Harminder Phull

Reference number: 612888

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Appointed representative

Harminder Phull 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.
  • Harminder Phull (FRN 612888) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Harminder Phull's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Harminder Phull, 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.

  • Website

    scharpwm.co.uk

  • Phone number

    0113 244 4054

    Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.

  • Address

    SGP Accountants, Kingfisher House, 2 Kingfisher Way, Preston Farm Business Park, Stockton-On-Tees, County Durham, TS18 3EX, United Kingdom

In the full report: 3 background checks

  • When scharpwm.co.uk first appeared online, and whether it can receive email
  • What kind of line 0113 244 4054 is, and the 3 other firms that give it
  • Who else gives the postcode TS18 3EX
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Other names (3)

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

  • Hammy Phull Trading name
  • Scharp Wealth Management Trading name
  • Scharp Financial Associates Former trading name

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.

Key dates in its history

Harminder Phull’s history from the FCA register and Companies House, newest first.

Key events (1) All events (5)

2014

7 January 2014

  • Became an appointed representative

FCA register

In the full report: all 5 events

  • All 5 events in its history (1 shown here)
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Firms connected to Harminder Phull

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

connected firms
3
no longer authorised
1
share its phone number
3

In the full report: all 3 connected firms, named

  • How each is linked: the same phone number (3)
  • Who links each one: the named directors, with dates
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Firms like Harminder Phull

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

In Stockton-On-Tees

Adapt Financial Planning LimitedStockton-on-TeesAppointed representativeCourtfield Trading LtdStockton-on-TeesAppointed representativeFairfield Accountancy Services LtdStockton-On-TeesAppointed representativeGrainger Wealth Management LtdStockton-on-TeesAppointed representativeJacqueline HallStockton-On-TeesAppointed representativeJulie StephensonStockton-on-teesAppointed 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 Harminder Phull

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

  • 3 background checks on its contact details
  • All 5 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Harminder Phull FCA authorised?
Harminder Phull (FRN 612888) 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 Harminder Phull?
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. Harminder Phull (FRN 612888) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Harminder Phull's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Harminder Phull, 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 Harminder Phull’s phone number and website?
The FCA register lists the phone number 0113 244 4054 and the website scharpwm.co.uk for Harminder Phull. 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 3 other FCA firms, one of which is no longer authorised.
Is Harminder Phull a scam or clone?
Harminder Phull 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 Harminder Phull?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Harminder Phull's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Harminder Phull use any other names?
It trades as Hammy Phull and Scharp Wealth Management. It has previously used the name Scharp Financial Associates.

Sources and links

The full report on Harminder Phull

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