Moray College UHI

Reference number: 932655

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Introducer appointed representative

Moray College UHI can only introduce you to their principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Cycle Solutions (Cycle to Work) Limited Reference number: 722968 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Moray College UHI (FRN 932655) introduces customers to Cycle Solutions (Cycle to Work) Limited (FRN 722968). Any regulated advice or arranging is done by the principal, not Moray College UHI.
  • Example: if Moray College UHI refers you to a financial adviser, the advice should come from the principal firm, not from Moray College UHI itself.
  • 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 576238

  • Verified address

    Moray College, Moray Street, Elgin, Moray, IV30 1JJ, United Kingdom

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 Cycle Solutions (Cycle to Work) 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 Moray College UHI FCA authorised?
Moray College UHI (FRN 932655) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Moray College UHI?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Moray College UHI (FRN 932655) introduces customers to Cycle Solutions (Cycle to Work) Limited (FRN 722968). Any regulated advice or arranging is done by the principal, not Moray College UHI. Example: if Moray College UHI refers you to a financial adviser, the advice should come from the principal firm, not from Moray College UHI itself. 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 Moray College UHI?
Protection works through Cycle Solutions (Cycle to Work) Limited, the principal firm responsible for Moray College UHI's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Moray College UHI a scam or clone?
Moray College UHI 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 Moray College UHI's Firm Reference Number (FRN)?
Moray College UHI's FRN is 932655. You can verify it on the FCA register.