COWLEY & SON LIMITED

Reference number: 981174

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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

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.
  • COWLEY & SON LIMITED (FRN 981174) is an AR of Golden Charter Limited (FRN 965279). When you use COWLEY & SON's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from COWLEY & 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.

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

    01285 653298

  • Verified address

    Triangle House, 62 Victoria Road, Cirencester, GL7 1ES, United Kingdom

Also trades as 4 other names
  • Blackwells of Cricklade
  • Blackwells of Swindon
  • Matthews of Malmesbury
  • Matthews of Tetbury

Company details

From the company's Companies House record.

Company number
03040292
Company status
Active
Company type
Private limited company
Incorporated
31 March 1995 (31 years old)
Registered office
Triangle House, 62 Victoria Road, Cirencester, Gloucester, GL7 1ES
Nature of business
  • Funeral and related activities (SIC 96030)

Current directors and secretaries

Name Role Born Appointed
Nigel Peter Keen Director Jun 1952 31 Mar 1995
Robert Langford Henry Orford Director Nov 1949 31 Mar 1995
Christine Patricia Orford Director May 1951 12 Jan 1996
Elizabeth Anne Keen Director Sep 1951 12 Jan 1996
Susana Pilar Valero Secret Director Sep 1976 9 May 2025
Nigel Peter Keen Secretary Not published 12 Jan 1996

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 COWLEY & SON LIMITED FCA authorised?
COWLEY & SON LIMITED (FRN 981174) 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 COWLEY & 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. COWLEY & SON LIMITED (FRN 981174) is an AR of Golden Charter Limited (FRN 965279). When you use COWLEY & SON's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from COWLEY & 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.
Is my money safe with COWLEY & SON?
Protection works through Golden Charter Limited, the principal firm responsible for COWLEY & SON's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is COWLEY & SON a scam or clone?
COWLEY & SON 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 COWLEY & SON's Firm Reference Number (FRN)?
COWLEY & SON's FRN is 981174. You can verify it on the FCA register.