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 2 years
- Protected through the principal
- No FCA actions
- Active company since 2024
- Accounts filed up to 31 March 2026
- On its latest accounts it owed £216 more than it owned
Responsible principal firm
White Rose Finance Group Limited Reference number: 630772 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.
- Pact Finance Ltd (FRN 1010799) is an AR of White Rose Finance Group Limited (FRN 630772). When you use Pact Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Pact Finance, 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.
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No website on the FCA register
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Phone number
-
Address
44 Church Street, Easton On The Hill, Stamford, Northamptonshire, PE9 3LL, United Kingdom
In the full report: 2 background checks
- What kind of line 07517 211249 is
- Who else gives the postcode PE9 3LL
FCA permissions and consumer protection
- Protection through the principal firmProtection works through White Rose Finance Group 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, freeYou 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
- 15481515 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 February 2024 (2 years old)
- Registered office
- 21 Orton Enterprise Centre Bakewell Road, Orton Southgate, Peterborough, PE2 6XU, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Guy Robert William Sandys | Director | Apr 1990 | 11 Feb 2024 | None |
| Grace Helena Rose Sandys | Director | Feb 1994 | 29 Jul 2024 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
Filed accounts and finances
Net assets
−£216
−106% from £3,623
Cash at bank
£14.2k
+42% from £10.0k
Employees (average)
2
Same as 2
Net assets are negative: on its last balance sheet the company owed £216 more than it owned.
Assets and liabilities
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 15481515. 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
Pact Finance’s history from the FCA register and Companies House, newest first.
2024
1 March 2024
- Became an appointed representative
FCA register
11 February 2024
- Incorporated at Companies House
- Grace Helena Rose Sandys became a part-owner (25–50% of shares)
- Guy Robert William Sandys became a part-owner (25–50% of shares)
Companies House
In the full report: all 7 events
- All 7 events in its history (4 shown here)
- Every director appointment and resignation: 2
Firms like Pact Finance
Other firms of the same type (mortgage adviser or broker), nearest first.
In Stamford
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 Pact Finance
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 7 events in its history
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Frequently asked questions about this firm
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What does appointed representative mean for Pact Finance?
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Who owns Pact Finance?
Who runs Pact Finance?
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What do Pact Finance’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk