Murtaza Kaderbhai and Nazia Alyas

Reference number: 823241

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Introducer appointed representative

Murtaza Kaderbhai and Nazia Alyas can only introduce you to their principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Tabeo Finance Limited Reference number: 777539 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.
  • Murtaza Kaderbhai and Nazia Alyas (FRN 823241) introduces customers to Tabeo Finance Limited (FRN 777539). Any regulated advice or arranging is done by the principal, not Murtaza Kaderbhai and Nazia Alyas.
  • Example: if Murtaza Kaderbhai and Nazia Alyas refers you to a financial adviser, the advice should come from the principal firm, not from Murtaza Kaderbhai and Nazia Alyas 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
  • Droitwich Spa Dental Practice
  • Spa Dental Clinic

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 Tabeo Finance 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 Murtaza Kaderbhai and Nazia Alyas FCA authorised?
Murtaza Kaderbhai and Nazia Alyas (FRN 823241) 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 Murtaza Kaderbhai and Nazia Alyas?
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. Murtaza Kaderbhai and Nazia Alyas (FRN 823241) introduces customers to Tabeo Finance Limited (FRN 777539). Any regulated advice or arranging is done by the principal, not Murtaza Kaderbhai and Nazia Alyas. Example: if Murtaza Kaderbhai and Nazia Alyas refers you to a financial adviser, the advice should come from the principal firm, not from Murtaza Kaderbhai and Nazia Alyas 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 Murtaza Kaderbhai and Nazia Alyas?
Protection works through Tabeo Finance Limited, the principal firm responsible for Murtaza Kaderbhai and Nazia Alyas's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Murtaza Kaderbhai and Nazia Alyas a scam or clone?
Murtaza Kaderbhai and Nazia Alyas 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 Murtaza Kaderbhai and Nazia Alyas's Firm Reference Number (FRN)?
Murtaza Kaderbhai and Nazia Alyas's FRN is 823241. You can verify it on the FCA register.