The record
The fraud timeline
Every dated thing we track in one place: FCA Warning List entries, Ombudsman decisions, court rulings, rule changes, live desk updates and our own reporting. Filter it, or jump to a month. Descriptions of published material only — nothing here assesses anyone's case.
Showing 262 of 262 dated entries.
Sept 2026 · 169 entries
Live desk update
Life insurance cash rewards – are they worth it?
You can get up to £150 for taking out life insurance, but there are more important things to consider when choosing cover
Live desk update
Images
Picked up by our monitoring of Financial Conduct Authority. Full detail is on the publisher's own page.
Live desk update
Infographics
Picked up by our monitoring of Financial Conduct Authority. Full detail is on the publisher's own page.
Live desk update
Video
Picked up by our monitoring of Financial Conduct Authority. Full detail is on the publisher's own page.
Live desk update
Warning List addition logged: Morizon Ltd
Morizon Ltd is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Laurie Schnidman
Laurie Schnidman reginefredriks… Fri, 09/18/2026 - 16:28 Chief Product Officer, AI Ecosystem Experian UK
Live desk update
5 European Christmas markets you can visit by Eurostar
Plus, festive destinations worth a changeover
Live desk update
Fiona Ghosh
Fiona Ghosh reginefredriks… Fri, 09/18/2026 - 11:45 Partner Ashurst
Live desk update
Patricia Wade
Patricia Wade reginefredriks… Fri, 09/18/2026 - 11:43 Expertise Counsel, Technology Strategy, Disputes & Transactions Ashurst
Live desk update
Building a stronger UK investment culture
Speech by Lucy Castledine, director of consumer investments, at the 2026 Investor Summit. Speaker: Lucy Castledine, director, consumer investmentsEvent: Investor Summit 2026, LondonDelivered: 18 September 2026Note: This is the speech as …
Live desk update
Warning List addition logged: HUOWEALTH
HUOWEALTH is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
HUOWEALTH
HUOWEALTH is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Morizon Ltd
Morizon Ltd is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
You might not be making the most of your workplace pension - here’s what to do
Are you one of the 46% of workers who don’t know how much their employer contributes to their pension?
Live desk update
Warning List addition logged: Rock Point Partners / https://rockpointpartners.com/
Rock Point Partners / https://rockpointpartners.com/ is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Clone entry logged: Coverfast / TempDrive
Coverfast / TempDrive (clone of FCA authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised…
Live desk update
Warning List addition logged: Bluefield Investments
Bluefield Investments is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Piers Claughton
Piers Claughton charlotte.raje… Thu, 09/17/2026 - 16:42 Head of Public Affairs UK Finance
Live desk update
Kathryn Westmore
Kathryn Westmore charlotte.raje… Thu, 09/17/2026 - 16:39 Director, Financial Crime UK Finance
Live desk update
FCA and partners continues crackdown on illegal crypto trading
The FCA and partners have taken further action against illegal peer-to-peer crypto trading in London. The FCA has carried out further operations with partners to disrupt illegal peer-to-peer crypto trading across multiple London location…
Live desk update
Financial crime: protecting the hive
Speech by Steve Smart, executive director of enforcement and market oversight, at the Law Society Economic Crime Conference 2026. IntroductionA few weeks ago, I visited the Bank of England Museum to see a new exhibition on financial crime.
Live desk update
Warning List addition logged: NovaTask (Clone of FCA registered firm)
NovaTask (Clone of FCA registered firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how…
Live desk update
Warning List addition logged: GRIN AND GAIN ADVISORS
GRIN AND GAIN ADVISORS is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
One thing you need to do now to control your energy bills this winter
Gas prices are rising rapidly but you can keep your bills in check
Live desk update
10 big-name brands – and the surprising rivals that beat them in Which? tests
Our product experts have uncovered Best Buys that outscore household-name rivals from Apple, Dyson, GoPro, Le Creuset and more
Live desk update
Warning List addition logged: Athena Acquisition Corp
Athena Acquisition Corp is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
FCA opens investigation into Euro Exchange Securities UK Ltd
We are investigating potential offences by Euro Exchange Securities UK Ltd (EES). The reason for opening the investigation is that it appears to us that, between 1 February 2020 and 4 June 2026, EES may have committed offences under the …
Live desk update
FCA sets out steps to support small businesses' access to finance
Small and medium-sized enterprises (SMEs) could access finance more easily after the FCA sets out practical steps to help. An FCA review found no evidence that its regulation is a major barrier for SME access to finance.
