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.
- Appointed for 5 years
- Protected through the principal
- No FCA actions
- Active company since 2021
- Accounts filed up to 31 March 2025
Responsible principal firm
JLM MORTGAGE NETWORK LTD Reference number: 300629 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.
- JLM Protection Limited (FRN 953591) is an AR of JLM MORTGAGE NETWORK LTD (FRN 300629). When you use JLM Protection's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from JLM Protection, 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
21A Churchyard, Hitchin, Hertfordshire, SG5 1HP, United Kingdom
In the full report: 2 background checks
- What kind of line 01462 455655 is, and the 6 other firms that give it
- Who else gives the postcode SG5 1HP
Other names (2)
If you were contacted under any of these names, it is this firm.
- JLM Mortgage Services Trading name: A name it trades under now.
- JLM RJSM LTD Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Jlm Mortgage Network 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
- 13397168 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 May 2021 (5 years old)
- Registered office
- 122 Whinbush Road, Hitchin, SG5 1PN, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Rory Rajan Joseph | Director | Dec 1971 | 14 May 2021 | None |
| Sebastian Allen Murphy | Director | Aug 1974 | 14 May 2021 | 1 other company |
Other companies run by these 2 directors
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
- still active
- 1
- is FCA-registered
- 1
In the full report: all 1 company, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
Filed accounts and finances
Net assets
£2
Same as £2
Cash at bank
£2
Same as £2
Employees (average)
0
Same as 0
These accounts were filed as dormant: the company reported no significant trading in the period.
Net assets
In the full report: all 4 years of accounts
- Every year from 2022 to 2025
- The chart, over every year
- Every filed figure, year by year
About these figures
- Turnover
- Money taken from sales in the year, before any costs.
- Profit before tax
- What was left after the year’s costs, before corporation tax. A minus figure is a loss.
- Net assets, or total equity
- Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
- Total assets and total liabilities
- Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
- Cash at bank
- Money in the company’s accounts on the last day of the year.
- Owed within a year, owed after a year
- Debts and bills due in the next twelve months, and those due later.
Accounts filed at Companies House for company 13397168. Figures are exactly as filed; nothing is estimated.
Key dates in its history
JLM Protection’s history from the FCA register and Companies House, newest first.
2024
17 June 2024
- Charlie Puffin Wealth Limited took control (75–100% of shares)
Companies House
14 June 2024
- Rory Rajan Joseph stopped being a part-owner
- Sebastian Allen Murphy stopped being a part-owner
Companies House
9 April 2024
- Changed its registered name from "JLM RJSM LTD"
FCA register
2021
24 June 2021
- Became an appointed representative
FCA register
14 May 2021
- Incorporated at Companies House
- Rory Rajan Joseph became a part-owner (25–50% of shares)
- Sebastian Allen Murphy became a part-owner (25–50% of shares)
Companies House
In the full report: all 11 events
- All 11 events in its history (8 shown here)
- Every director appointment and resignation: 2
Firms connected to JLM Protection
Other FCA-listed firms that share a director, phone number or address with JLM Protection. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 8
- no longer authorised
- 1
- share a director
- 1
In the full report: all 8 connected firms, named
- How each is linked: shared directors (1), the same phone number (6), the same postcode (4)
- Who links each one: the named directors, with dates
Firms like JLM Protection
Other firms of the same type (mortgage adviser or broker), nearest first.
In Hitchin
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 JLM Protection
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
- 4 years of accounts, charted
- All 11 events in its history
- 8 connected firms, named, and who links them
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is JLM Protection Limited FCA authorised?
What does appointed representative mean for JLM Protection?
What is JLM Protection’s phone number?
Is JLM Protection a scam or clone?
Is my money safe with JLM Protection?
Who owns JLM Protection?
Who runs JLM Protection?
How long has JLM Protection been in business?
What do JLM Protection’s latest accounts show?
Does JLM Protection use any other names?
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