Derek Howard

Reference number: 439391

Instant download

Appointed representative

Derek Howard 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

St. James's Place Wealth Management Plc Reference number: 195351 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.
  • Derek Howard (FRN 439391) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Derek Howard's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Derek Howard, 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

    01635 582424

  • Address

    Millstream Cottage, The Old Sawmill, Kilmington, Wiltshire, BA12 6RA, United Kingdom

In the full report: 2 background checks

  • What kind of line 01635 582424 is, and the 6 other firms that give it
  • Who else gives the postcode BA12 6RA
Instant PDF download

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through St. James's Place Wealth Management PLC, 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.

Firms connected to Derek Howard

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

connected firms
6
share its phone number
6

In the full report: all 6 connected firms, named

  • How each is linked: the same phone number (6)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Derek Howard

Other firms of the same type (financial adviser), nearest first.

In the Bath (BA) postcode area

Accord International Planning LtdBathAppointed representativeAlpha House Wealth Management LimitedBathAppointed representativeBarlow & Bartlett Wealth ManagementBathAppointed representativeBath & West Wealth Management LtdBathAppointed representativeBenjamin WarrenWellsAppointed representativeChalice Financial Planning LimitedGlastonburyAppointed 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 Derek Howard

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
  • 6 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Derek Howard FCA authorised?
Derek Howard (FRN 439391) 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 Derek Howard?
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. Derek Howard (FRN 439391) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Derek Howard's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Derek Howard, 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 Derek Howard’s phone number?
The FCA register lists the phone number 01635 582424 for Derek Howard. 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 6 other FCA firms.
Is Derek Howard a scam or clone?
Derek Howard 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 Derek Howard?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Derek Howard's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Sources and links

The full report on Derek Howard

£19.99 · Instant PDF download

Loading secure checkout…