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 2 years
- Protected through the principal
- No FCA actions
- Active company since 2022
- Accounts filed up to 28 February 2025
- On its latest accounts it owed £187 more than it owned
Responsible principal firm
Cornerstone Finance Group Ltd Reference number: 767202 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.
- Jo Bates Mortgage Services Ltd (FRN 1014287) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use Jo Bates Mortgage Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Jo Bates Mortgage Services, 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
-
Address
42 Bank Street, Cannock, Staffordshire, WS12 2ET, United Kingdom
In the full report: 2 background checks
- What kind of line 07891 851642 is
- Who else gives the postcode WS12 2ET
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Cornerstone Finance Group 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
- 13944498 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 28 February 2022 (4 years old)
- Registered office
- 42 Bank Street Heath Hayes, Cannock, Staffordshire, WS12 2ET, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Joanne Bates | Director | Sep 1968 | 28 Feb 2022 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- Both people who have been directors, with their dates
Filed accounts and finances
Net assets
−£187
Down £189 from £2
Employees (average)
1
Up 1 from 0
Owed within a year
£5,253
No earlier figure to compare
Net assets are negative: on its last balance sheet the company owed £187 more than it owned.
Assets and liabilities
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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 13944498. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.
Key dates in its history
Jo Bates Mortgage Services’s history from the FCA register and Companies House, newest first.
2024
30 May 2024
- Became an appointed representative
FCA register
2022
31 December 2022
- Adrian Bates stopped being a part-owner
Companies House
28 February 2022
- Incorporated at Companies House
- Adrian Bates became a part-owner (25–50% of shares)
- Joanne Bates became a part-owner (25–50% of shares)
Companies House
In the full report: all 8 events
- All 8 events in its history (5 shown here)
- Every director appointment and resignation: 3
Firms like Jo Bates Mortgage Services
Other firms of the same type (mortgage adviser or broker), nearest first.
In Cannock
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 Jo Bates Mortgage Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details
- All 8 events in its history
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Frequently asked questions about this firm
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What do Jo Bates Mortgage Services’ latest accounts show?
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