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
First Complete Limited Reference number: 435779 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.
- Penjoe Ltd (FRN 1060869) is an AR of First Complete Limited (FRN 435779). When you use Penjoe's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Penjoe, 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
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Address
26 Readers Crescent, Ballyclare, Northern Ireland, BT39 9BD, United Kingdom
In the full report: 2 background checks
- What kind of line 07377 450182 is
- Who else gives the postcode BT39 9BD
Other names (1)
If you were contacted under any of these names, it is this firm.
- Pinnacle Mortgages & Protection Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through First Complete 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
- NI740206 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 29 April 2026 (less than a year old)
- Registered office
- 26 Readers Crescent, Ballyclare, BT39 9BD, Northern Ireland
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Alexander David Purdy | Director | Jun 1993 | 29 Apr 2026 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Key dates in its history
Penjoe’s history from the FCA register and Companies House, newest first.
2026
1 September 2026
- Became an appointed representative
- Began trading as "Pinnacle Mortgages & Protection"
FCA register
29 April 2026
- Incorporated at Companies House
- Alexander David Purdy took control (75–100% of shares)
- Alexander David Purdy appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Penjoe
Other firms of the same type (insurance broker), nearest first.
In Ballyclare
In the Belfast (BT) postcode area
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 Penjoe
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 5 events in its history
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Frequently asked questions about this firm
Is Penjoe Ltd FCA authorised?
What does appointed representative mean for Penjoe?
What is Penjoe’s phone number?
Is Penjoe a scam or clone?
Is my money safe with Penjoe?
Who owns Penjoe?
Who runs Penjoe?
How long has Penjoe been in business?
Does Penjoe use any other names?
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