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
Optimum Commercial Solutions Ltd Reference number: 808754 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.
- Jack Gear Commercial Ltd (FRN 1046409) is an AR of Optimum Commercial Solutions Ltd (FRN 808754). When you use Jack Gear Commercial's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Jack Gear Commercial, 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.
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No website on the FCA register
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Phone number
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Address
11 The Strand, Bude, Cornwall, EX23 8BD, United Kingdom
In the full report: 2 background checks
- What kind of line 07530 993733 is
- Who else gives the postcode EX23 8BD
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Optimum Commercial Solutions Ltd, 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
- 16730897 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 19 September 2025 (1 year old)
- Registered office
- 11 The Strand, Bude, Cornwall, EX23 8BD, United Kingdom
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Jack John Michael Gear | Director | Mar 1990 | 19 Sep 2025 | 2 other companies |
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 companies
- 2
- still active
- 2
- are FCA-registered
- 2
In the full report: all 2 companies, 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
- The 2 on the FCA register
Key dates in its history
Jack Gear Commercial’s history from the FCA register and Companies House, newest first.
2025
19 December 2025
- Became an appointed representative
FCA register
19 September 2025
- Incorporated at Companies House
- Jack John Michael Gear took control (75–100% of shares)
- Jack John Michael Gear appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Jack Gear Commercial
Other FCA-listed firms that share a director, phone number or address with Jack Gear Commercial. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 2
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: shared directors (2), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Jack Gear Commercial
Other firms of the same type (credit broker), nearest first.
In Bude
In the Exeter (EX) postcode area
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 Jack Gear Commercial
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 2 other companies its directors have run, named
- 2 background checks on its contact details
- All 4 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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How long has Jack Gear Commercial 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