Mrs WA Adams and Mrs JL Croft

Reference number: 413770

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Introducer appointed representative

Mrs WA Adams and Mrs JL Croft 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 WA Adams and Mrs JL Croft (FRN 413770) introduces customers to Bspoke Lifestyle Ltd (FRN 820727). Any regulated advice or arranging is done by the principal, not Mrs WA Adams and Mrs JL Croft.
  • Example: if Mrs WA Adams and Mrs JL Croft refers you to a financial adviser, the advice should come from the principal firm, not from Mrs WA Adams and Mrs JL Croft 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
  • The Sandlings Centre

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

  • MJL and WA Adams
  • Mrs W A Adams

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Common questions

Frequently asked questions

Is Mrs WA Adams and Mrs JL Croft FCA authorised?
Mrs WA Adams and Mrs JL Croft (FRN 413770) 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 WA Adams and Mrs JL Croft?
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 WA Adams and Mrs JL Croft (FRN 413770) introduces customers to Bspoke Lifestyle Ltd (FRN 820727). Any regulated advice or arranging is done by the principal, not Mrs WA Adams and Mrs JL Croft. Example: if Mrs WA Adams and Mrs JL Croft refers you to a financial adviser, the advice should come from the principal firm, not from Mrs WA Adams and Mrs JL Croft 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 WA Adams and Mrs JL Croft?
Protection works through Bspoke Lifestyle Ltd, the principal firm responsible for Mrs WA Adams and Mrs JL Croft's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Mrs WA Adams and Mrs JL Croft a scam or clone?
Mrs WA Adams and Mrs JL Croft 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 WA Adams and Mrs JL Croft's Firm Reference Number (FRN)?
Mrs WA Adams and Mrs JL Croft's FRN is 413770. You can verify it on the FCA register.