D & P Financial Services Ltd

Reference number: 437987

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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.

Responsible principal firm

Lakes Mortgages Limited Reference number: 605694 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.
  • D & P Financial Services Ltd (FRN 437987) is an AR of Lakes Mortgages Limited (FRN 605694). When you use D & P Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from D & P 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.

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 bovisfinancialsolutions.co.uk first appeared online, and whether it can receive email
  • What kind of line 07944 703220 is
  • Who else gives the postcode CT5 3DX
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Other names (1)

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

  • Bovis Financial Solutions Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Lakes Mortgages 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

D & P Financial Services’s history from the FCA register and Companies House, newest first.

2006

30 March 2006

  • Changed its registered name from "Bovis Financial Solutions Ltd"

FCA register

2005

19 August 2005

  • Became an appointed representative

FCA register

Firms like D & P Financial Services

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

In Whitstable

Marine Mortgages LtdWhitstableAppointed representativeMeridian Expat Mortgages LtdWhitstableAppointed representativeMHC Mortgage & Protection LtdWhitstableAppointed 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 D & P Financial Services

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

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Frequently asked questions about this firm

Is D & P Financial Services Ltd FCA authorised?
D & P Financial Services Ltd (FRN 437987) 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 D & P Financial Services?
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. D & P Financial Services Ltd (FRN 437987) is an AR of Lakes Mortgages Limited (FRN 605694). When you use D & P Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from D & P 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.
What is D & P Financial Services’ phone number and website?
The FCA register lists the phone number 07944 703220 and the website bovisfinancialsolutions.co.uk for D & P Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is D & P Financial Services a scam or clone?
D & P Financial Services 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 D & P Financial Services?
Protection works through Lakes Mortgages Limited, the principal firm responsible for D & P Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does D & P Financial Services use any other names?
It has previously used the name Bovis Financial Solutions Ltd.

Sources and links

The full report on D & P Financial Services Ltd

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