William McMonagle

Reference number: 1053334

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Introducer appointed representative

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

Responsible principal firm

LowRateCarFinance Limited Reference number: 963856 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.
  • William McMonagle (FRN 1053334) introduces customers to LowRateCarFinance Limited (FRN 963856). Any regulated advice or arranging is done by the principal, not William McMonagle.
  • Example: if William McMonagle refers you to a financial adviser, the advice should come from the principal firm, not from William McMonagle 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
  • McMullin Motors

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 LowRateCarFinance 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 William McMonagle FCA authorised?
William McMonagle (FRN 1053334) 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 William McMonagle?
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. William McMonagle (FRN 1053334) introduces customers to LowRateCarFinance Limited (FRN 963856). Any regulated advice or arranging is done by the principal, not William McMonagle. Example: if William McMonagle refers you to a financial adviser, the advice should come from the principal firm, not from William McMonagle 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 William McMonagle?
Protection works through LowRateCarFinance Limited, the principal firm responsible for William McMonagle's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is William McMonagle a scam or clone?
William McMonagle 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 William McMonagle's Firm Reference Number (FRN)?
William McMonagle's FRN is 1053334. You can verify it on the FCA register.