Heart of England Co-operative Society Limited

Reference number: 984873

Instant download

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

Ecclesiastical Planning Services Limited Reference number: 958152 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.
  • Heart of England Co-operative Society Limited (FRN 984873) is an AR of Ecclesiastical Planning Services Limited (FRN 958152). When you use Heart of England Co-operative Society's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Heart of England Co-operative Society, 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.

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 Ecclesiastical Planning 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.

Download this page as a PDF report

£5 for a clean, timestamped copy you can keep, file or send on. It also helps keep the site free to use and free of ads.

Instant download

Common questions

Frequently asked questions

Is Heart of England Co-operative Society Limited FCA authorised?
Heart of England Co-operative Society Limited (FRN 984873) 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 Heart of England Co-operative Society?
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. Heart of England Co-operative Society Limited (FRN 984873) is an AR of Ecclesiastical Planning Services Limited (FRN 958152). When you use Heart of England Co-operative Society's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Heart of England Co-operative Society, 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 Heart of England Co-operative Society?
Protection works through Ecclesiastical Planning Services Limited, the principal firm responsible for Heart of England Co-operative Society's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Heart of England Co-operative Society a scam or clone?
Heart of England Co-operative Society 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 Heart of England Co-operative Society's Firm Reference Number (FRN)?
Heart of England Co-operative Society's FRN is 984873. You can verify it on the FCA register.