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
Dragon Brokers Limited Reference number: 599430 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.
- Peppercorn Finance LTD (FRN 1044111) is an AR of Dragon Brokers Limited (FRN 599430). When you use Peppercorn Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Peppercorn 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.
-
No website on the FCA register
-
Phone number
-
Address
Unit 3, Vernon Drive, Battlefield Enterprise Park, Shrewsbury, SY1 3TF, United Kingdom
In the full report: 2 background checks
- What kind of line 01743 624654 is
- Who else gives the postcode SY1 3TF
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Dragon Brokers 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
- 16678388 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 28 August 2025 (1 year old)
- Registered office
- Unit 3 Vernon Drive, Battlefield Enterprise Park, Shrewsbury, SY1 3TF, United Kingdom
- Nature of business
-
- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Philip Tracey | Director | May 1988 | 28 Aug 2025 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Key dates in its history
Peppercorn Finance’s history from the FCA register and Companies House, newest first.
2025
22 October 2025
- Became an appointed representative
FCA register
28 August 2025
- Incorporated at Companies House
- Philip Tracey took control (75–100% of shares)
- Philip Tracey appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Peppercorn Finance
Other FCA-listed firms that share a director, phone number or address with Peppercorn Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Peppercorn Finance
Other firms of the same type (insurance broker), nearest first.
In the Shrewsbury (SY) 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 Peppercorn 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 4 events in its history
- 2 connected firms, named, and who links them
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Peppercorn Finance LTD FCA authorised?
What does appointed representative mean for Peppercorn Finance?
What is Peppercorn Finance’s phone number?
Is Peppercorn Finance a scam or clone?
Is my money safe with Peppercorn Finance?
Who owns Peppercorn Finance?
Who runs Peppercorn Finance?
How long has Peppercorn Finance been in business?
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