Millstream Underwriting Ltd.

Reference number: 308584

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 nexusunderwriting.com first appeared online, and whether it can receive email
  • What kind of line 020 3011 5700 is, and the 6 other firms that give it
  • Who else gives the postcode EC3A 2EB
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Other names (3)

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

  • Millstream Global Flying Trading name
  • Millstream Online Trading name
  • StemCellCare Former trading name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (1)
  • +357 9573 8777
Fake email addresses (1)
  • info@fccair.com
Fake websites (1)
  • fccair.com
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 (5 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Dealing in investments as agent
  • Making arrangements with a view to transactions in investments

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.

The clone warnings above are scammers using this firm's name, not something the firm has done.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Concerns on the company record

  • Accounts are overdue at Companies House.
Company number
03896220
Company status
Active
Company type
Private limited company
Incorporated
17 December 1999 (26 years old)
Registered office
52-56 Leadenhall Street, London, EC3A 2EB, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Roberto Amati Director Feb 1982 5 Mar 2019 1 other company
Richard Neville Marriage Director May 1974 14 Jun 2023 3 other companies

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 companies
4
still active
4
are FCA-registered
2

In the full report: all 4 companies, 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 2 on the FCA register
  • All 14 people who have ever been directors, with their dates
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Key dates in its history

Millstream Underwriting’s history from the FCA register and Companies House, newest first.

Key events (6) All events (38)

2025

10 February 2025

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2016

6 April 2016

  • Mstream Ltd took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1999

17 December 1999

  • Incorporated at Companies House

Companies House

In the full report: all 38 events

  • All 38 events in its history (6 shown here)
  • Every director appointment and resignation: 26
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Firms connected to Millstream Underwriting

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

connected firms
6
share a director
2
share its phone number
6

In the full report: all 6 connected firms, named

  • How each is linked: shared directors (2), the same phone number (6), the same postcode (6)
  • Who links each one: the named directors, with dates
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Firms like Millstream Underwriting

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

In London

Amazon EU S.a.r.l.LondonAuthorisedRevolut Travel LtdLondonAuthorisedSantander Insurance Services UK LimitedLondonAuthorisedAon UK LimitedLondonAuthorisedHartford Underwriting Agency LimitedLondonAuthorisedChubb Underwriting Agencies LimitedLondonAuthorised

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 Millstream Underwriting

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 38 events in its history
  • 6 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Millstream Underwriting Ltd. FCA authorised?
Yes, Millstream Underwriting Ltd. (FRN 308584) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Millstream Underwriting’s phone number and website?
The FCA register lists the phone number 020 3011 5700 and the website nexusunderwriting.com/en-gb/industry/millstream for Millstream Underwriting. 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 6 other FCA firms.
Is Millstream Underwriting a scam or clone?
Scammers have impersonated Millstream Underwriting: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Millstream Underwriting, shown on this page.
Is my money safe with Millstream Underwriting?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Millstream Underwriting to the Financial Ombudsman Service, free of charge.
Who owns Millstream Underwriting?
Millstream Underwriting is owned by Mstream Ltd, which holds 75–100% of shares, since 6 April 2016.
Who runs Millstream Underwriting?
Companies House lists 2 directors of Millstream Underwriting: Roberto Amati and Richard Neville Marriage.
How long has Millstream Underwriting been in business?
The company was formed on 17 December 1999, and has held its current FCA authorisation since January 2005.
Does Millstream Underwriting use any other names?
It trades as Millstream Global Flying and Millstream Online. It has previously used the name StemCellCare.

Sources and links

The full report on Millstream Underwriting Ltd.

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