Live desk update
Better outcomes begin when payment firms understand customers’ needs
During our review of consumer vulnerability, we saw how relatively simple changes can make a real difference. One payments provider serving small business customers found that some customers were struggling to set up and manage their acc…
Clone firm warning
Coverfast / TempDrive
Coverfast / TempDrive (clone of FCA authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to prote…
Warning List entry
Bluefield Investments
Bluefield Investments is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
NovaTask (Clone of FCA registered firm)
NovaTask (Clone of FCA registered firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to protect yourself f…
Warning List entry
Athena Acquisition Corp
Athena Acquisition Corp is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
GRIN AND GAIN ADVISORS
GRIN AND GAIN ADVISORS is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Rock Point Partners / https://rockpointpartners.com/
Rock Point Partners / https://rockpointpartners.com/ is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
14 cheapish things that cheered us up for less than £50
The days are getting shorter and prices are getting higher, but we're hoping that these small buys will bring a smile to your face
Live desk update
Scamwatch: 'My Apple account has been compromised'
This sneaky scam could allow criminals to take over your account
Live desk update
Why you don't need to spend more than £15 on a kitchen knife
You don't need to splurge on an expensive knife to chop smoothly, prep comfortably and slice with precision
Live desk update
Clone entry logged: smartpaynet.com
smartpaynet.com (Clone of FCA authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm …
Live desk update
Clone entry logged: themoneycompass.net
themoneycompass.net (Clone of FCA authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised f…
Live desk update
Think a £50 printer is the cheap option? Here's why you need to think again
Our printer expert explains why you may want to spend more than you thought when buying a new model
Live desk update
Dr. Constantin Lichti
Dr. Constantin Lichti reginefredriks… Wed, 09/16/2026 - 14:16 Senior Consultant e*Finance Reply
Live desk update
Warning List addition logged: www.thinkingmega.com
www.thinkingmega.com is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Monzo launches UK’s first auto-investing credit card – is it any good?
Monzo Aura offers 1% cashback on groceries, but the monthly fees are steep
Live desk update
SS5/25: Industry Perspectives and Implications for Non-Systemic Firms
SS5/25: Industry Perspectives and Implications for Non-Systemic Firms This workshop provides a practical overview of the evolution from SS 3/19 to SS 5/25 and what the updated expectations mean for firms in practice. Anonymous (not verif…
Live desk update
Preparing for Basel 3.1 Go-Live: Non-IRB Firms
Preparing for Basel 3.1 Go-Live: Non-IRB Firms The objective is to help firms assess their readiness, identify key implementation risks and take proportionate, practical steps to ensure their numbers are reliable, explainable and well go…
Live desk update
Crypto firms get guidance on how the new regime applies
New FCA guidance will help firms understand how the law underpinning the UK's future cryptoasset regime applies to their business. It also sets out which activities may require FCA authorisation.
Warning List entry
www.thinkingmega.com
www.thinkingmega.com is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Clone firm warning
smartpaynet.com
smartpaynet.com (Clone of FCA authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to protect you…
Clone firm warning
themoneycompass.net
themoneycompass.net (Clone of FCA authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to protect…
Live desk update
The Greek island you need to visit out of the peak summer season
Going to Corfu in spring or autumn can open your eyes to a side of Greece you’ve never seen before
Live desk update
6 steps to get your pension fit for retirement
Rejuvenate your retirement savings with some simple checks
Live desk update
Should you be more hands-on with your pension investments?
Investment growth accounts for two-thirds of the typical pension pot
Live desk update
Luca Russignan
Luca Russignan reginefredriks… Tue, 09/15/2026 - 15:54 Senior Director, Global Head of Capgemini Research Institute for Financial Services Capgemini
Live desk update
Naomei Cathcart
Naomei Cathcart reginefredriks… Tue, 09/15/2026 - 15:54 Vice President, Financial Services Capgemini
Live desk update
Financial regulator bans former law firm owner from financial services
The FCA has banned Nurul Miah, also known as Neil Mia and Neil Miah, from working in financial services. The FCA acted after the Solicitors Regulation Authority (SRA) found that Mr Miah, who was a non-legal manager at Kingly Solicitors L…
Live desk update
Iranian cyber targeting of dissidents, activists and journalists
Advisory on CHOSEN BRICK malware, including technical analysis and advice to help individuals and organisations protect themselves.
Live desk update
UK and allies expose spyware used by Iranian state actors to target dissidents, activists and journalists
UK and allies provide advice to help organisations and individuals at risk detect and counter the threat from CHOSEN BRICK malware.
