Smart thinking finance ltd

Reference number: 994931

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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

COMMERCIAL AND ASSET FINANCE LTD. Reference number: 729014 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.
  • Smart thinking finance ltd (FRN 994931) is an AR of COMMERCIAL AND ASSET FINANCE LTD. (FRN 729014). When you use Smart thinking finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Smart thinking finance, 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.

  • No website on the FCA register

  • Verified phone number

    07585 808296

  • Verified address

    7 Arnhall Crescent, Westhill, Aberdeenshire, AB32 6TY, United Kingdom

Company details

From the company's Companies House record.

Company number
SC697196
Company status
Active
Company type
Private limited company
Incorporated
28 April 2021 (5 years old)
Registered office
7 Arnhall Crescent, Westhill, AB32 6TY, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Alistair John Mccallum Director Dec 1959 28 Apr 2021

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 COMMERCIAL AND ASSET FINANCE LTD., 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 Smart thinking finance ltd FCA authorised?
Smart thinking finance ltd (FRN 994931) 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 Smart thinking finance?
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. Smart thinking finance ltd (FRN 994931) is an AR of COMMERCIAL AND ASSET FINANCE LTD. (FRN 729014). When you use Smart thinking finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Smart thinking finance, 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 Smart thinking finance?
Protection works through COMMERCIAL AND ASSET FINANCE LTD., the principal firm responsible for Smart thinking finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Smart thinking finance a scam or clone?
Smart thinking finance 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 Smart thinking finance's Firm Reference Number (FRN)?
Smart thinking finance's FRN is 994931. You can verify it on the FCA register.