James Carter: FCA regulated?

Appointed representative

James Carter does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Appointed for 17 years
Protected through the principal
No FCA actions

Responsible principal firm

Quilter Financial Services Limited Reference number: 440703 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.
James Carter (FRN 500287) is an AR of Quilter Financial Services Limited (FRN 440703). When you use James Carter's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from James Carter, 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

07861 223397
Address

74 Rayne Road, Braintree, Essex, CM7 2QP, United Kingdom

In the full report: 2 background checks

What kind of line 07861 223397 is
Who else gives the postcode CM7 2QP

Other names (2)

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

Financial Matters Former trading name: A name it used to trade under.
The Mortgage Shop Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Quilter Financial Services 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

James Carter’s history from the FCA register and Companies House, newest first.

Key events (1) All events (5)

2009

30 April 2009

Became an appointed representative

FCA register

In the full report: all 5 events

All 5 events in its history (1 shown here)

Firms connected to James Carter

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

connected firm: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like James Carter

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

In Braintree

Clarity Financial Planning LimitedBraintreeAppointed representative Dawn SharmanBraintreeAppointed representative Lucy GoodwynBraintreeAppointed representative Oculus Wealth Management (City) LimitedBraintreeAppointed representative Paul Davis Financial Planning LtdBraintreeAppointed representative Ray BuggBraintreeAppointed 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 James Carter

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 5 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is James Carter FCA authorised?

James Carter (FRN 500287) 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 James Carter?

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. James Carter (FRN 500287) is an AR of Quilter Financial Services Limited (FRN 440703). When you use James Carter's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from James Carter, 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 James Carter’s phone number?

The FCA register lists the phone number 07861 223397 for James Carter. If you were given different contact details, use these to check with the firm before going any further.

Is James Carter a scam or clone?

James Carter 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 James Carter?

Protection works through Quilter Financial Services Limited, the principal firm responsible for James Carter's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Does James Carter use any other names?

It has previously used 2 other names: Financial Matters and The Mortgage Shop.