Mrs HRO, Mr NJ & Mrs JC Cowen

Reference number: 415961

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Introducer appointed representative

Mrs HRO, Mr NJ & Mrs JC Cowen can only introduce you to their principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Bspoke Lifestyle Ltd Reference number: 820727 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.
  • Mrs HRO, Mr NJ & Mrs JC Cowen (FRN 415961) introduces customers to Bspoke Lifestyle Ltd (FRN 820727). Any regulated advice or arranging is done by the principal, not Mrs HRO, Mr NJ & Mrs JC Cowen.
  • Example: if Mrs HRO, Mr NJ & Mrs JC Cowen refers you to a financial adviser, the advice should come from the principal firm, not from Mrs HRO, Mr NJ & Mrs JC Cowen 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.

Also trades as
  • Widend Touring Park

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 Bspoke Lifestyle Ltd, 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 one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Mr RR, Mrs HRO Mr NJ, Mrs JC Cowen

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
  • Widend TP

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Common questions

Frequently asked questions

Is Mrs HRO, Mr NJ & Mrs JC Cowen FCA authorised?
Mrs HRO, Mr NJ & Mrs JC Cowen (FRN 415961) 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 Mrs HRO, Mr NJ & Mrs JC Cowen?
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. Mrs HRO, Mr NJ & Mrs JC Cowen (FRN 415961) introduces customers to Bspoke Lifestyle Ltd (FRN 820727). Any regulated advice or arranging is done by the principal, not Mrs HRO, Mr NJ & Mrs JC Cowen. Example: if Mrs HRO, Mr NJ & Mrs JC Cowen refers you to a financial adviser, the advice should come from the principal firm, not from Mrs HRO, Mr NJ & Mrs JC Cowen 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 Mrs HRO, Mr NJ & Mrs JC Cowen?
Protection works through Bspoke Lifestyle Ltd, the principal firm responsible for Mrs HRO, Mr NJ & Mrs JC Cowen's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Mrs HRO, Mr NJ & Mrs JC Cowen a scam or clone?
Mrs HRO, Mr NJ & Mrs JC Cowen 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 Mrs HRO, Mr NJ & Mrs JC Cowen's Firm Reference Number (FRN)?
Mrs HRO, Mr NJ & Mrs JC Cowen's FRN is 415961. You can verify it on the FCA register.