JM Richards Cycles: FCA regulated?

Authorised by the FCA

JM Richards Cycles is on the FCA register and authorised to carry out regulated activities.

Authorised for 4 years
Complaints covered by the Ombudsman
No FCA actions

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

jmrichardscycles.co.uk (opens in a new tab)
Phone number

01738 626860
Address

44 George Street, Perth, PH1 5JL, United Kingdom

In the full report: 3 background checks

When jmrichardscycles.co.uk first appeared online, and whether it can receive email
What kind of line 01738 626860 is
Who else gives the postcode PH1 5JL

FCA permissions and consumer protection

Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (1 permission)

Credit Broking

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

JM Richards Cycles’s history from the FCA register and Companies House, newest first.

Key events (2) All events (5)

2022

30 August 2022

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

In the full report: all 5 events

All 5 events in its history (2 shown here)

Firms connected to JM Richards Cycles

Other FCA-listed firms that share a director, phone number or address with JM Richards Cycles. 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 JM Richards Cycles

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

In Perth

Gary Edward CoffeyPerthAuthorised Wilks BrothersPerthAuthorised GS Gas ServicesPerthAppointed representative James McColePerthAppointed representative Jeffrey GriffithsPerthAppointed representative Positive Asset Finance LtdPerthAppointed 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 JM Richards Cycles

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
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is JM Richards Cycles FCA authorised?

Yes, JM Richards Cycles (FRN 949390) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2022 and works as a credit broker. The FCA has placed no limits on its permissions.

What is JM Richards Cycles’ phone number and website?

The FCA register lists the phone number 01738 626860 and the website jmrichardscycles.co.uk for JM Richards Cycles. If you were given different contact details, use these to check with the firm before going any further.

Is JM Richards Cycles a scam or clone?

JM Richards Cycles 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 JM Richards Cycles?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how JM Richards Cycles handles your money, so check the specific product before you commit. You can also refer complaints about JM Richards Cycles to the Financial Ombudsman Service, free of charge.