Cumbria Capital Ltd

Reference number: 1012921

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Step Change Outsourcing Limited Reference number: 932344 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Cumbria Capital Ltd (FRN 1012921) introduces customers to Step Change Outsourcing Limited (FRN 932344). Any regulated advice or arranging is done by the principal, not Cumbria Capital.
  • Example: if Cumbria Capital refers you to a financial adviser, the advice should come from the principal firm, not from Cumbria Capital itself.
  • 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.

Also trades as
  • Home

Company details

From the company's Companies House record.

Company number
12177019
Company status
Active
Company type
Private limited company
Incorporated
28 August 2019 (6 years old)
Registered office
101 New Cavendish Street, 1st Floor South, London, W1W 6XH, United Kingdom
Nature of business
  • Management consultancy activities other than financial management (SIC 70229)

Current directors and secretaries

Name Role Born Appointed
Matthew Dawson Spence Director Sep 1969 28 Aug 2019
Robin James Charles Paterson Director Aug 1955 1 Oct 2021
Joshua Ponniah Director Jul 1981 1 Oct 2021

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 Step Change Outsourcing 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 Cumbria Capital Ltd FCA authorised?
Cumbria Capital Ltd (FRN 1012921) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Cumbria Capital?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Cumbria Capital Ltd (FRN 1012921) introduces customers to Step Change Outsourcing Limited (FRN 932344). Any regulated advice or arranging is done by the principal, not Cumbria Capital. Example: if Cumbria Capital refers you to a financial adviser, the advice should come from the principal firm, not from Cumbria Capital itself. 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 Cumbria Capital?
Protection works through Step Change Outsourcing Limited, the principal firm responsible for Cumbria Capital's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Cumbria Capital a scam or clone?
Cumbria Capital 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 Cumbria Capital's Firm Reference Number (FRN)?
Cumbria Capital's FRN is 1012921. You can verify it on the FCA register.