PCCB Ltd

Reference number: 579802

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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.

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.
  • PCCB Ltd (FRN 579802) is an AR of Sesame Limited (FRN 150427). When you use PCCB's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from PCCB, 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.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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

    07866 558727

  • Address

    99 High Street, Biddulph, Stoke-On-Trent, Staffordshire, ST8 6AB, United Kingdom

In the full report: 2 background checks

  • What kind of line 07866 558727 is
  • Who else gives the postcode ST8 6AB
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Other names (2)

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

  • Mortgage & Protection for Life Trading name
  • Paul Carter Former 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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
09002586
Company status
Active
Company type
Private limited company
Incorporated
17 April 2014 (12 years old)
Registered office
6 Marsh Parade, Newcastle, ST5 1DU
Nature of business
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Philip Carter Director Mar 1973 17 Apr 2014 4 other companies
Benn Carter Director Dec 2000 3 Jun 2025 None

Other companies run by these 2 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
4
closed down
3
is FCA-registered
1

In the full report: all 4 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 April 2026Micro-entity accountsNot audited

Net assets

£69.4k

−23% from £89.5k

Employees (average)

9

+13% from 8

Owed within a year

£46.6k

−40% from £77.2k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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 09002586. 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

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

Key events (5) All events (10)

2026

11 March 2026

  • Changed its registered name from "Paul Carter"

FCA register

2017

17 April 2017

  • Miranda Carter became a part-owner (25–50% of shares)
  • Paul Philip Carter became a part-owner (25–50% of shares)

Companies House

2014

17 April 2014

  • Incorporated at Companies House

Companies House

2012

19 April 2012

  • Became an appointed representative

FCA register

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Pccb

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Pccb

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

In Stoke-On-Trent

Boardman Financial LimitedStoke-on-TrentAppointed representativeCasa Mortgage And Protection LtdStoke-On-TrentAppointed representativeCavalier Financial SolutionsStoke-on-TrentAppointed representativeCFS Mortgage Specialists LimitedStoke-On-TrentAppointed representativeFoden Mortgage Solutions LimitedStoke-On-TrentAppointed representativeKeeley BarberStoke-On-TrentAppointed 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 Pccb

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

  • 4 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 10 events in its history

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Frequently asked questions about this firm

Is PCCB Ltd FCA authorised?
PCCB Ltd (FRN 579802) 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 Pccb?
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. PCCB Ltd (FRN 579802) is an AR of Sesame Limited (FRN 150427). When you use Pccb's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Pccb, 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 Pccb’s phone number?
The FCA register lists the phone number 07866 558727 for Pccb. If you were given different contact details, use these to check with the firm before going any further.
Is Pccb a scam or clone?
Pccb 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 Pccb?
Protection works through Sesame Limited, the principal firm responsible for Pccb's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Pccb?
Companies House lists 2 people with significant control of Pccb: Mrs Miranda Carter (25–50% of shares) and Mr Paul Philip Carter (25–50% of shares).
Who runs Pccb?
Companies House lists 2 directors of Pccb: Paul Philip Carter and Benn Carter.
How long has Pccb been in business?
The company was formed on 17 April 2014.
What do Pccb’s latest accounts show?
Its latest accounts, to 30 April 2026, show net assets of £69.4k (−23% from £89.5k).
Does Pccb use any other names?
It trades as Mortgage & Protection for Life. It has previously used the name Paul Carter.

Sources and links

The full report on PCCB Ltd

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