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 6 years
- Protected through the principal
- No FCA actions
- Active company since 2020
- Accounts filed up to 31 March 2026
Responsible principal firm
The Right Mortgage Limited Reference number: 649443 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.
- N and J Health & Protection Ltd (FRN 933064) is an AR of The Right Mortgage Limited (FRN 649443). When you use N and J Health & Protection's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from N and J Health & Protection, 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
-
Address
23 Russell Avenue, Bedford, Bedfordshire, MK40 3TD, United Kingdom
In the full report: 2 background checks
- What kind of line 07530 166516 is
- Who else gives the postcode MK40 3TD
Other names (2)
If you were contacted under any of these names, it is this firm.
- fixmypmi.com Trading name: A name it trades under now.
- Vida Insurance Advisors Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through The Right Mortgage 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, 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
- 12657007 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 9 June 2020 (6 years old)
- Registered office
- 23 Russell Avenue, Bedford, Bedfordshire, MK40 3TD, United Kingdom
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Nicholas Meek | Director | Aug 1957 | 9 Jun 2020 | None |
| Janice Meek | Director | Jul 1961 | 23 Mar 2022 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
Filed accounts and finances
Total equity
£24.7k
+18% from £20.9k
Cash at bank
£33.5k
+8.3% from £31.0k
Employees (average)
2
Same as 2
Owed within a year
£9,100
−12% from £10.3k
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2021 to 2026
- The chart, over every year
- Every filed figure, year by year
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 12657007. 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
N and J Health & Protection’s history from the FCA register and Companies House, newest first.
2022
23 March 2022
- Janice Meek became a part-owner (25–50% of shares)
Companies House
2020
27 August 2020
- Became an appointed representative
FCA register
9 June 2020
- Incorporated at Companies House
- Nicholas Meek became a part-owner (25–50% of shares)
Companies House
In the full report: all 8 events
- All 8 events in its history (4 shown here)
- Every director appointment and resignation: 2
Firms like N and J Health & Protection
Other firms of the same type (insurance broker), nearest first.
In Bedford
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 N and J Health & Protection
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
- 6 years of accounts, charted
- All 8 events in its history
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is N and J Health & Protection Ltd FCA authorised?
What does appointed representative mean for N and J Health & Protection?
What is N and J Health & Protection’s phone number?
Is N and J Health & Protection a scam or clone?
Is my money safe with N and J Health & Protection?
Who owns N and J Health & Protection?
Who runs N and J Health & Protection?
How long has N and J Health & Protection been in business?
What do N and J Health & Protection’s latest accounts show?
Does N and J Health & Protection use any other names?
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