Oak FS Ltd

Reference number: 1015779

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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

TMG Direct Limited Reference number: 786245 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.
  • OAK FS LTD (FRN 1015779) is an AR of TMG Direct Limited (FRN 786245). When you use OAK FS's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from OAK FS, 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

    07979 181707

  • Address

    35 Beckgrove Close, Cardiff, Cardiff, CF24 2SE, United Kingdom

In the full report: 2 background checks

  • What kind of line 07979 181707 is, and the other firm that gives it
  • Who else gives the postcode CF24 2SE
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Other names (1)

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

  • Oak Financial Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through TMG Direct 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.

Companies House record

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

Company number
15762655
Company status
Active
Company type
Private limited company
Incorporated
5 June 2024 (2 years old)
Registered office
35 Beckgrove Close, Cardiff, CF24 2SE, Wales
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Philip Patrick Gamblin Director Feb 1982 5 Jun 2024 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 May 2025Micro-entity accountsNot audited

Net assets

£3,503

No earlier figure to compare

Employees (average)

1

No earlier figure to compare

Owed within a year

£9,677

No earlier figure to compare

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 15762655. 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

Oak FS’s history from the FCA register and Companies House, newest first.

2024

18 June 2024

  • Became an appointed representative
  • Began trading as "Oak Financial"

FCA register

5 June 2024

  • Incorporated at Companies House
  • M Philip Patrick Gamblin took control (75–100% of shares)
  • Philip Patrick M Gamblin appointed as a director

Companies House

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

Firms connected to Oak FS

Other FCA-listed firms that share a director, phone number or address with Oak FS. 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 Oak FS

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

In Cardiff

Bocc Finance LimitedCardiffAppointed representativeCeltic Finance LtdCardiffAppointed representativeColin MorganCardiffAppointed representativeComplex Capital LimitedCardiffAppointed representativeDJC Financial Solutions LtdCardiffAppointed representativeEzra Finance LtdCardiffAppointed 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 Oak FS

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
  • All 5 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Oak FS Ltd FCA authorised?
Oak FS Ltd (FRN 1015779) 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 Oak FS?
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. Oak FS Ltd (FRN 1015779) is an AR of TMG Direct Limited (FRN 786245). When you use Oak FS's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Oak FS, 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 Oak FS’ phone number?
The FCA register lists the phone number 07979 181707 for Oak FS. 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 Oak FS a scam or clone?
Oak FS 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 Oak FS?
Protection works through TMG Direct Limited, the principal firm responsible for Oak FS's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Oak FS?
Companies House lists one person with significant control of Oak FS: M Philip Patrick Gamblin (75–100% of shares).
Who runs Oak FS?
Companies House lists one director of Oak FS: Philip Patrick Gamblin.
How long has Oak FS been in business?
The company was formed on 5 June 2024.
What do Oak FS’ latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £3,503 (no earlier figure to compare).
Does Oak FS use any other names?
It trades as Oak Financial.

Sources and links

The full report on Oak FS Ltd

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