Carmel Quinn: FCA regulated?

Introducer appointed representative

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

Appointed for under a year
Protected through the principal
No FCA actions

Responsible principal firm

Social Money Limited Reference number: 675283 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.
Carmel Quinn (FRN 1046238) introduces customers to Social Money Limited (FRN 675283). Any regulated advice or arranging is done by the principal, not Carmel Quinn.
Example: if Carmel Quinn refers you to a financial adviser, the advice should come from the principal firm, not from Carmel Quinn 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.

No website on the FCA register
Phone number

07398 247422
Address

109 Mount Road, Birkenhead, Wirral, CH42 6RE, United Kingdom

In the full report: 2 background checks

What kind of line 07398 247422 is
Who else gives the postcode CH42 6RE

Other names (3)

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

Luxelox by Carmel Trading name: A name it trades under now.
Luxelox by Carmel salon & hair extensions boutique Trading name: A name it trades under now.
Luxelox hair extensions Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Social Money 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

Carmel Quinn’s history from the FCA register and Companies House, newest first.

Key events (1) All events (4)

2025

17 November 2025

Became an introducer appointed representative

FCA register

In the full report: all 4 events

All 4 events in its history (1 shown here)

Firms connected to Carmel Quinn

Other FCA-listed firms that share a director, phone number or address with Carmel Quinn. 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

Firms like Carmel Quinn

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

In Birkenhead

Donnelly Eco Gas Services LimitedBirkenheadAppointed representative M.k.m. Building Supplies (Birkenhead) LimitedBirkenheadAppointed representative Associated Industries LimitedBirkenheadAuthorised Digitel Europe LimitedBirkenheadAuthorised Liverlift Forktrucks LimitedBirkenheadAuthorised

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 Carmel Quinn

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
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Carmel Quinn FCA authorised?

Carmel Quinn (FRN 1046238) 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 Carmel Quinn?

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. Carmel Quinn (FRN 1046238) introduces customers to Social Money Limited (FRN 675283). Any regulated advice or arranging is done by the principal, not Carmel Quinn. Example: if Carmel Quinn refers you to a financial adviser, the advice should come from the principal firm, not from Carmel Quinn 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 Carmel Quinn’s phone number?

The FCA register lists the phone number 07398 247422 for Carmel Quinn. If you were given different contact details, use these to check with the firm before going any further.

Is Carmel Quinn a scam or clone?

Carmel Quinn 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 Carmel Quinn?

Protection works through Social Money Limited, the principal firm responsible for Carmel Quinn's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Does Carmel Quinn use any other names?

It trades as Luxelox by Carmel, Luxelox by Carmel salon & hair extensions boutique and Luxelox hair extensions.