Live desk update
Zach Cooke
Zach Cooke charlotte.raje… Tue, 09/15/2026 - 12:22 Intern, Global Banking, Markets and International Affairs UK Finance
Live desk update
Hundreds of new officers to hunt down dirty money networks
Five hundred new officers to be recruited in a £500 million crackdown on money laundering, as part of the government's Anti-Money Laundering and Asset Recovery Strategy.
Live desk update
Big-name retailers breaking the law on returns
Our mystery shoppers put retailers' returns to the test to reveal the ones you can trust — and the ones flouting the rules on refunds
Live desk update
UK and Indian industry join forces to combat digital fraud
Telecommunications industry leaders in the UK and India will harness the power of Artificial Intelligence (AI) to tackle online fraud, scams and harms.
Live desk update
The £700 surprise: can you really trust online holiday prices?
We find bargains from the country’s biggest travel companies, which vanish when you try to book them
Live desk update
Premier Payment Solutions Ltd enters liquidation
On 10 September 2026, Premier Payment Solutions Ltd, which traded as PPS Money and MTBS (together, 'PPS Money'), entered liquidation. Bai Cham and Gary Shankland of BTG Begbies Traynor were appointed joint liquidators.
Live desk update
Warning List addition logged: capital-bltd.com / capital-bltd.net (Clone of FCA registered firm)
capital-bltd.com / capital-bltd.net (Clone of FCA registered firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with thi…
Live desk update
Upper Tribunal upholds Crispin Odey ban
Crispin Odey’s ban from the financial services industry has been upheld by the Upper Tribunal, which found he lacked integrity. Mr Odey was the founder and majority owner of Odey Asset Management (OAM).
Warning List entry
capital-bltd.com / capital-bltd.net (Clone of FCA registered firm)
capital-bltd.com / capital-bltd.net (Clone of FCA registered firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm an…
Live desk update
The workplace perk that could add thousands to your pension pot
Nearly half of those paying into a workplace defined contribution pension don’t know how much their employer contributes
Live desk update
5 favourite scenic European road trips picked by travel experts
Which? Travel experts share their top scenic routes past wild waves, peaceful Alpine lakes and hidden hilltop towns
Live desk update
'Is Making Tax Digital coming for my rental income?'
Every week we help you with your money problems
Live desk update
5 reasons you might still need a dedicated camera in 2026
Smartphone cameras have never been better, but dedicated cameras still excel where image quality, zoom and creative control matter most
Live desk update
Should you turn down a pay rise?
The prospect of paying more tax is making some workers think twice about accepting more money
Live desk update
5 retirement mistakes couples with an age gap should avoid
From care costs to early retirement, here's what to watch out for if there are some years between you and your partner
Live desk update
How much does it cost to live in a National Park?
Buying a home with access to the great outdoors comes at a premium
Live desk update
HMRC to review more than100,000 tax bills after technical error: have you been overcharged?
The issue lies in how HMRC calculates bills for those who pay tax through Pay As You Earn (PAYE)
Live desk update
Warning List addition logged: IC Unity
IC Unity is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
IC Unity
IC Unity is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
First Halifax, now TSB? Why are banks disappearing?
Bank branches are closing at rapid speed – and more are set to close too
Live desk update
How we tested AI chatbots – and the prompts that worked best
Find out how ChatGPT, Copilot, Gemini and Perplexity handled our money questions
Live desk update
Warning List addition logged: TradeWell
TradeWell is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Warning List addition logged: TradeWell
TradeWell is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Warning List addition logged: LEGACY TRADING GLOBAL
LEGACY TRADING GLOBAL is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Warning List addition logged: LEGACY TRADING GLOBAL
LEGACY TRADING GLOBAL is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Warning List addition logged: Hale Wealthwick (www.hale-wealthwick.com
Hale Wealthwick (www.hale-wealthwick.com is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Warning List addition logged: Hale Wealthwick (www.hale-wealthwick.com
Hale Wealthwick (www.hale-wealthwick.com is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Clone entry logged: FxBlue Bridge
FxBlue Bridge (clone of FCA authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm an…
Live desk update
Clone entry logged: FxBlue Bridge
FxBlue Bridge (clone of FCA authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm an…
Live desk update
Revealed: Don't buy these 10 expensive, unimpressive products – get these instead
You'd think spending more nets you a better product, but this is exactly why we put thousands of products through our rigorous testing
Live desk update
Revealed: Don't buy these 10 expensive, unimpressive products – get these instead
