Scottish Midlands Cooperative

Reference number: 981015

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Introducer appointed representative

Scottish Midlands Cooperative can only introduce you to their principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Cycle Solutions (Cycle to Work) Limited Reference number: 722968 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.
  • Scottish Midlands Cooperative (FRN 981015) introduces customers to Cycle Solutions (Cycle to Work) Limited (FRN 722968). Any regulated advice or arranging is done by the principal, not Scottish Midlands Cooperative.
  • Example: if Scottish Midlands Cooperative refers you to a financial adviser, the advice should come from the principal firm, not from Scottish Midlands Cooperative 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.

  • No website on the FCA register

  • Phone number

    07714 300164

  • Address

    2 Harvest Drive, Newbridge, Midlothian, EH28 8QJ, United Kingdom

In the full report: 2 background checks

  • What kind of line 07714 300164 is
  • Who else gives the postcode EH28 8QJ
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Cycle Solutions (Cycle to Work) 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.

Firms connected to Scottish Midlands Cooperative

Other FCA-listed firms that share a director, phone number or address with Scottish Midlands Cooperative. 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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Get the full report on Scottish Midlands Cooperative

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

  • 2 background checks on its contact details
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Scottish Midlands Cooperative FCA authorised?
Scottish Midlands Cooperative (FRN 981015) 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 Scottish Midlands Cooperative?
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. Scottish Midlands Cooperative (FRN 981015) introduces customers to Cycle Solutions (Cycle to Work) Limited (FRN 722968). Any regulated advice or arranging is done by the principal, not Scottish Midlands Cooperative. Example: if Scottish Midlands Cooperative refers you to a financial adviser, the advice should come from the principal firm, not from Scottish Midlands Cooperative 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 Scottish Midlands Cooperative’s phone number?
The FCA register lists the phone number 07714 300164 for Scottish Midlands Cooperative. If you were given different contact details, use these to check with the firm before going any further.
Is Scottish Midlands Cooperative a scam or clone?
Scottish Midlands Cooperative 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 Scottish Midlands Cooperative?
Protection works through Cycle Solutions (Cycle to Work) Limited, the principal firm responsible for Scottish Midlands Cooperative's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Sources and links

The full report on Scottish Midlands Cooperative

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