NAPO

Reference number: 401797

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Union Income Benefit Holdings Limited Reference number: 307575 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.
  • NAPO (FRN 401797) introduces customers to Union Income Benefit Holdings Limited (FRN 307575). Any regulated advice or arranging is done by the principal, not NAPO.
  • Example: if NAPO refers you to a financial adviser, the advice should come from the principal firm, not from NAPO 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 Trade Union, Professional Association and campaigning organisation for Probation and Family Court staff

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 Union Income Benefit Holdings 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.

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
  • The Trade Union and Professional Association for Family Court and Probation Staff

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Common questions

Frequently asked questions

Is NAPO FCA authorised?
NAPO (FRN 401797) 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 NAPO?
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. NAPO (FRN 401797) introduces customers to Union Income Benefit Holdings Limited (FRN 307575). Any regulated advice or arranging is done by the principal, not NAPO. Example: if NAPO refers you to a financial adviser, the advice should come from the principal firm, not from NAPO 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 NAPO?
Protection works through Union Income Benefit Holdings Limited, the principal firm responsible for NAPO's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is NAPO a scam or clone?
NAPO 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 NAPO's Firm Reference Number (FRN)?
NAPO's FRN is 401797. You can verify it on the FCA register.