The Mid-Counties Co-operative Limited

Reference number: 554371

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

The Co-Operative Family Credit Union Limited Reference number: 213649 Caution 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.
  • The Mid-Counties Co-operative Limited (FRN 554371) introduces customers to The Co-Operative Family Credit Union Limited (FRN 213649). Any regulated advice or arranging is done by the principal, not The Mid-Counties Co-operative.
  • Example: if The Mid-Counties Co-operative refers you to a financial adviser, the advice should come from the principal firm, not from The Mid-Counties Co-operative 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.

Also trades as
  • Little Pioneers
  • Your Co-op Childcare

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 The Co-Operative Family 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.

Names it no longer trades under

This firm has retired one trading name. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired name
  • Co-Operative Employee Benefits

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Common questions

Frequently asked questions

Is The Mid-Counties Co-operative Limited FCA authorised?
The Mid-Counties Co-operative Limited (FRN 554371) 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 The Mid-Counties Co-operative?
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. The Mid-Counties Co-operative Limited (FRN 554371) introduces customers to The Co-Operative Family Credit Union Limited (FRN 213649). Any regulated advice or arranging is done by the principal, not The Mid-Counties Co-operative. Example: if The Mid-Counties Co-operative refers you to a financial adviser, the advice should come from the principal firm, not from The Mid-Counties Co-operative 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 The Mid-Counties Co-operative?
Protection works through The Co-Operative Family Credit Union Limited, the principal firm responsible for The Mid-Counties Co-operative's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is The Mid-Counties Co-operative a scam or clone?
The Mid-Counties Co-operative 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 Mid-Counties Co-operative's Firm Reference Number (FRN)?
The Mid-Counties Co-operative's FRN is 554371. You can verify it on the FCA register.