The Co-Operative Family Credit Union Limited

Reference number: 213649

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

Authorisation being cancelled

This firm has asked the FCA to cancel its authorisation. It is still in force until the FCA processes the application, so existing business keeps its protection, but its regulated work is winding down.

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.

Also trades as 4 other names
  • Co-op Credit Union
  • The Co-op Credit Union
  • The Co-operative Credit Union
  • The Money Co-op

Check on the FCA register → Report a scam →

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake websites (1)
  • mercierclark.com
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

Activities and protection

What they can do, and how you are protected

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.

    Check your FSCS cover →

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Show FCA detail (3 permissions)
  • Accepting Deposits
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

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.

The clone warnings above are scammers using this firm's name, not something the firm has done.

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Common questions

Frequently asked questions

Is The Co-Operative Family Credit Union Limited FCA authorised?
The Co-Operative Family Credit Union Limited (FRN 213649) is on the FCA register, but its authorisation is changing (authorisation being cancelled). Check the register before dealing with it.
Is my money safe with The Co-Operative Family Credit Union?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about The Co-Operative Family Credit Union to the Financial Ombudsman Service, free of charge.
Is The Co-Operative Family Credit Union a scam or clone?
The Co-Operative Family Credit Union 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 The Co-Operative Family Credit Union's Firm Reference Number (FRN)?
The Co-Operative Family Credit Union's FRN is 213649. You can verify it on the FCA register.