David John Bray and Beth Anne Bray

Reference number: 983649

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Appointed representative

the Bray partnership 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.
  • David John Bray and Beth Anne Bray (FRN 983649) is an AR of Golden Charter Limited (FRN 965279). When you use the Bray partnership's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from the Bray partnership, 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

    01208 812626

  • Address

    R J Bray & Son Funeral Directors, Egloshayle Road, Wadebridge, Cornwall, PL27 6AD, United Kingdom

In the full report: 2 background checks

  • What kind of line 01208 812626 is
  • Who else gives the postcode PL27 6AD
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Other names (1)

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

  • R J BRAY & SON FUNERAL DIRECTORS 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

The Bray partnership’s history from the FCA register and Companies House, newest first.

2022

19 September 2022

  • Became an appointed representative
  • Began trading as "R J BRAY & SON FUNERAL DIRECTORS"

FCA register

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

Firms like the Bray partnership

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

In the Plymouth (PL) postcode area

Clifford's Family Funeral Directors LimitedPlymouthAppointed representativeMorris Bros. (Tavistock)limitedTavistockAppointed representativeMr Robert Strongman Bunt, Mrs Janice Hillary Bunt and Mr Oliver Strongman BuntSt. AustellAppointed representativeParson Funerals LimitedIvybridgeAppointed representativePaul Bourton, Sally Bourton & Stacey LambertSt. AustellAppointed representativePaula Ruth MackinnonBodminAppointed 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 the Bray partnership

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 David John Bray and Beth Anne Bray FCA authorised?
David John Bray and Beth Anne Bray (FRN 983649) 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 the Bray partnership?
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. David John Bray and Beth Anne Bray (FRN 983649) is an AR of Golden Charter Limited (FRN 965279). When you use the Bray partnership's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from the Bray partnership, 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 the Bray partnership’s phone number?
The FCA register lists the phone number 01208 812626 for the Bray partnership. If you were given different contact details, use these to check with the firm before going any further.
Is the Bray partnership a scam or clone?
the Bray partnership 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 the Bray partnership?
Protection works through Golden Charter Limited, the principal firm responsible for the Bray partnership's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does the Bray partnership use any other names?
It trades as R J BRAY & SON FUNERAL DIRECTORS.

Sources and links

The full report on David John Bray and Beth Anne Bray

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