Alan Gerald Wray

Reference number: 987731

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Appointed representative

Alan Gerald Wray 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.
  • Alan Gerald Wray (FRN 987731) is an AR of Golden Charter Limited (FRN 965279). When you use Alan Gerald Wray's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Alan Gerald Wray, 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

    07989 303897

  • Verified address

    24 Portmore Street, Portadown, Craigavon, BT62 3NG, United Kingdom

Also trades as
  • Alan Wray & Co Funeral Directors

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.

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Common questions

Frequently asked questions

Is Alan Gerald Wray FCA authorised?
Alan Gerald Wray (FRN 987731) 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 Alan Gerald Wray?
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. Alan Gerald Wray (FRN 987731) is an AR of Golden Charter Limited (FRN 965279). When you use Alan Gerald Wray's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Alan Gerald Wray, 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 Alan Gerald Wray?
Protection works through Golden Charter Limited, the principal firm responsible for Alan Gerald Wray's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Alan Gerald Wray a scam or clone?
Alan Gerald Wray 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 Alan Gerald Wray's Firm Reference Number (FRN)?
Alan Gerald Wray's FRN is 987731. You can verify it on the FCA register.