David Smith Limited: FCA regulated?

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 1 year
Protected through the principal
No FCA actions

Responsible principal firm

Snap-on Finance UK Limited Reference number: 630814 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 SMITH LIMITED (FRN 1023764) is an AR of Snap-on Finance UK Limited (FRN 630814). When you use DAVID SMITH's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from DAVID SMITH, 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

07460 095169
Address

202 Telford Avenue, Stevenage, Hertfordshire, SG2 0AU, United Kingdom

In the full report: 2 background checks

What kind of line 07460 095169 is, and the other firm that gives it
Who else gives the postcode SG2 0AU

Other names (3)

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

Snap-on Trading name: A name it trades under now.
Snap-on Diagnostics Trading name: A name it trades under now.
Snap-on Tools Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Snap-on Finance UK 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

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

Key events (1) All events (4)

2024

6 December 2024

Became an appointed representative

FCA register

In the full report: all 4 events

All 4 events in its history (1 shown here)

Firms connected to David Smith

Other FCA-listed firms that share a director, phone number or address with David Smith. A link shows who the firm is tied to, not whether either can be trusted.

connected firm: 1
share its phone number: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: the same phone number (1), the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like David Smith

Other firms of the same type (credit broker), nearest first.

In Stevenage

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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 Smith

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 4 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is David Smith Limited FCA authorised?

David Smith Limited (FRN 1023764) 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 Smith?

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 Smith Limited (FRN 1023764) is an AR of Snap-on Finance UK Limited (FRN 630814). When you use David Smith's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from David Smith, 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 Smith’s phone number?

The FCA register lists the phone number 07460 095169 for David Smith. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.

Is David Smith a scam or clone?

David Smith 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 Smith?

Protection works through Snap-on Finance UK Limited, the principal firm responsible for David Smith's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Does David Smith use any other names?

It trades as Snap-on, Snap-on Diagnostics and Snap-on Tools.