Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.
Almost all firms and individuals must be authorised by us to carry out financial services in the UK.
This firm is not authorised by us but has been contacting people pretending to be an authorised firm. This is what we call a clone firm[1].
Search our Warning List[2] for other unauthorised and clone firms we're aware of.
Clone firm details
Fraudsters are using the following details to scam people:
Name: Paul Michael Harwood (clone of FCA authorised firm)
Other Information: This FCA authorised individual that fraudsters are claiming to be has no association with the ‘cloned individual’. He is authorised to offer, promote or sell services or product in the UK and his correct details are: Individual name: Paul Michael Harwood of Courtiers Investment Services Limited Individual reference number: PMH01119
Scammers may give out other false details, including email addresses, telephone numbers, postal addresses and Firm Reference Numbers.
They may mix these details with the genuine details of authorised firms.
They may also change their contact details over time.
What this means for you
If you deal with this firm, you won't have access to the Financial Ombudsman Service[4] if you have a complaint.
You also won't be protected by the Financial Services Compensation Scheme (FSCS)[5] if things go wrong. This means it's unlikely you'd get your money back if the firm goes out of business.
How to protect yourself
You should only deal with financial firms that are authorised by us. If a financial firm is authorised by us, it gives you greater protection if things go wrong.
You can check our Financial Services Register[6] to make sure a firm is authorised and has permission for the service it's offering you.
You'll also be able to find:
- information on how you're protected
- contact details for authorised firms
If you're contacted unexpectedly by a financial business or individual, make sure you reply using the contact details on the FS Register.
Find out more about how to protect yourself from scams[7].
Report a clone firm
If you think you've been approached by an unauthorised or clone firm, call us on 0800 111 6768, or use our contact form[8].
