P D A Palmer, J J P Dawson, M R Cliff & E J Readman

Reference number: 407934

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Appointed representative

P D A Palmer, J J P Dawson, M R Cliff & E J Readman 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

NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY LIMITED(THE) Reference number: 117664 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.
  • P D A Palmer, J J P Dawson, M R Cliff & E J Readman (FRN 407934) is an AR of NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY LIMITED(THE) (FRN 117664). When you use P D A Palmer, J J P Dawson, M R Cliff & E J Readman's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from P D A Palmer, J J P Dawson, M R Cliff & E J Readman, 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 nfumutual.co.uk first appeared online, and whether it can receive email
  • What kind of line 01845 522337 is
  • Who else gives the postcode YO7 3NY
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Other names (5)

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

  • D Palmer, J Dawson & M R Cliff Former name
  • D Palmer, J Dawson, M R Cliff & H M Bell Former name
  • Palmer & Dawson Former name
  • P D A Palmer, J J P Dawson & M R Cliff Former name
  • P D A Palmer, J J P Dawson, M R Cliff & H M Bell Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through National Farmers Union Mutual Insurance Society Limited (The), 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

This firm’s history from the FCA register and Companies House, newest first.

2024

25 October 2024

  • Changed its registered name from "P D A Palmer, J J P Dawson & M R Cliff"

FCA register

2020

19 March 2020

  • Changed its registered name from "P D A Palmer, J J P Dawson, M R Cliff & H M Bell"

FCA register

2018

9 March 2018

  • Changed its registered name from "D Palmer, J Dawson, M R Cliff & H M Bell"

FCA register

2017

27 June 2017

  • Changed its registered name from "D Palmer, J Dawson & M R Cliff"

FCA register

2015

30 January 2015

  • Changed its registered name from "Palmer & Dawson"

FCA register

2005

14 January 2005

  • Became an appointed representative

FCA register

Similar firms

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

In Thirsk

Mr Malcolm Holder & Mr Gary HolderThirskAppointed representativePendant Financial Services LtdThirskAppointed representativeHillside Meadow Lodges LimitedThirskAppointed 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.

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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

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Frequently asked questions about this firm

Is P D A Palmer, J J P Dawson, M R Cliff & E J Readman FCA authorised?
P D A Palmer, J J P Dawson, M R Cliff & E J Readman (FRN 407934) 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 P D A Palmer, J J P Dawson, M R Cliff & E J Readman?
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. P D A Palmer, J J P Dawson, M R Cliff & E J Readman (FRN 407934) is an AR of NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY LIMITED(THE) (FRN 117664). When you use P D A Palmer, J J P Dawson, M R Cliff & E J Readman's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from P D A Palmer, J J P Dawson, M R Cliff & E J Readman, 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 P D A Palmer, J J P Dawson, M R Cliff & E J Readman’s phone number and website?
The FCA register lists the phone number 01845 522337 and the website nfumutual.co.uk/thirsk for P D A Palmer, J J P Dawson, M R Cliff & E J Readman. If you were given different contact details, use these to check with the firm before going any further.
Is P D A Palmer, J J P Dawson, M R Cliff & E J Readman a scam or clone?
P D A Palmer, J J P Dawson, M R Cliff & E J Readman 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 P D A Palmer, J J P Dawson, M R Cliff & E J Readman?
Protection works through National Farmers Union Mutual Insurance Society Limited (The), the principal firm responsible for P D A Palmer, J J P Dawson, M R Cliff & E J Readman's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does P D A Palmer, J J P Dawson, M R Cliff & E J Readman use any other names?
It has previously used 5 other names, including D Palmer, J Dawson & M R Cliff, D Palmer, J Dawson, M R Cliff & H M Bell and Palmer & Dawson.

Sources and links

The full report on P D A Palmer, J J P Dawson, M R Cliff & E J Readman

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