Stornoway Golf Club

Reference number: 1045981

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Introducer appointed representative

Stornoway Golf Club can only introduce you to their principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Capital Credit Union Limited Reference number: 213575 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.
  • Stornoway Golf Club (FRN 1045981) introduces customers to Capital Credit Union Limited (FRN 213575). Any regulated advice or arranging is done by the principal, not Stornoway Golf Club.
  • Example: if Stornoway Golf Club refers you to a financial adviser, the advice should come from the principal firm, not from Stornoway Golf Club 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.

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 Capital Credit Union 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 Stornoway Golf Club FCA authorised?
Stornoway Golf Club (FRN 1045981) 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 Stornoway Golf Club?
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. Stornoway Golf Club (FRN 1045981) introduces customers to Capital Credit Union Limited (FRN 213575). Any regulated advice or arranging is done by the principal, not Stornoway Golf Club. Example: if Stornoway Golf Club refers you to a financial adviser, the advice should come from the principal firm, not from Stornoway Golf Club 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 Stornoway Golf Club?
Protection works through Capital Credit Union Limited, the principal firm responsible for Stornoway Golf Club's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Stornoway Golf Club a scam or clone?
Stornoway Golf Club 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 Stornoway Golf Club's Firm Reference Number (FRN)?
Stornoway Golf Club's FRN is 1045981. You can verify it on the FCA register.