Nicola Duncan

Reference number: 946295

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Introducer appointed representative

Nicola Duncan can only introduce you to their principal, and cannot give financial advice, recommend products, or arrange deals alone.

The FCA register does not name a principal for this 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.
  • Nicola Duncan (FRN 946295) is listed as an introducer appointed representative, but the register does not show its principal firm here. Check the FCA register before sharing your details.
  • Example: if Nicola Duncan refers you to a financial adviser, the advice should come from the principal firm, not from Nicola Duncan 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
  • Berkshire Jeeps
  • Berkshire Jeeps and Jags

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.

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Common questions

Frequently asked questions

Is Nicola Duncan FCA authorised?
Nicola Duncan (FRN 946295) 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 Nicola Duncan?
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. Nicola Duncan (FRN 946295) is listed as an introducer appointed representative, but the register does not show its principal firm here. Check the FCA register before sharing your details. Example: if Nicola Duncan refers you to a financial adviser, the advice should come from the principal firm, not from Nicola Duncan 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 Nicola Duncan?
Protection works through the principal firm responsible for Nicola Duncan's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Nicola Duncan a scam or clone?
Nicola Duncan 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 Nicola Duncan's Firm Reference Number (FRN)?
Nicola Duncan's FRN is 946295. You can verify it on the FCA register.