David Hummerston

Reference number: 1052399

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Appointed representative

David Hummerston 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

BB Financial Solutions Ltd Reference number: 497128 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.
  • David Hummerston (FRN 1052399) is an AR of BB Financial Solutions Ltd (FRN 497128). When you use David Hummerston's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from David Hummerston, 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.

  • No website on the FCA register

  • Phone number

    07778 772926

  • Address

    44 Goffs Crescent, Goffs Oak, Waltham Cross, Hertfordshire, EN7 5JR, United Kingdom

In the full report: 2 background checks

  • What kind of line 07778 772926 is
  • Who else gives the postcode EN7 5JR
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Other names (1)

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

  • Crossbrook Consultants Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through BB Financial Solutions Ltd, 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

David Hummerston’s history from the FCA register and Companies House, newest first.

2026

28 February 2026

  • Became an appointed representative
  • Began trading as "Crossbrook Consultants"

FCA register

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

Firms like David Hummerston

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

In Waltham Cross

Craven Commercial Finance LimitedWaltham CrossAppointed representativeJake MortonWaltham CrossAppointed representativeNext Step Mortgage Solutions LtdWaltham CrossAppointed representativeStonehorse Finance LtdWaltham CrossAppointed representativeThickbroom Mortgages LLPWaltham CrossAppointed representativePlatinum Mortgage Services LimitedWaltham CrossAuthorised

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 David Hummerston

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

  • 2 background checks on its contact details
  • All 2 events in its history

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Frequently asked questions about this firm

Is David Hummerston FCA authorised?
David Hummerston (FRN 1052399) 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 David Hummerston?
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. David Hummerston (FRN 1052399) is an AR of BB Financial Solutions Ltd (FRN 497128). When you use David Hummerston's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from David Hummerston, 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 David Hummerston’s phone number?
The FCA register lists the phone number 07778 772926 for David Hummerston. If you were given different contact details, use these to check with the firm before going any further.
Is David Hummerston a scam or clone?
David Hummerston 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 David Hummerston?
Protection works through BB Financial Solutions Ltd, the principal firm responsible for David Hummerston's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does David Hummerston use any other names?
It trades as Crossbrook Consultants.

Sources and links

The full report on David Hummerston

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