Dow Financial Services Ltd

Reference number: 176399

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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

Dow Mortgage Services Limited Reference number: 306390 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.
  • Dow Financial Services Ltd (FRN 176399) is an AR of Dow Mortgage Services Limited (FRN 306390). When you use Dow Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Dow Financial Services, 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

    0131 538 7178

  • Verified address

    76 Ratcliffe Terrace, Edinburgh, Midlothian, EH9 1ST, United Kingdom

Company details

From the company's Companies House record.

Company name
DOW FINANCIAL SERVICES LIMITED
Company number
SC241276
Company status
Active
Company type
Private limited company
Incorporated
17 December 2002 (23 years old)
Registered office
76 Ratcliffe Terrace, Edinburgh, EH9 1ST
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Bryan Craig Dow Director Jan 1954 17 Dec 2002
Lisbeth Christy Secretary Not published 17 Dec 2002

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 Dow Mortgage Services 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.

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Dow Personal Financial Services

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Common questions

Frequently asked questions

Is Dow Financial Services Ltd FCA authorised?
Dow Financial Services Ltd (FRN 176399) 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 Dow Financial Services?
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. Dow Financial Services Ltd (FRN 176399) is an AR of Dow Mortgage Services Limited (FRN 306390). When you use Dow Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Dow Financial Services, 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 Dow Financial Services?
Protection works through Dow Mortgage Services Limited, the principal firm responsible for Dow Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Dow Financial Services a scam or clone?
Dow Financial Services 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 Dow Financial Services's Firm Reference Number (FRN)?
Dow Financial Services's FRN is 176399. You can verify it on the FCA register.