Gema Davidson-Fernandez

Reference number: 944830

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Appointed representative

Gema Davidson-Fernandez 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

The On-Line Partnership Limited Reference number: 192638 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.
  • Gema Davidson-Fernandez (FRN 944830) is an AR of The On-Line Partnership Limited (FRN 192638). When you use Gema Davidson-Fernandez's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Gema Davidson-Fernandez, 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

    07943 673651

  • Address

    4 Littlehaven Lane, Horsham, West Sussex, RH12 4JA, United Kingdom

In the full report: 2 background checks

  • What kind of line 07943 673651 is
  • Who else gives the postcode RH12 4JA
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Other names (1)

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

  • Haven Mortgage Solutions Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The On-Line Partnership 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

Gema Davidson-Fernandez’s history from the FCA register and Companies House, newest first.

2021

12 February 2021

  • Became an appointed representative
  • Began trading as "Haven Mortgage Solutions"

FCA register

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

Firms like Gema Davidson-Fernandez

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

In Horsham

Georgios BillisHorshamAppointed representativeIn Partnership Financial Advisers LimitedHorshamAppointed representativeJennifer BoulterHorshamAppointed representativeMarespand Finance LimitedHorshamAppointed representativeSteven KnightHorshamAppointed representativeTalentro LimitedHorshamAppointed 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 Gema Davidson-Fernandez

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 Gema Davidson-Fernandez FCA authorised?
Gema Davidson-Fernandez (FRN 944830) 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 Gema Davidson-Fernandez?
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. Gema Davidson-Fernandez (FRN 944830) is an AR of The On-Line Partnership Limited (FRN 192638). When you use Gema Davidson-Fernandez's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Gema Davidson-Fernandez, 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 Gema Davidson-Fernandez’s phone number?
The FCA register lists the phone number 07943 673651 for Gema Davidson-Fernandez. If you were given different contact details, use these to check with the firm before going any further.
Is Gema Davidson-Fernandez a scam or clone?
Gema Davidson-Fernandez 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 Gema Davidson-Fernandez?
Protection works through The On-Line Partnership Limited, the principal firm responsible for Gema Davidson-Fernandez's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Gema Davidson-Fernandez use any other names?
It trades as Haven Mortgage Solutions.

Sources and links

The full report on Gema Davidson-Fernandez

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