Joanne Margaret Pond

Reference number: 414823

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Appointed representative

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

Responsible principal firm

Openwork Limited Reference number: 408285 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.
  • Joanne Margaret Pond (FRN 414823) is an AR of Openwork Limited (FRN 408285). When you use Joanne Margaret Pond's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Joanne Margaret Pond, 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.

In the full report: 3 background checks

  • When pimb.co.uk first appeared online, and whether it can receive email
  • What kind of line 01752 349760 is
  • Who else gives the postcode PL5 3UG
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Other names (2)

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

  • P.I.M Financial Services Trading name
  • Premier Independent Mortgages Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Openwork 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

Joanne Margaret Pond’s history from the FCA register and Companies House, newest first.

2011

22 February 2011

  • Changed its registered name from "Premier Independent Mortgages Ltd"

FCA register

8 February 2011

  • Began trading as "P.I.M Financial Services"

FCA register

2004

16 November 2004

  • Became an appointed representative

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms like Joanne Margaret Pond

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

In Plymouth

Channel Financial Planning LimitedPlymouthAppointed representativeChristopher RichardsPlymouthAppointed representativeFletcher WallenPlymouthAppointed representativeFuel Accountancy Services LimitedPlymouthAppointed representativeGold Reflect LtdPlymouthAppointed representativeJames O'GallagherPlymouthAppointed 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 Joanne Margaret Pond

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 3 events in its history

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Frequently asked questions about this firm

Is Joanne Margaret Pond FCA authorised?
Joanne Margaret Pond (FRN 414823) 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 Joanne Margaret Pond?
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. Joanne Margaret Pond (FRN 414823) is an AR of Openwork Limited (FRN 408285). When you use Joanne Margaret Pond's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Joanne Margaret Pond, 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 Joanne Margaret Pond’s phone number and website?
The FCA register lists the phone number 01752 349760 and the website pimb.co.uk for Joanne Margaret Pond. If you were given different contact details, use these to check with the firm before going any further.
Is Joanne Margaret Pond a scam or clone?
Joanne Margaret Pond 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 Joanne Margaret Pond?
Protection works through Openwork Limited, the principal firm responsible for Joanne Margaret Pond's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Joanne Margaret Pond use any other names?
It trades as P.I.M Financial Services. It has previously used the name Premier Independent Mortgages Ltd.

Sources and links

The full report on Joanne Margaret Pond

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