Mrs Joyce R Schofield and Miss Carole A Westwood

Mrs Joyce R Schofield and Miss Carole A Westwood (FRN 980562) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

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. Mrs Joyce R Schofield and Miss Carole A Westwood (FRN 980562) is an AR of Golden Charter Limited (FRN 965279). When you use Mrs Joyce R Schofield and Miss Carole A Westwood's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Mrs Joyce R Schofield and Miss Carole A Westwood, 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.

The FCA register lists the phone number 01472 200004 for Mrs Joyce R Schofield and Miss Carole A Westwood. If you were given different contact details, use these to check with the firm before going any further.

Mrs Joyce R Schofield and Miss Carole A Westwood 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.

Protection works through Golden Charter Limited, the principal firm responsible for Mrs Joyce R Schofield and Miss Carole A Westwood's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

It trades as Mashfords Funeral Directors and Mashfords Funeral Service. It has previously used the name Mrs Joyce R Schofield and Mrs Carole A Westwood.