Stephen John Varcoe

Stephen John Varcoe (FRN 1056566) 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. Stephen John Varcoe (FRN 1056566) is an AR of Agricultural & Groundscare Credit Limited (FRN 677980). When you use Stephen John Varcoe's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Stephen John Varcoe, 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 07966 765460 and the website cotswoldfunding.co.uk for Stephen John Varcoe. If you were given different contact details, use these to check with the firm before going any further.

Stephen John Varcoe 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 Agricultural & Groundscare Credit Limited, the principal firm responsible for Stephen John Varcoe's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.