Carmen Luke: FCA regulated?

Authorised by the FCA

Carmen Luke is on the FCA register and authorised to carry out regulated activities.

Authorised for 3 years
Complaints covered by the Ombudsman
No FCA actions

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

01856 872281
Address

J & M McEwen, 76 Junction Road, Kirkwall, Orkney Islands, KW15 1AR, United Kingdom

In the full report: 2 background checks

What kind of line 01856 872281 is
Who else gives the postcode KW15 1AR

Other names (2)

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

J & M McEwen Trading name: A name it trades under now.
William McEwen & Carmen Luke Former name: A name it was registered under before.

FCA permissions and consumer protection

Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (1 permission)

Credit Broking

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

Carmen Luke’s history from the FCA register and Companies House, newest first.

Key events (3) All events (6)

2025

8 December 2025

Changed its registered name from "William McEwen & Carmen Luke"

FCA register

2023

5 January 2023

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

In the full report: all 6 events

All 6 events in its history (3 shown here)

Firms connected to Carmen Luke

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

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

In Kirkwall

Colin GreggKirkwallAuthorised J & W Tait LimitedKirkwallSee the register Robertsons-Orkney LimitedKirkwallAuthorised AC Agri Sales LTDKirkwallAppointed 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 Carmen Luke

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 6 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Carmen Luke FCA authorised?

Yes, Carmen Luke (FRN 982313) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2023 and works as a credit broker. The FCA has placed no limits on its permissions.

What is Carmen Luke’s phone number?

The FCA register lists the phone number 01856 872281 for Carmen Luke. If you were given different contact details, use these to check with the firm before going any further.

Is Carmen Luke a scam or clone?

Carmen Luke 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 Carmen Luke?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Carmen Luke handles your money, so check the specific product before you commit. You can also refer complaints about Carmen Luke to the Financial Ombudsman Service, free of charge.

Does Carmen Luke use any other names?

It trades as J & M McEwen. It has previously used the name William McEwen & Carmen Luke.