Cheltenham Trade Commercials Limited

Reference number: 1054046

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Introducer appointed representative

This firm can only introduce you to its 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.
  • Cheltenham Trade Commercials Limited (FRN 1054046) introduces customers to LowRateCarFinance Limited (FRN 963856). Any regulated advice or arranging is done by the principal, not Cheltenham Trade Commercials.
  • Example: if Cheltenham Trade Commercials refers you to a financial adviser, the advice should come from the principal firm, not from Cheltenham Trade Commercials 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.

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 ctcommercials.co.uk first appeared online, and whether it can receive email
  • What kind of line 07950 698397 is
  • Who else gives the postcode GL7 2PY
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FCA permissions and consumer protection

  • 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 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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
16880880
Company status
Active
Company type
Private limited company
Incorporated
28 November 2025 (less than a year old)
Registered office
Waterloo House, 18 The Waterloo, Cirencester, GL7 2PY, England
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)

Directors and company secretaries

Name Role Born Appointed Other companies
Joanne Kate Hall Director Apr 1982 28 Nov 2025 None
John Raymond Prosser Director Feb 1969 28 Nov 2025 None
Gavin Robert Veale Director Oct 1978 28 Nov 2025 None
Lisa Marlane Veale Director Oct 1975 28 Nov 2025 None

In the full report: every company its directors have run

  • Confirmation that these 4 directors run no other company
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Key dates in its history

Cheltenham Trade Commercials’s history from the FCA register and Companies House, newest first.

Key events (2) All events (6)

2026

16 April 2026

  • Became an introducer appointed representative

FCA register

2025

28 November 2025

  • Incorporated at Companies House

Companies House

In the full report: all 6 events

  • All 6 events in its history (2 shown here)
  • Every director appointment and resignation: 4
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Firms like Cheltenham Trade Commercials

Other firms of the same type (car dealer), nearest first.

In Cirencester

Ben Mitchell LtdCirencesterAppointed representativeA J Wadland LimitedCirencesterAuthorisedCTL Motor Company LtdCirencesterAuthorisedSteve Harding CarsCirencesterAuthorised

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 Cheltenham Trade Commercials

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • All 6 events in its history

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Frequently asked questions about this firm

Is Cheltenham Trade Commercials Limited FCA authorised?
Cheltenham Trade Commercials Limited (FRN 1054046) 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 Cheltenham Trade Commercials?
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. Cheltenham Trade Commercials Limited (FRN 1054046) introduces customers to LowRateCarFinance Limited (FRN 963856). Any regulated advice or arranging is done by the principal, not Cheltenham Trade Commercials. Example: if Cheltenham Trade Commercials refers you to a financial adviser, the advice should come from the principal firm, not from Cheltenham Trade Commercials 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.
What is Cheltenham Trade Commercials’ phone number and website?
The FCA register lists the phone number 07950 698397 and the website Ctcommercials.co.uK for Cheltenham Trade Commercials. If you were given different contact details, use these to check with the firm before going any further.
Is Cheltenham Trade Commercials a scam or clone?
Cheltenham Trade Commercials 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 Cheltenham Trade Commercials?
Protection works through LowRateCarFinance Limited, the principal firm responsible for Cheltenham Trade Commercials's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who runs Cheltenham Trade Commercials?
Companies House lists 4 directors of Cheltenham Trade Commercials: Joanne Kate Hall, John Raymond Prosser, Gavin Robert Veale and Lisa Marlane Veale.
How long has Cheltenham Trade Commercials been in business?
The company was formed on 28 November 2025.

Sources and links

The full report on Cheltenham Trade Commercials Limited

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