Harper Stairmand Limited

Reference number: 673911

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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

GEORGE STUBBS INSURANCE SERVICES LIMITED Reference number: 308729 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.
  • Harper Stairmand Limited (FRN 673911) is an AR of GEORGE STUBBS INSURANCE SERVICES LIMITED (FRN 308729). When you use Harper Stairmand's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Harper Stairmand, 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.

Company details

From the company's Companies House record.

Company number
SC496388
Company status
Active
Company type
Private limited company
Incorporated
30 January 2015 (11 years old)
Registered office
South Inch Business Centre, Shore Road, Perth, Perthshire, PH2 8BW, Scotland
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
Graeme Harper Director Dec 1970 13 Apr 2015
Sean Liam Fleming Director May 1989 18 Dec 2023

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 GEORGE STUBBS INSURANCE 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.

  • Harper Stairmand Ltd

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Common questions

Frequently asked questions

Is Harper Stairmand Limited FCA authorised?
Harper Stairmand Limited (FRN 673911) 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 Harper Stairmand?
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. Harper Stairmand Limited (FRN 673911) is an AR of GEORGE STUBBS INSURANCE SERVICES LIMITED (FRN 308729). When you use Harper Stairmand's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Harper Stairmand, 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 Harper Stairmand?
Protection works through GEORGE STUBBS INSURANCE SERVICES LIMITED, the principal firm responsible for Harper Stairmand's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Harper Stairmand a scam or clone?
Harper Stairmand 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 Harper Stairmand's Firm Reference Number (FRN)?
Harper Stairmand's FRN is 673911. You can verify it on the FCA register.