LOSSIEMOUTH FUNERAL SERVICES LTD

Reference number: 981673

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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

Golden Charter Limited Reference number: 965279 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.
  • LOSSIEMOUTH FUNERAL SERVICES LTD (FRN 981673) is an AR of Golden Charter Limited (FRN 965279). When you use LOSSIEMOUTH FUNERAL SERVICES's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from LOSSIEMOUTH FUNERAL SERVICES, 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.

  • No website on the FCA register

  • Verified phone number

    01343 814680

  • Verified address

    Strathlossie House, Kirkhill Avenue, Elgin, IV30 8QN, United Kingdom

Also trades as
  • Steven Thomson & Son Funeral Director

Company details

From the company's Companies House record.

Company number
SC425339
Company status
Active
Company type
Private limited company
Incorporated
31 May 2012 (14 years old)
Registered office
C/O Johnston Carmichael Bishop's Court, 29 Albyn Place, Aberdeen, AB10 1YL, Scotland
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Current directors and secretaries

Name Role Born Appointed
Steven Thomson Director Jan 1966 31 May 2012
Susan Thomson Director Jun 1967 24 Feb 2026

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 Golden Charter 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 LOSSIEMOUTH FUNERAL SERVICES LTD FCA authorised?
LOSSIEMOUTH FUNERAL SERVICES LTD (FRN 981673) 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 LOSSIEMOUTH FUNERAL SERVICES?
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. LOSSIEMOUTH FUNERAL SERVICES LTD (FRN 981673) is an AR of Golden Charter Limited (FRN 965279). When you use LOSSIEMOUTH FUNERAL SERVICES's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from LOSSIEMOUTH FUNERAL SERVICES, 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 LOSSIEMOUTH FUNERAL SERVICES?
Protection works through Golden Charter Limited, the principal firm responsible for LOSSIEMOUTH FUNERAL SERVICES's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is LOSSIEMOUTH FUNERAL SERVICES a scam or clone?
LOSSIEMOUTH FUNERAL SERVICES 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 LOSSIEMOUTH FUNERAL SERVICES's Firm Reference Number (FRN)?
LOSSIEMOUTH FUNERAL SERVICES's FRN is 981673. You can verify it on the FCA register.