Marks and Spencer P.L.C.

Reference number: 151426

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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.
  • Marks and Spencer P.L.C. (FRN 151426) 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 Marks and Spencer P.L.C., 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.

Same company

This company holds 2 other FCA records

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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
  • M&S Pet Insurance
  • M&S Travel Insurance

Company details

From the company's Companies House record.

Company number
00214436
Company status
Active
Company type
Public limited company
Incorporated
17 June 1926 (100 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Other retail sale in non-specialised stores (SIC 47190)

Current directors and secretaries

Name Role Born Appointed
Nick James Folland Director Oct 1965 1 Feb 2019
Alison Ann Dolan Director Dec 1969 1 Apr 2025
Nick James Folland Secretary Not published 1 Feb 2019

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.

Previously registered as

The FCA register holds 3 earlier registered names for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Marks and Spencer P.L.C
  • Marks & Spencer Plc
  • Marks & Spencer P.L.C

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Common questions

Frequently asked questions

Is Marks and Spencer P.L.C. FCA authorised?
Marks and Spencer P.L.C. (FRN 151426) 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 Marks and Spencer P.L.C.?
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. Marks and Spencer P.L.C. (FRN 151426) 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 Marks and Spencer P.L.C., 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 Marks and Spencer P.L.C.?
Protection works through the principal firm responsible for Marks and Spencer P.L.C.'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Marks and Spencer P.L.C. a scam or clone?
Marks and Spencer P.L.C. 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 Marks and Spencer P.L.C.'s Firm Reference Number (FRN)?
Marks and Spencer P.L.C.'s FRN is 151426. You can verify it on the FCA register.