Paul John Hughes

Reference number: 939581

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Appointed representative

Paul John Hughes 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

Sesame Limited Reference number: 150427 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.
  • Paul John Hughes (FRN 939581) is an AR of Sesame Limited (FRN 150427). When you use Paul John Hughes's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Paul John Hughes, 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

    07704 029566

  • Address

    10 Princes Avenue, South Croydon, CR2 9BA, United Kingdom

In the full report: 2 background checks

  • What kind of line 07704 029566 is
  • Who else gives the postcode CR2 9BA
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Other names (1)

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

  • Spell Mortgages Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sesame 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

Paul John Hughes’s history from the FCA register and Companies House, newest first.

2020

27 November 2020

  • Became an appointed representative
  • Began trading as "Spell Mortgages"

FCA register

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

Firms like Paul John Hughes

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

In South Croydon

Colloco Financial LtdSouth CroydonAppointed representativeD&K Mortgages LtdSouth CroydonAppointed representativeKingsford BlanksonSouth CroydonAppointed representativeMonopoly Mortgages LimitedSouth CroydonAppointed representativePercom Financial Services LimitedSouth CroydonAppointed representativeTejinder Pal Singh BakhshiSouth CroydonAuthorised

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 Paul John Hughes

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 Paul John Hughes FCA authorised?
Paul John Hughes (FRN 939581) 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 Paul John Hughes?
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. Paul John Hughes (FRN 939581) is an AR of Sesame Limited (FRN 150427). When you use Paul John Hughes's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Paul John Hughes, 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 Paul John Hughes’ phone number?
The FCA register lists the phone number 07704 029566 for Paul John Hughes. If you were given different contact details, use these to check with the firm before going any further.
Is Paul John Hughes a scam or clone?
Paul John Hughes 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 Paul John Hughes?
Protection works through Sesame Limited, the principal firm responsible for Paul John Hughes's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Paul John Hughes use any other names?
It trades as Spell Mortgages.

Sources and links

The full report on Paul John Hughes

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