Andrew Oakes

Reference number: 536508

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Appointed representative

Andrew Oakes does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

Personal Touch Financial Services Limited Reference number: 187834 Authorised View firm →
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.
  • Andrew Oakes (FRN 536508) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Andrew Oakes's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Andrew Oakes, 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.

Website, phone number and address

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.

In the full report: 3 background checks

  • When rscfmdirect.co.uk first appeared online, and whether it can receive email
  • What kind of line 01625 541158 is
  • Who else gives the postcode SK10 4RJ
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • RSC Financial Management Direct Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Personal Touch Financial Services 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 Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Key dates in its history

Andrew Oakes’s history from the FCA register and Companies House, newest first.

2013

11 February 2013

  • Changed its registered name from "RSC Financial Management Direct"
  • Began trading as "RSC Financial Management Direct"

FCA register

2010

24 November 2010

  • Became an appointed representative

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms like Andrew Oakes

Other firms of the same type (mortgage adviser or broker), nearest first.

In Macclesfield

Cheshire Mortgage CentreMacclesfieldAppointed representativeCheshire Mortgage Solutions LtdMacclesfieldAppointed representativeGecko Mortgage Brokers LtdMacclesfieldAppointed representativeMarquis Financial Services LimitedMacclesfieldAppointed representativeOptimise Money Group LimitedMacclesfieldAppointed representativeRH Finance LtdMacclesfieldAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Andrew Oakes

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 3 background checks on its contact details
  • All 3 events in its history

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Frequently asked questions about this firm

Is Andrew Oakes FCA authorised?
Andrew Oakes (FRN 536508) 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 Andrew Oakes?
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. Andrew Oakes (FRN 536508) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Andrew Oakes's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Andrew Oakes, 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.
What is Andrew Oakes’ phone number and website?
The FCA register lists the phone number 01625 541158 and the website rscfmdirect.co.uk for Andrew Oakes. If you were given different contact details, use these to check with the firm before going any further.
Is Andrew Oakes a scam or clone?
Andrew Oakes is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Andrew Oakes?
Protection works through Personal Touch Financial Services Limited, the principal firm responsible for Andrew Oakes's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Andrew Oakes use any other names?
It trades as RSC Financial Management Direct.

Sources and links

The full report on Andrew Oakes

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