Public & Commercial Services Union

Reference number: 403529

Instant download

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.
  • Public & Commercial Services Union (FRN 403529) introduces customers to Union Income Benefit Holdings Limited (FRN 307575). Any regulated advice or arranging is done by the principal, not Public & Commercial Services Union.
  • Example: if Public & Commercial Services Union refers you to a financial adviser, the advice should come from the principal firm, not from Public & Commercial Services Union 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
  • PCS

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.

Download this page as a PDF report

£5 for a clean, timestamped copy you can keep, file or send on. It also helps keep the site free to use and free of ads.

Instant download

Common questions

Frequently asked questions

Is Public & Commercial Services Union FCA authorised?
Public & Commercial Services Union (FRN 403529) 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 Public & Commercial Services Union?
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. Public & Commercial Services Union (FRN 403529) introduces customers to Union Income Benefit Holdings Limited (FRN 307575). Any regulated advice or arranging is done by the principal, not Public & Commercial Services Union. Example: if Public & Commercial Services Union refers you to a financial adviser, the advice should come from the principal firm, not from Public & Commercial Services Union 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 Public & Commercial Services Union?
Protection works through Union Income Benefit Holdings Limited, the principal firm responsible for Public & Commercial Services Union's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Public & Commercial Services Union a scam or clone?
Public & Commercial Services Union 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 Public & Commercial Services Union's Firm Reference Number (FRN)?
Public & Commercial Services Union's FRN is 403529. You can verify it on the FCA register.