Cove Financial Solutions Ltd

Reference number: 971925

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Appointed representative

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

Responsible principal firm

COMMERCIAL AND ASSET FINANCE LTD. Reference number: 729014 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.
  • Cove Financial Solutions Ltd (FRN 971925) is an AR of COMMERCIAL AND ASSET FINANCE LTD. (FRN 729014). When you use Cove Financial Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Cove Financial Solutions, 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

    07508 826831

  • Verified address

    34 Darroch Drive, Gourock, Inverclyde, PA19 1SF, United Kingdom

Company details

From the company's Companies House record.

Company number
SC719396
Company status
Active
Company type
Private limited company
Incorporated
11 January 2022 (4 years old)
Registered office
34 Darroch Drive, Gourock, PA19 1SF, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Current directors and secretaries

Name Role Born Appointed
Joanne Josephine Gallagher Director Sep 1985 11 Jan 2022
Martin Gallagher Director May 1984 11 Jan 2022

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 COMMERCIAL AND ASSET FINANCE LTD., 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 Cove Financial Solutions Ltd FCA authorised?
Cove Financial Solutions Ltd (FRN 971925) 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 Cove Financial Solutions?
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. Cove Financial Solutions Ltd (FRN 971925) is an AR of COMMERCIAL AND ASSET FINANCE LTD. (FRN 729014). When you use Cove Financial Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cove Financial Solutions, 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 Cove Financial Solutions?
Protection works through COMMERCIAL AND ASSET FINANCE LTD., the principal firm responsible for Cove Financial Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Cove Financial Solutions a scam or clone?
Cove Financial Solutions 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 Cove Financial Solutions's Firm Reference Number (FRN)?
Cove Financial Solutions's FRN is 971925. You can verify it on the FCA register.