You'd think spending more nets you a better product, but this is exactly why we put thousands of products through our rigorous testing
Live desk update
Man pleads guilty to fraud and forgery offences relating to fake takeover approach
Christopher Woolcott has pleaded guilty to 4 counts of fraud and forgery after creating a fake takeover bid for Touchstone Exploration Inc. Mr Woolcott held shares in Touchstone Exploration Inc and stood to benefit financially from any u…
Live desk update
Man pleads guilty to fraud and forgery offences relating to fake takeover approach
Christopher Woolcott has pleaded guilty to 4 counts of fraud and forgery after creating a fake takeover bid for Touchstone Exploration Inc. Mr Woolcott held shares in Touchstone Exploration Inc and stood to benefit financially from any u…
Live desk update
Warning List addition logged: Velomarkets
Velomarkets is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Warning List addition logged: Velomarkets
Velomarkets is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Warning List addition logged: MPay Global
MPay Global is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Warning List addition logged: MPay Global
MPay Global is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Warning List addition logged: Secure Beacon Finances
Secure Beacon Finances is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Warning List addition logged: Secure Beacon Finances
Secure Beacon Finances is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Clare King
Clare King reginefredriks… Thu, 09/10/2026 - 12:17 Group Product Marketing Manager Beauhurst
Live desk update
Clare King
Clare King reginefredriks… Thu, 09/10/2026 - 12:17 Group Product Marketing Manager Beauhurst
Live desk update
Kavisha Sharma
Kavisha Sharma reginefredriks… Thu, 09/10/2026 - 10:30 Senior Consultant Avantage Reply
Live desk update
Kavisha Sharma
Kavisha Sharma reginefredriks… Thu, 09/10/2026 - 10:30 Senior Consultant Avantage Reply
Live desk update
Warning List addition logged: PROFIT VENTURES LIMITED
PROFIT VENTURES LIMITED is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
TradeWell
TradeWell is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
LEGACY TRADING GLOBAL
LEGACY TRADING GLOBAL is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Hale Wealthwick (www.hale-wealthwick.com
Hale Wealthwick (www.hale-wealthwick.com is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Clone firm warning
FxBlue Bridge
FxBlue Bridge (clone of FCA authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to protect yours…
Warning List entry
Velomarkets
Velomarkets is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
MPay Global
MPay Global is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Secure Beacon Finances
Secure Beacon Finances is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
PROFIT VENTURES LIMITED
PROFIT VENTURES LIMITED is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
The WhatsApp screen-sharing scam that could drain your bank account
Fraudsters pose as banks, the police and the Financial Conduct Authority (FCA) to hack accounts
Live desk update
The WhatsApp screen-sharing scam that could drain your bank account
Fraudsters pose as banks, the police and the Financial Conduct Authority (FCA) to hack accounts
Live desk update
Your web browser could be hijacked without you realising
Learn how unwanted software can take over your PC, the warning signs to look for according to our experts and how to keep your data safe
Live desk update
Recovery scams: what you need to know about them
Recovery scammers promise to recover stolen funds and hacked accounts
Live desk update
Your web browser could be hijacked without you realising
Learn how unwanted software can take over your PC, the warning signs to look for according to our experts and how to keep your data safe
Live desk update
Recovery scams: what you need to know about them
Recovery scammers promise to recover stolen funds and hacked accounts
Live desk update
Half a million savers face a tax bill over £2,000 — how to pay less
Rising rates and frozen thresholds mean more people are having to pay tax on their savings
Live desk update
Half a million savers face a tax bill over £2,000 — how to pay less
Rising rates and frozen thresholds mean more people are having to pay tax on their savings
Live desk update
David Atkins
David Atkins reginefredriks… Wed, 09/09/2026 - 16:44 Vulnerability Consultant Money Advice Trust
Live desk update
David Atkins
David Atkins reginefredriks… Wed, 09/09/2026 - 16:44 Vulnerability Consultant Money Advice Trust
Live desk update
Warning List addition logged: RUDIMENTAL24 INVESTITION
RUDIMENTAL24 INVESTITION is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Warning List addition logged: RUDIMENTAL24 INVESTITION
RUDIMENTAL24 INVESTITION is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Harrison Burns
Harrison Burns charlotte.raje… Wed, 09/09/2026 - 12:22 Analyst, Public Affairs UK Finance
Live desk update
Harrison Burns
Harrison Burns charlotte.raje… Wed, 09/09/2026 - 12:22 Analyst, Public Affairs UK Finance
Live desk update
Is there such a thing as 'healthier' bacon?
We analysed 57 pork bacon products, as well as plant and poultry versions to find out if you can make a 'healthier' choice
Live desk update
Is there such a thing as 'healthier' bacon?
