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
Sesame Limited Reference number: 150427 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.
- Gearstone Financial Limited (FRN 1048448) is an AR of Sesame Limited (FRN 150427). When you use Gearstone Financial's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Gearstone Financial, 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
-
Address
10 Croft Crescent, Yarpole, Leominster, Herefordshire, County Of, HR6 0BH, United Kingdom
In the full report: 2 background checks
- What kind of line 07577 090529 is
- Who else gives the postcode HR6 0BH
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Sesame 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, freeYou 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
- 16766745 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 October 2025 (1 year old)
- Registered office
- 195-197 Whiteladies Road, Bristol, BS8 2SB, United Kingdom
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Oscar Michael Morris | Director | Jan 1997 | 6 Oct 2025 | 1 other company |
Other companies run by its director
A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.
- other company
- 1
- closed down
- 1
In the full report: all 1 company, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
Key dates in its history
Gearstone Financial’s history from the FCA register and Companies House, newest first.
2026
22 January 2026
- Became an appointed representative
FCA register
2025
6 October 2025
- Incorporated at Companies House
- Oscar Michael Morris took control (75–100% of shares)
- Oscar Michael Morris appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Gearstone Financial
Other firms of the same type (insurance broker), nearest first.
In Leominster
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 Gearstone Financial
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 2 background checks on its contact details
- All 4 events in its history
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Gearstone Financial Limited FCA authorised?
What does appointed representative mean for Gearstone Financial?
What is Gearstone Financial’s phone number?
Is Gearstone Financial a scam or clone?
Is my money safe with Gearstone Financial?
Who owns Gearstone Financial?
Who runs Gearstone Financial?
How long has Gearstone Financial been in business?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk