events

  • All 4 events in its history (1 shown here)
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Firms like Aj&c Macaffer

Other firms of the same type (funeral director), nearest first.

In the Paisley (PA) postcode area

C McKellar & J Reynolds & A J ReynoldsIsle of ButeAppointed representativeD & A Munn LimitedObanAppointed representativeDempster and Taylor LtdGreenockAppointed representativeDonald Macdonald Funeral Directors LimitedObanAppointed representativeGerard McGuiganAppointed representativeHamish Hoey & Son LtdObanAppointed 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 Aj&c Macaffer

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

  • 2 background checks on its contact details
  • All 4 events in its history

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Frequently asked questions about this firm

Is Aj&c Macaffer FCA authorised?
Aj&c Macaffer (FRN 984828) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Aj&c Macaffer?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Aj&c Macaffer (FRN 984828) is an AR of Golden Charter Limited (FRN 965279). When you use Aj&c Macaffer's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Aj&c Macaffer, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. 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 Aj&c Macaffer’s phone number?
The FCA register lists the phone number 01496 302428 for Aj&c Macaffer. If you were given different contact details, use these to check with the firm before going any further.
Is Aj&c Macaffer a scam or clone?
Aj&c Macaffer 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 Aj&c Macaffer?
Protection works through Golden Charter Limited, the principal firm responsible for Aj&c Macaffer's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Aj&c Macaffer use any other names?
It has previously used the name Islay Funeral Directors.

Sources and links

The full report on Aj&c Macaffer

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