NI Financial Directions Ltd

Reference number: 224312

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

The FCA register does not name a principal for this firm.

What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • NI Financial Directions Ltd (FRN 224312) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm.
  • Example: if you take financial advice from NI Financial Directions, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • 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.

Company details

From the company's Companies House record.

Company name
NI FINANCIAL DIRECTIONS LIMITED
Company number
NI634135
Company status
Active
Company type
Private limited company
Incorporated
8 October 2015 (10 years old)
Registered office
31a Main Street, Castlewellan, BT31 9DQ, Northern Ireland
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Current directors and secretaries

Name Role Born Appointed
Patricia Cowan Director Aug 1958 8 Oct 2015
Terence Cowan Director Sep 1955 8 Oct 2015

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 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.

  • Financial Directions
  • (NI) Financial Directions Ltd

Names it no longer trades under

This firm has retired 2 trading names. 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 names
  • Grant Money Financial Services
  • MCA Financial Management

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Common questions

Frequently asked questions

Is NI Financial Directions Ltd FCA authorised?
NI Financial Directions Ltd (FRN 224312) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for NI Financial Directions?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. NI Financial Directions Ltd (FRN 224312) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm. Example: if you take financial advice from NI Financial Directions, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. 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 NI Financial Directions?
Protection works through the principal firm responsible for NI Financial Directions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is NI Financial Directions a scam or clone?
NI Financial Directions 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 NI Financial Directions's Firm Reference Number (FRN)?
NI Financial Directions's FRN is 224312. You can verify it on the FCA register.