NJC Sales Ltd

Reference number: 592549

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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.

Responsible principal firm

HEALTH AND PROTECTION SOLUTIONS LIMITED Reference number: 308189 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.
  • NJC Sales Ltd (FRN 592549) is an AR of HEALTH AND PROTECTION SOLUTIONS LIMITED (FRN 308189). When you use NJC Sales's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from NJC Sales, 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 nchaps.co.uk first appeared online, and whether it can receive email
  • What kind of line 01283 248006 is
  • Who else gives the postcode DE1 1TJ
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Other names (2)

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

  • Nick Clarke Health & Protection Solutions Trading name
  • Mr Nicholas Clarke Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Health and Protection Solutions 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

NJC Sales’s history from the FCA register and Companies House, newest first.

2022

11 March 2022

  • Began trading as "Nick Clarke Health & Protection Solutions"

FCA register

2014

10 November 2014

  • Changed its registered name from "Mr Nicholas Clarke"

FCA register

2012

6 December 2012

  • Became an appointed representative

FCA register

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

Firms connected to NJC Sales

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like NJC Sales

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

In Derby

Affluence Financial Management Services LimitedDerbyAppointed representativeCompare Home Insurance LimitedDerbyAppointed representativeCreate FM LtdDerbyAppointed representativeDirect Finance Solutions LtdDerbyAppointed representativeFind The Right Mortgage LTDDerbyAppointed representativeFirst Choice Financial Services LimitedDerbyAppointed 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 NJC Sales

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
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is NJC Sales Ltd FCA authorised?
NJC Sales Ltd (FRN 592549) 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 NJC Sales?
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. NJC Sales Ltd (FRN 592549) is an AR of HEALTH AND PROTECTION SOLUTIONS LIMITED (FRN 308189). When you use NJC Sales's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from NJC Sales, 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 NJC Sales’ phone number and website?
The FCA register lists the phone number 01283 248006 and the website nchaps.co.uk for NJC Sales. If you were given different contact details, use these to check with the firm before going any further.
Is NJC Sales a scam or clone?
NJC Sales 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 NJC Sales?
Protection works through Health and Protection Solutions Limited, the principal firm responsible for NJC Sales's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does NJC Sales use any other names?
It trades as Nick Clarke Health & Protection Solutions. It has previously used the name Mr Nicholas Clarke.

Sources and links

The full report on NJC Sales Ltd

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