We analysed 57 pork bacon products, as well as plant and poultry versions to find out if you can make a 'healthier' choice
Live desk update
Warning List addition logged: BitTrade Finance / bttfinancelimited.ltd / bittradefinancelimited.ltd
BitTrade Finance / bttfinancelimited.ltd / bittradefinancelimited.ltd is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Warning List addition logged: BitTrade Finance / bttfinancelimited.ltd / bittradefinancelimited.ltd
BitTrade Finance / bttfinancelimited.ltd / bittradefinancelimited.ltd is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Warning List addition logged: Finsbury Markets
Finsbury Markets is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Warning List addition logged: Finsbury Markets
Finsbury Markets is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
BitTrade Finance / bttfinancelimited.ltd / bittradefinancelimited.ltd
BitTrade Finance / bttfinancelimited.ltd / bittradefinancelimited.ltd is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
RUDIMENTAL24 INVESTITION
RUDIMENTAL24 INVESTITION is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Finsbury Markets
Finsbury Markets is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Are stick-on blinds, tiles and wall decals any good? We bought them to find out
From peel-and-stick wall decals to self-adhesive tiles and window blinds, Which? experts reveal their budget-friendly DIY decor tips and tricks
Live desk update
Are stick-on blinds, tiles and wall decals any good? We bought them to find out
From peel-and-stick wall decals to self-adhesive tiles and window blinds, Which? experts reveal their budget-friendly DIY decor tips and tricks
Live desk update
Scammers are thriving on Meta's social media platforms
Social media apps are at the centre of the fraud epidemic and many victims don't qualify for reimbursement, Which? warns
Live desk update
Scammers are thriving on Meta's social media platforms
Social media apps are at the centre of the fraud epidemic and many victims don't qualify for reimbursement, Which? warns
Live desk update
Warning List addition logged: GBP Markets
GBP Markets is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Warning List addition logged: GBP Markets
GBP Markets is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Warning List addition logged: Novatrust-asset
Novatrust-asset is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Warning List addition logged: Novatrust-asset
Novatrust-asset is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Live desk update
Devon taxi driver who bought Turkish flat and pizza oven using fraudulent Covid loans ordered to repay more than £60,000
Confiscation order for convicted fraudster
Live desk update
Devon taxi driver who bought Turkish flat and pizza oven using fraudulent Covid loans ordered to repay more than £60,000
Confiscation order for convicted fraudster
Live desk update
Warning List addition logged: International Securities & Financial Compliance Authority / shf-isfca.com (Clone of FCA registered firm)
International Securities & Financial Compliance Authority / shf-isfca.com (Clone of FCA registered firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why …
Warning List entry
International Securities & Financial Compliance Authority / shf-isfca.com (Clone of FCA registered firm)
International Securities & Financial Compliance Authority / shf-isfca.com (Clone of FCA registered firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of…
Warning List entry
GBP Markets
GBP Markets is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Novatrust-asset
Novatrust-asset is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
nevexglobal (clone of FCA Recognised fund)
nevexglobal (clone of FCA Recognised fund) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to protect yoursel…
Clone firm warning
Capital Zodiac
Capital Zodiac (Clone of FCA Authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to protect your…
Warning List entry
B-Investor / ExpertB LTD / Expert-B / https://b-investor.com/
B-Investor / ExpertB LTD / Expert-B / https://b-investor.com/ is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
VenturoFX
VenturoFX is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Clone firm warning
allenbygroup.com
allenbygroup.com (Clone of FCA Authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to protect yo…
Clone firm warning
investnestglobal
investnestglobal (clone of FCA authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to protect yo…
Warning List entry
FALCONSTOCKSMARKETS
FALCONSTOCKSMARKETS is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Ehamarkets
Ehamarkets is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Clone firm warning
societegen-private.com / privatewealth-socgen.co.uk / privatebank-socgen.com
societegen-private.com / privatewealth-socgen.co.uk / privatebank-socgen.com (Clone of FCA Authorised Firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary…
Warning List entry
UK Claims / https://ukclaims.org/
UK Claims / https://ukclaims.org/ is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Clone firm warning
investnestglobal.com
investnestglobal.com (clone of FCA authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to protec…
Warning List entry
EXOTICINVEST TRADING AND INVESTMENT FIRM
EXOTICINVEST TRADING AND INVESTMENT FIRM is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Bridge Marks Limited
Bridge Marks Limited is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Reflex-miner.com
Reflex-miner.com is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
The FBA Investor/@thefbainvestor
The FBA Investor/@thefbainvestor is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
claimsureltd.co.uk (clone of UK registered company)
claimsureltd.co.uk (clone of UK registered company) is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Clone firm warning
Flagstone Investment Management
