Mrs HRO, Mr NJ & Mrs JC Cowen

Reference number: 415961

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Introducer appointed representative

Mrs HRO, Mr NJ & Mrs JC Cowen can only introduce you to their principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Bspoke Lifestyle Ltd Reference number: 820727 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.
  • Mrs HRO, Mr NJ & Mrs JC Cowen (FRN 415961) introduces customers to Bspoke Lifestyle Ltd (FRN 820727). Any regulated advice or arranging is done by the principal, not Mrs HRO, Mr NJ & Mrs JC Cowen.
  • Example: if Mrs HRO, Mr NJ & Mrs JC Cowen refers you to a financial adviser, the advice should come from the principal firm, not from Mrs HRO, Mr NJ & Mrs JC Cowen 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.

In the full report: 3 background checks

  • When widend.com first appeared online, and whether it can receive email
  • What kind of line 01803 550116 is
  • Who else gives the postcode TQ3 1RT
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Other names (3)

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

  • Widend Touring Park Trading name
  • Mr RR, Mrs HRO Mr NJ, Mrs JC Cowen Former name
  • Widend TP Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Bspoke Lifestyle Ltd, 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

Mrs HRO, Mr NJ & Mrs JC Cowen’s history from the FCA register and Companies House, newest first.

Key events (2) All events (5)

2017

19 April 2017

  • Changed its registered name from "Mr RR, Mrs HRO Mr NJ, Mrs JC Cowen"

FCA register

2005

14 January 2005

  • Became an introducer appointed representative

FCA register

In the full report: all 5 events

  • All 5 events in its history (2 shown here)
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Firms like Mrs HRO, Mr NJ & Mrs JC Cowen

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

In Paignton

MLR LtdPaigntonAppointed representativeWhitehill Country Park LimitedPaigntonAppointed representativeChief Vehicle Rentals LimitedPaigntonAuthorised

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 Mrs HRO, Mr NJ & Mrs JC Cowen

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 5 events in its history

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Frequently asked questions about this firm

Is Mrs HRO, Mr NJ & Mrs JC Cowen FCA authorised?
Mrs HRO, Mr NJ & Mrs JC Cowen (FRN 415961) 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 Mrs HRO, Mr NJ & Mrs JC Cowen?
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. Mrs HRO, Mr NJ & Mrs JC Cowen (FRN 415961) introduces customers to Bspoke Lifestyle Ltd (FRN 820727). Any regulated advice or arranging is done by the principal, not Mrs HRO, Mr NJ & Mrs JC Cowen. Example: if Mrs HRO, Mr NJ & Mrs JC Cowen refers you to a financial adviser, the advice should come from the principal firm, not from Mrs HRO, Mr NJ & Mrs JC Cowen 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 Mrs HRO, Mr NJ & Mrs JC Cowen’s phone number and website?
The FCA register lists the phone number 01803 550116 and the website widend.com for Mrs HRO, Mr NJ & Mrs JC Cowen. If you were given different contact details, use these to check with the firm before going any further.
Is Mrs HRO, Mr NJ & Mrs JC Cowen a scam or clone?
Mrs HRO, Mr NJ & Mrs JC Cowen 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 Mrs HRO, Mr NJ & Mrs JC Cowen?
Protection works through Bspoke Lifestyle Ltd, the principal firm responsible for Mrs HRO, Mr NJ & Mrs JC Cowen's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Mrs HRO, Mr NJ & Mrs JC Cowen use any other names?
It trades as Widend Touring Park. It has previously used 2 other names: Mr RR, Mrs HRO Mr NJ, Mrs JC Cowen and Widend TP.

Sources and links

The full report on Mrs HRO, Mr NJ & Mrs JC Cowen

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