Haran Singh Bains

Reference number: 1043583

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Appointed representative

Haran Singh Bains 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

2 Plan Wealth Management Limited Reference number: 461598 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.
  • Haran Singh Bains (FRN 1043583) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use Haran Singh Bains's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Haran Singh Bains, 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

    01604 521593

  • Verified address

    400 Pavilion Drive, Northampton Business Park, Northampton, Northamptonshire, NN4 7PA, United Kingdom

Also trades as
  • Bains Financial Consulting

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 2 Plan Wealth Management 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 Haran Singh Bains FCA authorised?
Haran Singh Bains (FRN 1043583) 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 Haran Singh Bains?
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. Haran Singh Bains (FRN 1043583) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use Haran Singh Bains's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Haran Singh Bains, 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 Haran Singh Bains?
Protection works through 2 Plan Wealth Management Limited, the principal firm responsible for Haran Singh Bains's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Haran Singh Bains a scam or clone?
Haran Singh Bains 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 Haran Singh Bains's Firm Reference Number (FRN)?
Haran Singh Bains's FRN is 1043583. You can verify it on the FCA register.