Cumbria Northumberland Tyne & Wear NHS Foundation Trust

Cumbria Northumberland Tyne & Wear NHS Foundation Trust (FRN 939472) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

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. Cumbria Northumberland Tyne & Wear NHS Foundation Trust (FRN 939472) introduces customers to SME HCI Limited (FRN 626422). Any regulated advice or arranging is done by the principal, not Cumbria Northumberland Tyne & Wear NHS Foundation Trust. Example: if Cumbria Northumberland Tyne & Wear NHS Foundation Trust refers you to a financial adviser, the advice should come from the principal firm, not from Cumbria Northumberland Tyne & Wear NHS Foundation Trust 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.

The FCA register lists the phone number 0191 246 6800 and the website cntw.nhs.uk for Cumbria Northumberland Tyne & Wear NHS Foundation Trust. If you were given different contact details, use these to check with the firm before going any further.

Cumbria Northumberland Tyne & Wear NHS Foundation Trust 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.

Protection works through SME HCI Limited, the principal firm responsible for Cumbria Northumberland Tyne & Wear NHS Foundation Trust's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.