KERR AND SMITH (CUMNOCK) LIMITED

Reference number: 997928

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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.

The FCA register does not name a principal for this 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.
  • KERR AND SMITH (CUMNOCK) LIMITED (FRN 997928) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm.
  • Example: if you take financial advice from KERR AND SMITH (CUMNOCK), 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.

Also trades as
  • Kerr and Smith

Company details

From the company's Companies House record.

Company number
SC106800
Company status
Active
Company type
Private limited company
Incorporated
22 September 1987 (38 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Sale of new cars and light motor vehicles (SIC 45111)
  • Sale of used cars and light motor vehicles (SIC 45112)
  • Maintenance and repair of motor vehicles (SIC 45200)
  • Retail trade of motor vehicle parts and accessories (SIC 45320)

Current directors and secretaries

Name Role Born Appointed
Donna Elizabeth Mcclure Director Dec 1964 1 Oct 2007
William Smith Director Apr 1974 1 Oct 2007

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 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 KERR AND SMITH (CUMNOCK) LIMITED FCA authorised?
KERR AND SMITH (CUMNOCK) LIMITED (FRN 997928) 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 KERR AND SMITH (CUMNOCK)?
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. KERR AND SMITH (CUMNOCK) LIMITED (FRN 997928) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm. Example: if you take financial advice from KERR AND SMITH (CUMNOCK), 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 KERR AND SMITH (CUMNOCK)?
Protection works through the principal firm responsible for KERR AND SMITH (CUMNOCK)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is KERR AND SMITH (CUMNOCK) a scam or clone?
KERR AND SMITH (CUMNOCK) 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 KERR AND SMITH (CUMNOCK)'s Firm Reference Number (FRN)?
KERR AND SMITH (CUMNOCK)'s FRN is 997928. You can verify it on the FCA register.