Patricia Ruffle and Nicholas Ruffle

Reference number: 1010757

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Introducer appointed representative

the Ruffle partnership can only introduce you to their principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Credo Capital Finance Limited Reference number: 670362 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.
  • Patricia Ruffle and Nicholas Ruffle (FRN 1010757) introduces customers to Credo Capital Finance Limited (FRN 670362). Any regulated advice or arranging is done by the principal, not the Ruffle partnership.
  • Example: if the Ruffle partnership refers you to a financial adviser, the advice should come from the principal firm, not from the Ruffle partnership 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 agrocotrailers.co.uk first appeared online, and whether it can receive email
  • What kind of line 01473 657571 is
  • Who else gives the postcode IP6 8EL
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Other names (1)

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

  • Agroco Trailers Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Credo Capital Finance 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 Ruffle partnership’s history from the FCA register and Companies House, newest first.

2024

25 April 2024

  • Became an introducer appointed representative
  • Began trading as "Agroco Trailers"

FCA register

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

Firms like the Ruffle partnership

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

In Ipswich

Evolve Specialist Lending Solutions LimitedIpswichAppointed representativeFelgains LimitedIpswichAppointed representativeGrant CravenIpswichAppointed representativeMarshall Gas LtdIpswichAppointed representativeM.k.m. Building Supplies (Ipswich) LimitedIpswichAppointed representativeMark Howell LimitedIpswichAppointed 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 Ruffle 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 2 events in its history

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Frequently asked questions about this firm

Is Patricia Ruffle and Nicholas Ruffle FCA authorised?
Patricia Ruffle and Nicholas Ruffle (FRN 1010757) 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 the Ruffle partnership?
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. Patricia Ruffle and Nicholas Ruffle (FRN 1010757) introduces customers to Credo Capital Finance Limited (FRN 670362). Any regulated advice or arranging is done by the principal, not the Ruffle partnership. Example: if the Ruffle partnership refers you to a financial adviser, the advice should come from the principal firm, not from the Ruffle partnership 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 the Ruffle partnership’s phone number and website?
The FCA register lists the phone number 01473 657571 and the website agrocotrailers.co.uk for the Ruffle partnership. If you were given different contact details, use these to check with the firm before going any further.
Is the Ruffle partnership a scam or clone?
the Ruffle 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 Ruffle partnership?
Protection works through Credo Capital Finance Limited, the principal firm responsible for the Ruffle partnership's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does the Ruffle partnership use any other names?
It trades as Agroco Trailers.

Sources and links

The full report on Patricia Ruffle and Nicholas Ruffle

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