Saga Cruises Limited

Reference number: 937058

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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.

Responsible principal firm

Saga Services Limited Reference number: 311557 Authorised View 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.
  • Saga Cruises Limited (FRN 937058) is an AR of Saga Services Limited (FRN 311557). When you use Saga Cruises's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Saga Cruises, 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 number
03267858
Company status
Active
Company type
Private limited company
Incorporated
24 October 1996 (29 years old)
Registered office
3 Pancras Square, London, N1C 4AG, United Kingdom
Nature of business
  • Sea and coastal passenger water transport (SIC 50100)

Current directors and secretaries

Name Role Born Appointed
Nigel Owen Blanks Director Aug 1967 1 Oct 2020
Frances Charlotte Collins Director Jan 1977 13 Jan 2022
Andrew Joseph Harwood Director Dec 1967 18 Mar 2022
Michael Robert Hazell Director Jun 1973 19 Oct 2023
Mark Watkins Director Dec 1980 21 Mar 2024
Donna Louise Kempster Secretary Not published 14 Oct 2022

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 Saga Services 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 Saga Cruises Limited FCA authorised?
Saga Cruises Limited (FRN 937058) 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 Saga Cruises?
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. Saga Cruises Limited (FRN 937058) is an AR of Saga Services Limited (FRN 311557). When you use Saga Cruises's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Saga Cruises, 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 Saga Cruises?
Protection works through Saga Services Limited, the principal firm responsible for Saga Cruises's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Saga Cruises a scam or clone?
Saga Cruises 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 Saga Cruises's Firm Reference Number (FRN)?
Saga Cruises's FRN is 937058. You can verify it on the FCA register.