Flagstone Investment Management (Clone of FCA authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and ho…
Warning List entry
aptcapital.live (Clone of FCA registered firm)
aptcapital.live (Clone of FCA registered firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to protect you…
Warning List entry
POLARIS CAPITAL CONSULTING GROUP
POLARIS CAPITAL CONSULTING GROUP is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Red Matter Capital Ltd
Red Matter Capital Ltd is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Alpha-Flow.ai
Alpha-Flow.ai is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Swift TradeX
Swift TradeX is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Aug 2026 · 76 entries
Clone firm warning
reclaim-experts.com
reclaim-experts.com (Clone of FCA Authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to protect…
Warning List entry
YieldVertex
YieldVertex is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
@NexatradexGold1
@NexatradexGold1 is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
@markets_fb41245
@markets_fb41245 is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
@ScarlettJoha3y0
@ScarlettJoha3y0 is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
@DanielRobe4uoo
@DanielRobe4uoo is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
@MrGoldman_CJ
@MrGoldman_CJ is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
@LilDaisyDuke55
@LilDaisyDuke55 is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
@Elitetrading0
@Elitetrading0 is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
@AiJokerFX
@AiJokerFX is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
@mallaxua
@mallaxua is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
@Metatrader_4off
@Metatrader_4off is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
@Goldtraderhakah
@Goldtraderhakah is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
@jessicafxgold
@jessicafxgold is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
@BubbleAnalytics
@BubbleAnalytics is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
FUNDEKTRIS
FUNDEKTRIS is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Cryptonaut Space / BloxxFX
Cryptonaut Space / BloxxFX is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
PAIRSMARKET
PAIRSMARKET is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Chainlink AI Trade
Chainlink AI Trade is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Autumn X Trade
Autumn X Trade is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
TITAN / titanslphan.cc
TITAN / titanslphan.cc is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
VandoeFX
VandoeFX is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Pro X Markets / ProXMarkets
Pro X Markets / ProXMarkets is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
mastertrdlmt.com (clone of FCA registered firm)
mastertrdlmt.com (clone of FCA registered firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to protect yo…
Warning List entry
SMART SELECT ONLINE TRADE
SMART SELECT ONLINE TRADE is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
GLEAM-CAPEX
GLEAM-CAPEX is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Propiteer Capital PLC
Propiteer Capital PLC is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Ledgerholm
Ledgerholm is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
chesterronlimited.com
chesterronlimited.com is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Invest Pro Trading / investprotrading.com
Invest Pro Trading / investprotrading.com is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
ExquisitenessDef / exquisitenessdef.org
ExquisitenessDef / exquisitenessdef.org is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
trustcapitalinv.ltd
trustcapitalinv.ltd is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
EliteTopsMove / elitetopsmove.com
EliteTopsMove / elitetopsmove.com is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
cairnloan.com / ellstream.co.uk (Clone of FCA authorised firms)
cairnloan.com / ellstream.co.uk (Clone of FCA authorised firms) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and h…
Warning List entry
Passionvest / Cryptoslite / passionvest.com
Passionvest / Cryptoslite / passionvest.com is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
choicefinanceuk.co.uk (Clone of FCA registered firm)
choicefinanceuk.co.uk (Clone of FCA registered firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to prote…
Warning List entry
MA-Management / Mercer Advisor Management / mmercera.info
MA-Management / Mercer Advisor Management / mmercera.info is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
ACRUXE GLOBAL LIMITED
ACRUXE GLOBAL LIMITED is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
MINTVERSE FINANCE GROUP
MINTVERSE FINANCE GROUP is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Clone firm warning
Gate Insure/gateinsure.co.uk
Gate Insure/gateinsure.co.uk (clone of FCA Authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how t…
Investigation
The same phone numbers keep coming back: how clone operations recycle contact details
We matched contact details across every clone entry in our Warning List archive. Numbers and email domains reappear under new firm names, which suggests a small number of operations behind many warnings.
Our reporting
Investigation
Inside a clone firm: three weeks on the receiving end of a boiler room
A reporter answered one cold call and kept answering. What followed was a scripted, twenty-day operation using the reference number of a genuinely authorised London firm — and a bank transfer request that arrived, politely, on day nine.
Our reporting
News report
Twenty firms added to the FCA Warning List in the week to 24 August, six of them clones
Our archive recorded twenty new or updated entries on the Financial Conduct Authority's Warning List over the past week. Six copied the identity of an authorised firm.
