Oaklands School: FCA regulated?

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 3 years
Protected through the principal
No FCA actions
Active company since 1998
Accounts filed up to 31 August 2024

Responsible principal firm

Premium Credit Limited Reference number: 702718 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.
Oaklands School (FRN 993605) is an AR of Premium Credit Limited (FRN 702718). When you use Oaklands School's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Oaklands School, 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.

Website

oaklandsschool.co.uk (opens in a new tab)
Phone number

020 8508 3517
Address

6 Albion Hill, Loughton, Essex, IG10 4RA, United Kingdom

In the full report: 3 background checks

When oaklandsschool.co.uk first appeared online, and whether it can receive email
What kind of line 020 8508 3517 is
Who else gives the postcode IG10 4RA

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Premium Credit 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 name: OAKLANDS SCHOOL LIMITED
Company number: 03654053 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 21 October 1998 (28 years old)
Registered office: Matches the FCA register address ✓
Nature of business: Primary education (SIC 85200)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Madeline Ann Hagger	Director	Jul 1950	31 Dec 1998	5 other companies
Nicholas Osborne Hagger	Director	May 1939	31 Dec 1998	6 other companies
Matthew Hagger	Director	Oct 1974	20 May 2010	11 other companies
Matthew Hagger	Secretary	Not published	19 Oct 2017	–

Other companies run by these 3 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: 12
closed down: 2
run together: 5

In the full report: all 12 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration
The 5 companies these 3 directors run together
All 5 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 August 2024Full accountsAudited

Net assets

£608k

−22% from £775k

Cash at bank

£146

Down £15 from £161

Employees (average)

62

+1.6% from 61

Owed within a year

£2.14m

+31% from £1.64m

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2019 to 2024
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.

Accounts filed at Companies House for company 03654053. 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

Oaklands School’s history from the FCA register and Companies House, newest first.

Key events (3) All events (6)

2023

21 March 2023

Became an appointed representative

FCA register

2016

6 April 2016

Coopersale Hall School Limited took control (75–100% of shares)

Companies House

1998

21 October 1998

Incorporated at Companies House

Companies House

In the full report: all 6 events

All 6 events in its history (3 shown here)
Every director appointment and resignation: 3

Firms connected to Oaklands School

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

connected firms: 2
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: the same postcode (2)
Who links each one: the named directors, with dates

Firms like Oaklands School

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

In Loughton

Coopersale Hall School LimitedLoughtonAppointed representative Loughton V.e. LimitedLoughtonAppointed representative Anthony Edwards and Luke EdwardsLoughtonAuthorised Mr Max WilcoxLoughtonAuthorised

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 Oaklands School

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

12 other companies its directors have run, named
3 background checks on its contact details
6 years of accounts, charted
All 6 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Oaklands School FCA authorised?

Oaklands School (FRN 993605) 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 Oaklands School?

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. Oaklands School (FRN 993605) is an AR of Premium Credit Limited (FRN 702718). When you use Oaklands School's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Oaklands School, 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 Oaklands School’s phone number and website?

The FCA register lists the phone number 020 8508 3517 and the website oaklandsschool.co.uk for Oaklands School. If you were given different contact details, use these to check with the firm before going any further.

Is Oaklands School a scam or clone?

Oaklands School 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 Oaklands School?

Protection works through Premium Credit Limited, the principal firm responsible for Oaklands School's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Oaklands School?

Oaklands School is owned by Coopersale Hall School Limited, which holds 75–100% of shares and 75–100% of votes, since 6 April 2016.

Who runs Oaklands School?

Companies House lists 3 directors of Oaklands School: Madeline Ann Hagger, Nicholas Osborne Hagger and Matthew Hagger.

How long has Oaklands School been in business?

The company was formed on 21 October 1998.

What do Oaklands School’s latest accounts show?

Its latest accounts, to 31 August 2024, show net assets of £608k (−22% from £775k) and cash at bank of £146 (down £15 from £161).