AJ&C MACAFFER

Reference number: 984828

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Appointed representative

AJ&C MACAFFER does not hold FCA authorisation of their own. It acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

Golden Charter Limited Reference number: 965279 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.
  • AJ&C MACAFFER (FRN 984828) is an AR of Golden Charter Limited (FRN 965279). When you use AJ&C MACAFFER's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from AJ&C MACAFFER, 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.

Identity

Check their details

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

  • Verified phone number

    01496 302428

  • Verified address

    30 Charlotte Street, Port Ellen, Isle Of Islay, Argyll & Bute, PA42 7DF, United Kingdom

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Golden Charter 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: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

Names it no longer trades under

This firm has retired one trading name. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired name
  • Islay Funeral Directors

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Common questions

Frequently asked questions

Is AJ&C MACAFFER FCA authorised?
AJ&C MACAFFER (FRN 984828) 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 AJ&C MACAFFER?
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. AJ&C MACAFFER (FRN 984828) is an AR of Golden Charter Limited (FRN 965279). When you use AJ&C MACAFFER's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from AJ&C MACAFFER, 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.
Is my money safe with AJ&C MACAFFER?
Protection works through Golden Charter Limited, the principal firm responsible for AJ&C MACAFFER's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is AJ&C MACAFFER a scam or clone?
AJ&C MACAFFER is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is AJ&C MACAFFER's Firm Reference Number (FRN)?
AJ&C MACAFFER's FRN is 984828. You can verify it on the FCA register.