Ark Associates

Reference number: 177627

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Advance Mortgage Funding Limited Reference number: 305008 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.
  • Ark Associates (FRN 177627) is an AR of Advance Mortgage Funding Limited (FRN 305008). When you use Ark Associates's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Ark Associates, 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

    01506 652085

  • Address

    5 Hunter Grove, Bathgate, West Lothian, EH48 1NN, United Kingdom

In the full report: 2 background checks

  • What kind of line 01506 652085 is
  • Who else gives the postcode EH48 1NN
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Other names (1)

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

  • Tom McLachlan Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Advance Mortgage Funding 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

Ark Associates’s history from the FCA register and Companies House, newest first.

2004

25 November 2004

  • Began trading as "Tom McLachlan"

FCA register

1996

4 January 1996

  • Became an appointed representative

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms like Ark Associates

Other firms of the same type (mortgage adviser or broker), nearest first.

In Bathgate

Duggan Mortgage Solutions LtdBathgateAppointed representativeAIM Renewables LtdBathgateAppointed representativeThermal Care Scotland LtdBathgateAppointed representativeCaesar & HowieBathgateAuthorisedGreenshoots Financial LtdBathgateAuthorisedMAS (Scotland) LtdBathgateAuthorised

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 Ark Associates

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 2 events in its history

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Frequently asked questions about this firm

Is Ark Associates FCA authorised?
Ark Associates (FRN 177627) 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 Ark Associates?
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. Ark Associates (FRN 177627) is an AR of Advance Mortgage Funding Limited (FRN 305008). When you use Ark Associates's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Ark Associates, 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 Ark Associates’ phone number?
The FCA register lists the phone number 01506 652085 for Ark Associates. If you were given different contact details, use these to check with the firm before going any further.
Is Ark Associates a scam or clone?
Ark Associates 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 Ark Associates?
Protection works through Advance Mortgage Funding Limited, the principal firm responsible for Ark Associates's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Ark Associates use any other names?
It trades as Tom McLachlan.

Sources and links

The full report on Ark Associates

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