Moray Chamber of Commerce: FCA regulated?

Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Appointed for 16 years
Protected through the principal
No FCA actions
Active company since 2001
Accounts filed up to 31 December 2025

Responsible principal firm

WESTFIELD CONTRIBUTORY HEALTH SCHEME LIMITED Reference number: 202609 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.
Moray Chamber of Commerce (FRN 514436) introduces customers to WESTFIELD CONTRIBUTORY HEALTH SCHEME LIMITED (FRN 202609). Any regulated advice or arranging is done by the principal, not Moray Chamber of Commerce.
Example: if Moray Chamber of Commerce refers you to a financial adviser, the advice should come from the principal firm, not from Moray Chamber of Commerce 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.

Website

moraychamber.co.uk (opens in a new tab)
Phone number

01343 543344
Address

Level 1, Thunderton Place, Elgin, IV30 1BG, Scotland

In the full report: 3 background checks

When moraychamber.co.uk first appeared online, and whether it can receive email
What kind of line 01343 543344 is
Who else gives the postcode IV30 1BG

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Westfield Contributory Health Scheme 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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: SC221028 (opens Companies House in a new tab)
Company status: Active
Company type: Private company limited by guarantee
Incorporated: 9 July 2001 (25 years old)
Registered office: Suite 1, 141 High Street High Street, Elgin, IV30 1DS, Scotland
Nature of business: Activities of business and employers membership organisations (SIC 94110)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Graham Alexander	Director	Sep 1973	23 May 2020	2 other companies
Kirsty Rachel Dagnan	Director	Dec 1982	26 May 2020	1 other company
William Victor West	Director	Jan 1973	26 May 2020	None
Sarah Louise Medcraf	Director	Oct 1990	26 May 2020	2 other companies
Shelley Kim O'Neill	Director	Jan 1980	26 May 2020	None
David Robertson	Director	Sep 1974	26 May 2020	1 other company
Emma Scott	Director	Nov 1989	26 May 2020	None
Sean Alan Donnelly	Director	Nov 1984	31 Jan 2023	None
Raymond James More	Director	Sep 1964	31 Jan 2023	7 other companies
Mahindhan Nadanasabapathy	Director	May 1977	31 Jan 2023	1 other company
Rachel Jane Walters	Director	Apr 1973	19 Mar 2024	None
Jennifer Mcewan	Director	May 1990	19 Mar 2024	None
Frances Elizabeth Grant	Director	Aug 1988	26 Aug 2025	None
Henrietta Edith Matheson Talbot	Director	Oct 1984	26 Aug 2025	3 other companies

Other companies run by these 14 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies: 17
closed down: 3
are FCA-registered: 3

In the full report: all 17 companies, named

What each company does, and whether it is still trading
Which of these 14 directors sit on each board, and since when
Any that went into liquidation or administration
The 3 on the FCA register
All 33 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£140k

+23% from £113k

Cash at bank

£120k

−7.6% from £130k

Employees (average)

3

Same as 3

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2020 to 2025
The chart, over every year
Every filed figure, year by year

About these figures

Turnover: Money taken from sales in the year, before any costs.
Profit before tax: What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity: Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities: Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank: Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year: Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company SC221028. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Moray Chamber of Commerce’s history from the FCA register and Companies House, newest first.

Key events (3) All events (55)

2015

30 July 2015

Changed its registered name from "Moray Chamber of Commerce"

FCA register

2009

11 December 2009

Became an introducer appointed representative

FCA register

2001

9 July 2001

Incorporated at Companies House

Companies House

In the full report: all 55 events

All 55 events in its history (3 shown here)
Every director appointment and resignation: 52

Firms connected to Moray Chamber of Commerce

Other FCA-listed firms that share a director, phone number or address with Moray Chamber of Commerce. A link shows who the firm is tied to, not whether either can be trusted.

connected firm: 1
share a director: 1
past links: 2

In the full report: the connected firm, named

How it is linked: shared directors (1)
Who links it to this firm: the named directors, with dates
2 past links through former directors

Firms like Moray Chamber of Commerce

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

In Elgin

R C E Snody-Scott & L M A LittleElginAppointed representative

In the Inverness (IV) postcode area

Dan WalderInvernessAppointed representative J F Fotherby & J A HoggAppointed representative J J Sayles & N D MacleodPortreeAppointed representative Mark HopwoodKyleAppointed representative Acupet Vet LtdBeaulyAppointed 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 Moray Chamber of Commerce

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

17 other companies its directors have run, named
3 background checks on its contact details
6 years of accounts, charted
All 55 events in its history
1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Moray Chamber of Commerce FCA authorised?

Moray Chamber of Commerce (FRN 514436) 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 Moray Chamber of Commerce?

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. Moray Chamber of Commerce (FRN 514436) introduces customers to WESTFIELD CONTRIBUTORY HEALTH SCHEME LIMITED (FRN 202609). Any regulated advice or arranging is done by the principal, not Moray Chamber of Commerce. Example: if Moray Chamber of Commerce refers you to a financial adviser, the advice should come from the principal firm, not from Moray Chamber of Commerce 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 Moray Chamber of Commerce’s phone number and website?

The FCA register lists the phone number 01343 543344 and the website moraychamber.co.uk for Moray Chamber of Commerce. If you were given different contact details, use these to check with the firm before going any further.

Is Moray Chamber of Commerce a scam or clone?

Moray Chamber of Commerce 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 Moray Chamber of Commerce?

Protection works through Westfield Contributory Health Scheme Limited, the principal firm responsible for Moray Chamber of Commerce's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who runs Moray Chamber of Commerce?

Companies House lists 14 directors of Moray Chamber of Commerce: Graham Alexander, Kirsty Rachel Dagnan, William Victor West, Sarah Louise Medcraf, Shelley Kim O'Neill, David Robertson and 8 more.

How long has Moray Chamber of Commerce been in business?

The company was formed on 9 July 2001.

What do Moray Chamber of Commerce’s latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of £140k (+23% from £113k) and cash at bank of £120k (−7.6% from £130k).