HCAT

Reference number: 975144

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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.

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.
  • HCAT (FRN 975144) introduces customers to SME HCI Limited (FRN 626422). Any regulated advice or arranging is done by the principal, not HCAT.
  • Example: if HCAT refers you to a financial adviser, the advice should come from the principal firm, not from HCAT 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.

Company details

From the company's Companies House record.

Company number
08654591
Company status
Active
Company type
Private company limited by guarantee
Incorporated
16 August 2013 (12 years old)
Registered office
Hcat, Unit 7 Dodworth Business Park, Dodworth, Barnsley, S75 3SP, England
Nature of business
  • Primary education (SIC 85200)

Current directors and secretaries

Name Role Born Appointed
Stephen Gallagher Director Dec 1955 1 Oct 2016
Andrew Kent Director Jun 1953 1 Oct 2016
Mark Utley Director May 1970 21 Mar 2022
Michael Thomas Knight Director Feb 1988 18 Mar 2024
Michelle Bowen Director Mar 1968 20 Oct 2025
Gemma Astin-France Director Dec 1983 8 Dec 2025
Sandra Lesley Bailey Director Feb 1952 9 Feb 2026
Victoria Wood Secretary Not published 16 Aug 2013

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through SME HCI 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 HCAT FCA authorised?
HCAT (FRN 975144) 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 HCAT?
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. HCAT (FRN 975144) introduces customers to SME HCI Limited (FRN 626422). Any regulated advice or arranging is done by the principal, not HCAT. Example: if HCAT refers you to a financial adviser, the advice should come from the principal firm, not from HCAT 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 HCAT?
Protection works through SME HCI Limited, the principal firm responsible for HCAT's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is HCAT a scam or clone?
HCAT 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 HCAT's Firm Reference Number (FRN)?
HCAT's FRN is 975144. You can verify it on the FCA register.