Neil Fletcher

Reference number: 1062656

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Introducer appointed representative

Neil Fletcher can only introduce you to their principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Jigsaw Finance Limited Reference number: 679612 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Neil Fletcher (FRN 1062656) introduces customers to Jigsaw Finance Limited (FRN 679612). Any regulated advice or arranging is done by the principal, not Neil Fletcher.
  • Example: if Neil Fletcher refers you to a financial adviser, the advice should come from the principal firm, not from Neil Fletcher itself.
  • 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 penninecarsales.co.uk first appeared online, and whether it can receive email
  • What kind of line 07917 004363 is
  • Who else gives the postcode WF8 2ST
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Other names (1)

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

  • Pennine Car Sales Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Jigsaw Finance 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

Neil Fletcher’s history from the FCA register and Companies House, newest first.

2026

25 August 2026

  • Became an introducer appointed representative
  • Began trading as "Pennine Car Sales"

FCA register

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

Firms like Neil Fletcher

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

In Pontefract

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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 Neil Fletcher

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 2 events in its history

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Frequently asked questions about this firm

Is Neil Fletcher FCA authorised?
Neil Fletcher (FRN 1062656) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Neil Fletcher?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Neil Fletcher (FRN 1062656) introduces customers to Jigsaw Finance Limited (FRN 679612). Any regulated advice or arranging is done by the principal, not Neil Fletcher. Example: if Neil Fletcher refers you to a financial adviser, the advice should come from the principal firm, not from Neil Fletcher itself. 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 Neil Fletcher’s phone number and website?
The FCA register lists the phone number 07917 004363 and the website penninecarsales.co.uk for Neil Fletcher. If you were given different contact details, use these to check with the firm before going any further.
Is Neil Fletcher a scam or clone?
Neil Fletcher 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 Neil Fletcher?
Protection works through Jigsaw Finance Limited, the principal firm responsible for Neil Fletcher's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Neil Fletcher use any other names?
It trades as Pennine Car Sales.

Sources and links

The full report on Neil Fletcher

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