Oliver Gardner

Reference number: 1031461

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Appointed representative

Oliver Gardner does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

Rural Finance Limited Reference number: 630701 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.
  • Oliver Gardner (FRN 1031461) is an AR of Rural Finance Limited (FRN 630701). When you use Oliver Gardner's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Oliver Gardner, 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

    07309 741807

  • Address

    Chasemoor, Baskerville Drive, Hindhead, Surrey, GU26 6GD, United Kingdom

In the full report: 2 background checks

  • What kind of line 07309 741807 is
  • Who else gives the postcode GU26 6GD
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Other names (1)

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

  • Oliver Gardner Finance Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Rural 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

Oliver Gardner’s history from the FCA register and Companies House, newest first.

2025

9 April 2025

  • Became an appointed representative
  • Began trading as "Oliver Gardner Finance"

FCA register

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

Firms like Oliver Gardner

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

In Hindhead

Hindhead Golf Club LimitedHindheadAuthorised

In the Guildford (GU) postcode area

Ashley PullingerFarnhamAppointed representativeChristopher ParrVirginia WaterAppointed representativeClaes AndreassonBagshotAppointed representativeDarren OldakerGuildfordAppointed representativeDavid GallacherGodalmingAppointed 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 Oliver Gardner

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

  • 2 background checks on its contact details
  • All 2 events in its history

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Frequently asked questions about this firm

Is Oliver Gardner FCA authorised?
Oliver Gardner (FRN 1031461) 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 Oliver Gardner?
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. Oliver Gardner (FRN 1031461) is an AR of Rural Finance Limited (FRN 630701). When you use Oliver Gardner's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Oliver Gardner, 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 Oliver Gardner’s phone number?
The FCA register lists the phone number 07309 741807 for Oliver Gardner. If you were given different contact details, use these to check with the firm before going any further.
Is Oliver Gardner a scam or clone?
Oliver Gardner 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 Oliver Gardner?
Protection works through Rural Finance Limited, the principal firm responsible for Oliver Gardner's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Oliver Gardner use any other names?
It trades as Oliver Gardner Finance.

Sources and links

The full report on Oliver Gardner

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