Mr MICHAEL HAROLD JAMES MCCULLOCH

Reference number: 311759

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 michaelmccullochinsurances.co.uk first appeared online, and whether it can receive email
  • What kind of line 028 9048 0159 is
  • Who else gives the postcode BT16 2AA
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Other names (1)

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

  • Michael McCulloch Insurances Trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 (7 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Making arrangements with a view to transactions in investments

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

Mr MICHAEL HAROLD JAMES MCCULLOCH’s history from the FCA register and Companies House, newest first.

Key events (4) All events (8)

2022

16 December 2022

  • Changed its registered name from "Michael McCulloch Insurances"

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
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Firms connected to Mr MICHAEL HAROLD JAMES MCCULLOCH

Other FCA-listed firms that share a director, phone number or address with Mr MICHAEL HAROLD JAMES MCCULLOCH. 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
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Firms like Mr MICHAEL HAROLD JAMES MCCULLOCH

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

In Belfast

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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 Mr MICHAEL HAROLD JAMES MCCULLOCH

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

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Frequently asked questions about this firm

Is Mr MICHAEL HAROLD JAMES MCCULLOCH FCA authorised?
Yes, Mr MICHAEL HAROLD JAMES MCCULLOCH (FRN 311759) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Mr MICHAEL HAROLD JAMES MCCULLOCH’s phone number and website?
The FCA register lists the phone number 028 9048 0159 and the website michaelmccullochinsurances.co.uk for Mr MICHAEL HAROLD JAMES MCCULLOCH. If you were given different contact details, use these to check with the firm before going any further.
Is Mr MICHAEL HAROLD JAMES MCCULLOCH a scam or clone?
Mr MICHAEL HAROLD JAMES MCCULLOCH 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 Mr MICHAEL HAROLD JAMES MCCULLOCH?
It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Mr MICHAEL HAROLD JAMES MCCULLOCH to the Financial Ombudsman Service, free of charge.
Does Mr MICHAEL HAROLD JAMES MCCULLOCH use any other names?
It trades as Michael McCulloch Insurances.

Sources and links

The full report on Mr MICHAEL HAROLD JAMES MCCULLOCH

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