Through Transport Mutual Services (UK) Ltd

Reference number: 203492

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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.

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.
  • Through Transport Mutual Services (UK) Ltd (FRN 203492) is an AR of TT Club Mutual Insurance Limited (FRN 202852). When you use Through Transport Mutual Services (UK)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Through Transport Mutual Services (UK), 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

  • No phone number on the FCA register

  • Verified address

    90 Fenchurch Street, London, EC£M 4ST, United Kingdom

Company details

From the company's Companies House record.

Company name
THROUGH TRANSPORT MUTUAL SERVICES (UK) LIMITED
Company number
02979794
Company status
Active
Company type
Private limited company
Incorporated
17 October 1994 (31 years old)
Registered office
90 Fenchurch Street, London, EC3M 4ST
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
Ehsan Saif Chowdhury Director Apr 1969 9 Sep 2023
Charles Edward Fenton Director Jul 1964 1 Aug 2024
Kevin David King Director Sep 1967 1 Aug 2024
Kieran Patrick Halpenny Secretary Not published 31 Dec 2009

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through TT Club Mutual Insurance 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.

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Through Transport Mutual Services Limited

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Common questions

Frequently asked questions

Is Through Transport Mutual Services (UK) Ltd FCA authorised?
Through Transport Mutual Services (UK) Ltd (FRN 203492) 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 Through Transport Mutual Services (UK)?
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. Through Transport Mutual Services (UK) Ltd (FRN 203492) is an AR of TT Club Mutual Insurance Limited (FRN 202852). When you use Through Transport Mutual Services (UK)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Through Transport Mutual Services (UK), 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 Through Transport Mutual Services (UK)?
Protection works through TT Club Mutual Insurance Limited, the principal firm responsible for Through Transport Mutual Services (UK)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Through Transport Mutual Services (UK) a scam or clone?
Through Transport Mutual Services (UK) 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 Through Transport Mutual Services (UK)'s Firm Reference Number (FRN)?
Through Transport Mutual Services (UK)'s FRN is 203492. You can verify it on the FCA register.