Stephen Tester Funeral Directors Limited

Reference number: 1046476

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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

Golden Charter Limited Reference number: 965279 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.
  • Stephen Tester Funeral Directors Limited (FRN 1046476) is an AR of Golden Charter Limited (FRN 965279). When you use Stephen Tester Funeral Directors's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Stephen Tester Funeral Directors, 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
16314474
Company status
Active
Company type
Private limited company
Incorporated
13 March 2025 (1 year old)
Registered office
Beacon House, Park Road, Crowborough, TN6 2QX, England
Nature of business
  • Funeral and related activities (SIC 96030)

Current directors and secretaries

Name Role Born Appointed
Graham Robert Hackley Director Feb 1973 13 Mar 2025
Timothy John Lovell Director Oct 1981 13 Mar 2025
Stephen Sean Tester Director Jan 1967 13 Mar 2025

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 Golden Charter 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 Stephen Tester Funeral Directors Limited FCA authorised?
Stephen Tester Funeral Directors Limited (FRN 1046476) 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 Stephen Tester Funeral Directors?
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. Stephen Tester Funeral Directors Limited (FRN 1046476) is an AR of Golden Charter Limited (FRN 965279). When you use Stephen Tester Funeral Directors's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Stephen Tester Funeral Directors, 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 Stephen Tester Funeral Directors?
Protection works through Golden Charter Limited, the principal firm responsible for Stephen Tester Funeral Directors's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Stephen Tester Funeral Directors a scam or clone?
Stephen Tester Funeral Directors 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 Stephen Tester Funeral Directors's Firm Reference Number (FRN)?
Stephen Tester Funeral Directors's FRN is 1046476. You can verify it on the FCA register.