Joanne Pay

Reference number: 1014198

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Appointed representative

Joanne Pay 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

Mortgage Saving Experts Limited Reference number: 779662 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 Pay (FRN 1014198) is an AR of Mortgage Saving Experts Limited (FRN 779662). When you use Joanne Pay's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Joanne Pay, 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

    07825 076949

  • Address

    26 Laburnum Avenue, Sandwich, Kent, CT13 0AY, United Kingdom

In the full report: 2 background checks

  • What kind of line 07825 076949 is, and the other firm that gives it
  • Who else gives the postcode CT13 0AY
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Other names (1)

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

  • Joanne Pay Mortgage & Protection Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Saving Experts 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 Pay’s history from the FCA register and Companies House, newest first.

2024

5 July 2024

  • Became an appointed representative
  • Began trading as "Joanne Pay Mortgage & Protection"

FCA register

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

Firms connected to Joanne Pay

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

connected firm
1
share its phone number
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Joanne Pay

Other firms of the same type (mortgage adviser or broker), nearest first.

In Sandwich

Elysian Trust Financial LTDSandwichAppointed representative

In the Canterbury (CT) postcode area

Acorn Financial Services (South East) LtdRamsgateAppointed representativeABK Mortgages LtdBirchingtonAppointed representativeAlan GreeninHerne BayAppointed representativeAlicia Baker Consultancy LtdFolkestoneAppointed representativeArron KerrFolkestoneAppointed 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 Pay

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

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Frequently asked questions about this firm

Is Joanne Pay FCA authorised?
Joanne Pay (FRN 1014198) 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 Pay?
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 Pay (FRN 1014198) is an AR of Mortgage Saving Experts Limited (FRN 779662). When you use Joanne Pay's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Joanne Pay, 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 Pay’s phone number?
The FCA register lists the phone number 07825 076949 for Joanne Pay. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Joanne Pay a scam or clone?
Joanne Pay 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 Pay?
Protection works through Mortgage Saving Experts Limited, the principal firm responsible for Joanne Pay's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Joanne Pay use any other names?
It trades as Joanne Pay Mortgage & Protection.

Sources and links

The full report on Joanne Pay

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