Individual Savings Accounts Ltd

Reference number: 188474

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

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

Expatriate Advisory Services Limited Reference number: 125686 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.
  • Individual Savings Accounts Ltd (FRN 188474) is an AR of Expatriate Advisory Services Limited (FRN 125686). When you use Individual Savings Accounts's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Individual Savings Accounts, 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 name
INDIVIDUAL SAVINGS ACCOUNTS LIMITED
Company number
03375108
Company status
Active
Company type
Private limited company
Incorporated
22 May 1997 (29 years old)
Registered office
16 High Street, Kegworth, Derbyshire, DE74 2DA
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Mark Betts Director Dec 1973 11 Jun 2007
Hardev Singh Director May 1962 4 Feb 2016

Check on the FCA register → Report a scam →

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (1)
  • 07441 921634
Fake email addresses (1)
  • alex.wagner@isa-limited.link
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Expatriate Advisory 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.

The clone warnings above are scammers using this firm's name, not something the firm has done.

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Common questions

Frequently asked questions

Is Individual Savings Accounts Ltd FCA authorised?
Individual Savings Accounts Ltd (FRN 188474) 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 Individual Savings Accounts?
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. Individual Savings Accounts Ltd (FRN 188474) is an AR of Expatriate Advisory Services Limited (FRN 125686). When you use Individual Savings Accounts's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Individual Savings Accounts, 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 Individual Savings Accounts?
Protection works through Expatriate Advisory Services Limited, the principal firm responsible for Individual Savings Accounts's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Individual Savings Accounts a scam or clone?
Individual Savings Accounts 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 Individual Savings Accounts's Firm Reference Number (FRN)?
Individual Savings Accounts's FRN is 188474. You can verify it on the FCA register.