T.HOWCROFT AND SONS LIMITED

Reference number: 980345

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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.
  • T.HOWCROFT AND SONS LIMITED (FRN 980345) is an AR of Golden Charter Limited (FRN 965279). When you use T.HOWCROFT AND SONS's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from T.HOWCROFT AND SONS, 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

    01756 792173

  • Verified address

    Chapel of Rest, Duckett Street, Skipton, BD23 2EJ, United Kingdom

Also trades as
  • Howcrofts Funeral Services

Company details

From the company's Companies House record.

Company number
00411716
Company status
Active
Company type
Private limited company
Incorporated
29 May 1946 (80 years old)
Registered office
Chapel Of Rest, Duckett Street, Skipton, BD23 2EJ, England
Nature of business
  • Funeral and related activities (SIC 96030)

Current directors and secretaries

Name Role Born Appointed
Victoria Jane Howcroft-Metcalfe Director Jan 1968 1 Nov 1997
Craig Marshall Metcalfe Director May 1964 27 May 2022
Victoria Jane Howcroft-Metcalfe Secretary Not published 1 Feb 2013

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 T.HOWCROFT AND SONS LIMITED FCA authorised?
T.HOWCROFT AND SONS LIMITED (FRN 980345) 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 T.HOWCROFT AND SONS?
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. T.HOWCROFT AND SONS LIMITED (FRN 980345) is an AR of Golden Charter Limited (FRN 965279). When you use T.HOWCROFT AND SONS's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from T.HOWCROFT AND SONS, 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 T.HOWCROFT AND SONS?
Protection works through Golden Charter Limited, the principal firm responsible for T.HOWCROFT AND SONS's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is T.HOWCROFT AND SONS a scam or clone?
T.HOWCROFT AND SONS 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 T.HOWCROFT AND SONS's Firm Reference Number (FRN)?
T.HOWCROFT AND SONS's FRN is 980345. You can verify it on the FCA register.