Charleston Financial Services Limited
Reference number: 1062580
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Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for under a year
- Protected through the principal
- No FCA actions
- Active company since 2009
- Accounts filed up to 31 October 2023
Responsible principal firm
PIVOTAL FINANCIAL LIMITED Reference number: 665649 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.
- Charleston Financial Services Limited (FRN 1062580) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use Charleston Financial Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Charleston Financial Services, 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.
This company holds another FCA record
A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.
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.
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Phone number
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Address
Charleston Financial Services Ltd, 9 Copperhouse Court, Caldecotte, Milton Keynes, Milton Keynes, MK7 8NL, United Kingdom
In the full report: 3 background checks
- When charleston.co.uk first appeared online, and whether it can receive email
- What kind of line 01908 597811 is
- Who else gives the postcode MK7 8NL
Other names (2)
If you were contacted under any of these names, it is this firm.
- charleston.co.uk Trading name: A name it trades under now.
- hmomortgages.co.uk Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Pivotal Financial 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, freeYou 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.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 07038315 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 12 October 2009 (17 years old)
- Registered office
- 9 Copperhouse Court, Milton Keynes, MK7 8NL, England
- Nature of business
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- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| James Hardwick | Director | Mar 1983 | 12 Oct 2009 | 4 other companies |
| Jeremy Paul Gibson | Director | May 1973 | 26 Jul 2024 | 87 other companies |
| Mayank Prakash | Director | Jan 1973 | 21 Oct 2025 | 57 other companies |
Other companies run by these 3 directors
A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.
- other companies
- 96
- closed down
- 20
- went insolvent
- 1
In the full report: all 96 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- The one that went into liquidation or administration
- The 37 on the FCA register, including one no longer authorised
- The 52 companies these 3 directors run together
- All 8 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£695k
−18% from £846k
Cash at bank
£447k
−29% from £631k
Employees (average)
20
−4.8% from 21
Owed within a year
£479k
+61% from £298k
Assets and liabilities
In the full report: all 5 years of accounts
- Every year from 2019 to 2023
- The chart, over every year
- Every filed figure, year by year
About these figures
- Turnover
- Money taken from sales in the year, before any costs.
- Profit before tax
- What was left after the year’s costs, before corporation tax. A minus figure is a loss.
- Net assets, or total equity
- Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
- Total assets and total liabilities
- Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
- Cash at bank
- Money in the company’s accounts on the last day of the year.
- Owed within a year, owed after a year
- Debts and bills due in the next twelve months, and those due later.
Accounts filed at Companies House for company 07038315. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.
Key dates in its history
Charleston Financial Services’s history from the FCA register and Companies House, newest first.
2026
28 September 2026
- Became an appointed representative
FCA register
2024
26 July 2024
- James Douglas Hardwick gave up control
- Pivotal Growth Limited took control (75–100% of shares)
Companies House
2016
6 April 2016
- James Douglas Hardwick took control (75–100% of shares)
Companies House
2009
12 October 2009
- Incorporated at Companies House
Companies House
In the full report: all 20 events
- All 20 events in its history (5 shown here)
- Every director appointment and resignation: 13
Firms connected to Charleston Financial Services
Other FCA-listed firms that share a director, phone number or address with Charleston Financial Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Charleston Financial Services
Other firms of the same type (insurance broker), nearest first.
In Milton Keynes
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 Charleston Financial Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 96 other companies its directors have run, named
- 3 background checks on its contact details
- 5 years of accounts, charted
- All 20 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Charleston Financial Services Limited FCA authorised?
What does appointed representative mean for Charleston Financial Services?
What is Charleston Financial Services’ phone number and website?
Is Charleston Financial Services a scam or clone?
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Who owns Charleston Financial Services?
Who runs Charleston Financial Services?
How long has Charleston Financial Services been in business?
What do Charleston Financial Services’ latest accounts show?
Does Charleston Financial Services use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk