M. Dow, E. Dow & Rev. K A Dow

Reference number: 836144

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Appointed representative

the Dow 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.
  • M. Dow, E. Dow & Rev. K A Dow (FRN 836144) is an AR of Golden Charter Limited (FRN 965279). When you use the Dow partnership's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from the Dow 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.

In the full report: 3 background checks

  • When ewing-kelty.com first appeared online, and whether it can receive email
  • What kind of line 01383 831351 is
  • Who else gives the postcode KY4 0AL
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Other names (1)

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

  • Ewing Funeral Service 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 Dow partnership’s history from the FCA register and Companies House, newest first.

2022

2 November 2022

  • Changed its registered name from "Ewing Funeral Service"
  • Began trading as "Ewing Funeral Service"

FCA register

2019

12 March 2019

  • Became an appointed representative

FCA register

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

Firms like the Dow partnership

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

In the Kirkcaldy (KY) postcode area

Colin Sneddon Funeral Directors LtdCowdenbeathAppointed representativeCrosbie Matthew Funeral Directors Ltd.KirkcaldyAppointed representativeIan Johnston Funeral Directors LimitedKirkcaldyAppointed representativeJohn Gilfillan Funeral Directors LimitedLochgellyAppointed representativeJohn Stoddart & Sons LtdAppointed representativeMark Mitchell Independent Funeral Directors LimitedDunfermlineAppointed 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 Dow partnership

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 3 background checks on its contact details
  • All 3 events in its history

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Frequently asked questions about this firm

Is M. Dow, E. Dow & Rev. K A Dow FCA authorised?
M. Dow, E. Dow & Rev. K A Dow (FRN 836144) 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 Dow 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. M. Dow, E. Dow & Rev. K A Dow (FRN 836144) is an AR of Golden Charter Limited (FRN 965279). When you use the Dow partnership's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from the Dow 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 Dow partnership’s phone number and website?
The FCA register lists the phone number 01383 831351 and the website ewing-kelty.com/homepage.html for the Dow partnership. If you were given different contact details, use these to check with the firm before going any further.
Is the Dow partnership a scam or clone?
the Dow 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 Dow partnership?
Protection works through Golden Charter Limited, the principal firm responsible for the Dow partnership's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does the Dow partnership use any other names?
It trades as Ewing Funeral Service.

Sources and links

The full report on M. Dow, E. Dow & Rev. K A Dow

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