M Gwinnell & R Gwinnell & Mrs C Gwinnell

Reference number: 982140

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Appointed representative

M Gwinnell & R Gwinnell & Mrs C Gwinnell does not hold FCA authorisation of their own. It acts under a principal firm, which is legally responsible for their 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.
  • M Gwinnell & R Gwinnell & Mrs C Gwinnell (FRN 982140) is an AR of Golden Charter Limited (FRN 965279). When you use M Gwinnell & R Gwinnell & Mrs C Gwinnell's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from M Gwinnell & R Gwinnell & Mrs C Gwinnell, 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

    01206 868585

  • Verified address

    112 Ipswich Road, Colchester, Essex, CO4 0AA, United Kingdom

Also trades as
  • A R Clarke
  • R Gwinnell & Sons

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.

Previously registered as

The FCA register holds 2 earlier registered names for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Matthew Gwinnell
  • Matthew Gwinnell & Roy Gwinnell

Names it no longer trades under

This firm has retired one trading name. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired name
  • Martin & Sons Funeral Directors of Clare

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Common questions

Frequently asked questions

Is M Gwinnell & R Gwinnell & Mrs C Gwinnell FCA authorised?
M Gwinnell & R Gwinnell & Mrs C Gwinnell (FRN 982140) 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 M Gwinnell & R Gwinnell & Mrs C Gwinnell?
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. M Gwinnell & R Gwinnell & Mrs C Gwinnell (FRN 982140) is an AR of Golden Charter Limited (FRN 965279). When you use M Gwinnell & R Gwinnell & Mrs C Gwinnell's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from M Gwinnell & R Gwinnell & Mrs C Gwinnell, 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 M Gwinnell & R Gwinnell & Mrs C Gwinnell?
Protection works through Golden Charter Limited, the principal firm responsible for M Gwinnell & R Gwinnell & Mrs C Gwinnell's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is M Gwinnell & R Gwinnell & Mrs C Gwinnell a scam or clone?
M Gwinnell & R Gwinnell & Mrs C Gwinnell 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 M Gwinnell & R Gwinnell & Mrs C Gwinnell's Firm Reference Number (FRN)?
M Gwinnell & R Gwinnell & Mrs C Gwinnell's FRN is 982140. You can verify it on the FCA register.