Philip James Harrison

Reference number: 987498

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Introducer appointed representative

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

Responsible principal firm

Distinct Funeral Plans Limited Reference number: 965289 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.
  • Philip James Harrison (FRN 987498) introduces customers to Distinct Funeral Plans Limited (FRN 965289). Any regulated advice or arranging is done by the principal, not Philip James Harrison.
  • Example: if Philip James Harrison refers you to a financial adviser, the advice should come from the principal firm, not from Philip James Harrison 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
  • NEWCASTLE FAMILY FUNERAL DIRECTORS

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 Distinct Funeral Plans 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 Philip James Harrison FCA authorised?
Philip James Harrison (FRN 987498) 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 Philip James Harrison?
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. Philip James Harrison (FRN 987498) introduces customers to Distinct Funeral Plans Limited (FRN 965289). Any regulated advice or arranging is done by the principal, not Philip James Harrison. Example: if Philip James Harrison refers you to a financial adviser, the advice should come from the principal firm, not from Philip James Harrison 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 Philip James Harrison?
Protection works through Distinct Funeral Plans Limited, the principal firm responsible for Philip James Harrison's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Philip James Harrison a scam or clone?
Philip James Harrison 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 Philip James Harrison's Firm Reference Number (FRN)?
Philip James Harrison's FRN is 987498. You can verify it on the FCA register.