Our reporting
Warning List entry
LCP
LCP is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Investigation
Sixty seconds: the anatomy of a bank impersonation call, line by line
We transcribed a real impersonation call reported to our tip line and annotated every sentence. Almost all of the persuasion happens in the first fifteen seconds — before the caller has asked for anything at all.
Our reporting
News report
NCSC and partners expose "zero-click" phishing campaign aimed at Western organisations
The National Cyber Security Centre and international partners have attributed a phishing campaign requiring no user interaction to Russian state-supported actors. Consumer accounts are not the stated target.
Our reporting
Explainer
Where the money actually goes in the first ninety minutes
Follow a single stolen payment through the accounts it passes on the way out. The reason speed matters so much to your bank is that, after roughly ninety minutes, there is usually nothing left to recover.
Our reporting
Investigation
Thirty days of Warning List entries: what 214 records show about how fraud is sold in Britain now
We read every entry added to the FCA Warning List over the past month and coded each one. Fixed-return language dominates, domains are younger than ever, and one contact pattern appears in nearly a fifth of records.
Our reporting
News report
Regulator fines insurer over inaccurate compensation-scheme reporting
The Prudential Regulation Authority has fined an insurer more than four million pounds over inaccurate reporting of Financial Services Compensation Scheme liabilities. The penalty concerns reporting, not consumer losses.
Our reporting
Warning List entry
HURON FINANCIAL GROUP LLC
HURON FINANCIAL GROUP LLC is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Smart-ISA
Smart-ISA is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Cover Your Bubble Limited
Cover Your Bubble Limited is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Surecover Group Ltd
Surecover Group Ltd is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
Sygnum Global
Sygnum Global is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
www.keylinefinance.com
www.keylinefinance.com is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Clone firm warning
wealth-db.co.uk
wealth-db.co.uk (clone of FCA Authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to protect you…
Warning List entry
ADM-GROUP / ADM Group Ltd / ADM (Group) Limited
ADM-GROUP / ADM Group Ltd / ADM (Group) Limited is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Clone firm warning
Bond Rate Compare
Bond Rate Compare (clone of FCA Authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to protect y…
Warning List entry
Raliplen / Raliplen.co / Raliplen.com
Raliplen / Raliplen.co / Raliplen.com is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Clone firm warning
Yield Harbor
Yield Harbor (clone of FCA Authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to protect yourse…
Clone firm warning
Zenith Grow
Zenith Grow (Clone of FCA authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm and how to protect yoursel…
Clone firm warning
bondsmith.uk / savings.bondsmith.uk
bondsmith.uk / savings.bondsmith.uk (clone of FCA Authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK, claiming to be an authorised firm. Find out why you should be wary of dealing with this unauthorised firm an…
Warning List entry
Dufourbit / Dufourbit Pty Ltd
Dufourbit / Dufourbit Pty Ltd is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
finnova-limited.com / finnova-limited.org
finnova-limited.com / finnova-limited.org is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
Warning List entry
VrenKapstead
VrenKapstead is not authorised or registered by the FCA. Find out more about unauthorised firms and individuals.
News report
Bank Rate held at 3.75 per cent, and what that means for "fixed return" adverts
With Bank Rate unchanged at 3.75 per cent, advertised returns far above the best available savings rates remain the clearest marker of an unauthorised promotion.
Our reporting
News report
Late-summer holiday fraud follows the travel advice cycle
Fraudulent accommodation and flight listings track periods when official travel advice changes and travellers rebook at short notice. Payment method is the deciding factor in recovery.
Our reporting
Explainer
Reporting fraud: who to tell, in what order, and why the order matters
Your bank comes first because only it can attempt to freeze the receiving account. Action Fraud records the crime for policing purposes.
Our reporting
Explainer
How the Financial Ombudsman Service works, and when you can use it
The Ombudsman is free, independent and decides cases on what is fair and reasonable. You complain to the firm first.
Our reporting
Explainer
The reimbursement rules for APP fraud, in plain terms
Payment firms must assess most APP fraud claims within five business days and reimburse eligible customers. The rules set out narrow grounds for refusing.
Our reporting
Explainer
What an FCA Warning List entry does, and does not, mean
The Warning List records firms the FCA believes are operating without authorisation, or copying an authorised firm. Absence from it proves nothing.
Our reporting
Explainer
Clone firms: when the details are real but the firm contacting you is not
A clone uses an authorised firm's name and reference number with its own phone number, email address or website. The authorised firm is a victim too.
