W.T. Fraser & Son

Reference number: 1040321

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

GOLDEN LEAVES LIMITED Reference number: 960923 Authorised View firm →
What does this mean?
  • 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.
  • W.T. Fraser & Son (FRN 1040321) is an AR of GOLDEN LEAVES LIMITED (FRN 960923). When you use W.T. Fraser & Son's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from W.T. Fraser & Son, 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.

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 williamtfraserandson.co.uk first appeared online, and whether it can receive email
  • What kind of line 01463 243232 is
  • Who else gives the postcode IV2 6AB
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Other names (1)

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

  • William T Fraser & Son Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Golden Leaves 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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
SC104932
Company status
Active
Company type
Private unlimited company
Incorporated
1 June 1987 (39 years old)
Registered office
William T. Fraser & Son, Funeral Directors, Culduthel Road, Inverness, IV2 6AB
Nature of business
  • Funeral and related activities (SIC 96030)

Directors and company secretaries

Name Role Born Appointed Other companies
Martin William Fraser Director Sep 1965 26 Sep 1991 None
William Thomas Fraser Director Apr 1936 Not published None
William Thomas Fraser Secretary Not published Not published None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 3 people who have been directors, with their dates
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Key dates in its history

W.T. Fraser & Son’s history from the FCA register and Companies House, newest first.

Key events (5) All events (8)

2025

5 September 2025

  • Became an appointed representative

FCA register

2024

11 March 2024

  • Valerie Fraser stopped being a part-owner

Companies House

2016

1 September 2016

  • Martin William Fraser took control (75–100% of shares)

Companies House

6 April 2016

  • Valerie Fraser became a part-owner (25–50% of shares)

Companies House

1987

1 June 1987

  • Incorporated at Companies House

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms like W.T. Fraser & Son

Other firms of the same type (funeral director), nearest first.

In Inverness

D Chisholm & Sons LtdInvernessAppointed representativeVictoria Elizabeth FraserInvernessAppointed representative

In the Inverness (IV) postcode area

F Macleod Funeral Directors LimitedIsle of SkyeAppointed representativeGraham J. Rattray Funeral Directors LtdLossiemouthAppointed representativeLossiemouth Funeral Services LtdElginAppointed representativeMairi Urquhart & Son Funeral Group LtdAlnessAppointed 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 W.T. Fraser & Son

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • All 8 events in its history

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Frequently asked questions about this firm

Is W.T. Fraser & Son FCA authorised?
W.T. Fraser & Son (FRN 1040321) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for W.T. Fraser & Son?
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. W.T. Fraser & Son (FRN 1040321) is an AR of GOLDEN LEAVES LIMITED (FRN 960923). When you use W.T. Fraser & Son's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from W.T. Fraser & Son, 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.
What is W.T. Fraser & Son’s phone number and website?
The FCA register lists the phone number 01463 243232 and the website williamtfraserandson.co.uk for W.T. Fraser & Son. If you were given different contact details, use these to check with the firm before going any further.
Is W.T. Fraser & Son a scam or clone?
W.T. Fraser & Son 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 W.T. Fraser & Son?
Protection works through Golden Leaves Limited, the principal firm responsible for W.T. Fraser & Son's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns W.T. Fraser & Son?
Companies House lists one person with significant control of W.T. Fraser & Son: Mr. Martin William Fraser (75–100% of shares). Before that, it was controlled by Mrs Valerie Fraser.
Who runs W.T. Fraser & Son?
Companies House lists 2 directors of W.T. Fraser & Son: Martin William Fraser and William Thomas Fraser.
How long has W.T. Fraser & Son been in business?
The company was formed on 1 June 1987.
Does W.T. Fraser & Son use any other names?
It trades as William T Fraser & Son.

Sources and links

The full report on W.T. Fraser & Son

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