Our reporting
Explainer
What FCA authorisation actually means, and what it does not
Authorisation means a firm is permitted to carry out specified regulated activities. It is not a quality rating and it does not guarantee your money back.
Our reporting
Explainer
Impersonation scams: what a real bank, HMRC or police call never asks for
Impersonation calls work by creating a deadline. No genuine organisation asks you to move money to keep it safe.
Our reporting
Explainer
How an investment scam is actually run, from the first advert to the last payment
Most investment fraud follows the same six steps. Recognising the step you are on is more useful than trying to spot a fake website.
Our reporting
Explainer
What authorised push payment fraud is, and how it differs from card fraud
An authorised push payment happens when you are tricked into sending money yourself. Because you pressed send, the protections are different from those on a card payment.
Our reporting
Jul 2026 · 1 entry
Ombudsman decision
Bank told customer to move money to a "safe account" — complaint upheld
The ombudsman found the payments were markedly out of character for the account and that the bank's on-screen warning was generic rather than tailored to the safe-account scam being described. The bank was directed to reimburse the payments with interest.
Jun 2026 · 3 entries
Ombudsman decision
Clone firm bond: complaint partly upheld against the sending bank
The first payment carried enough hallmarks to require a human conversation; later payments did not add new red flags. The ombudsman split liability, finding the bank should have intervened at the first large transfer.
Rule, ruling or law
Expanded fraud data sharing between banks
Firms broadened direct sharing of indicators on accounts receiving scam payments, aimed at closing mule accounts faster.
Ombudsman decision
Crypto platform transfer: complaint not upheld
The ombudsman accepted the bank had questioned the payment, recorded the answers, and been given inaccurate information by the customer at the time. On the evidence, further intervention would not have changed the outcome.
May 2026 · 1 entry
Ombudsman decision
Conveyancing deposit sent to a hijacked email thread — upheld
The mismatch was displayed but not explained. The ombudsman found the bank's handling fell short of good industry practice for a payment of that size to a brand-new payee.
Apr 2026 · 2 entries
Ombudsman decision
Vulnerable customer, repeated cash withdrawals — upheld
The ombudsman found the pattern should have prompted a supported conversation under the bank's own vulnerability policy, and that the exception the bank sought to rely on was applied too widely.
Rule, ruling or law
Ombudsman award limits uprated for the new year
The maximum award the Financial Ombudsman Service can require a firm to pay was uprated, with the limit applied according to when the act complained about took place.
Mar 2026 · 1 entry
Ombudsman decision
Marketplace purchase paid by transfer — upheld
The ombudsman found no evidence the seller ever held the goods, and that the account receiving the money had been open for days. That made it a scam, not a civil dispute, and the claim fell inside the reimbursement rules.
Feb 2026 · 1 entry
Ombudsman decision
Romance fraud across two providers — partly upheld
Both firms had visibility of the pattern. The ombudsman found the receiving e-money firm had failed to act on clear mule indicators and apportioned redress between the two.
Jan 2026 · 1 entry
Ombudsman decision
Five-day decision deadline missed with no explanation — upheld
The ombudsman found the delay itself was a failing, ordered the claim reassessed on its merits, and awarded compensation for the handling.
Sept 2025 · 1 entry
Rule, ruling or law
Failure to prevent fraud offence in force
Large organisations became liable where an associated person commits fraud for their benefit and reasonable prevention procedures were not in place.
Oct 2024 · 1 entry
Rule, ruling or law
Mandatory APP fraud reimbursement begins
Reimbursement for authorised push payment fraud on Faster Payments became mandatory, with cost shared 50:50 between sending and receiving firms and a decision expected within five business days.
Oct 2023 · 1 entry
Rule, ruling or law
Online Safety Act includes fraudulent advertising duties
Large platforms and search services were given duties to prevent and remove fraudulent paid advertising.
Jul 2023 · 2 entries
Rule, ruling or law
Consumer Duty takes effect
Firms became subject to a duty to deliver good outcomes for retail customers, including in communications, support and complaint handling.
Rule, ruling or law
Supreme Court rules in Philipp v Barclays
The court held that a bank's duty to execute a customer's clear payment instruction is not displaced by a general duty to protect them from APP fraud, narrowing the so-called Quincecare route for authorised payments.
Mar 2020 · 1 entry
Rule, ruling or law
Confirmation of Payee rolled out
Banks began checking the payee name against the account before a transfer, showing a match, close-match or mismatch warning.
May 2019 · 1 entry
Rule, ruling or law
Contingent Reimbursement Model Code launched
A voluntary industry code set expectations for reimbursing victims of authorised push payment fraud, signed by some but not all banks.