Pivotal Financial Limited

Reference number: 665649

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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.

In the full report: 3 background checks

  • When charcol.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 3868 9137 is
  • Who else gives the postcode E1 7QA
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Other names (8)

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

  • Charcol Trading name
  • Jakob Alexander Mortgages Trading name
  • John Charcol Trading name
  • John Charcol Insurance Brokers Trading name
  • Pivotal Trading name
  • Ensco 1086 Limited Former name
  • John Charcol Limited Former name
  • Falcon Finance Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Advise on or arrange mortgages · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (14 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Debt-counselling
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

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
09157892
Company status
Active
Company type
Private limited company
Incorporated
1 August 2014 (12 years old)
Registered office
Fora, 133 Whitechapel High Street, London, E1 7QA, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Jeremy Paul Gibson Director May 1973 4 Apr 2024 87 other companies
Lisa Zina Walklin-Knight Director Jul 1979 4 Apr 2024 3 other companies
Christopher Wallis Director Apr 1967 4 Apr 2024 4 other companies
Mayank Prakash Director Jan 1973 21 Oct 2025 57 other companies
Jonathan Pearson Round Director Feb 1964 10 Jun 2026 25 other companies

Other companies run by these 5 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
112
closed down
19
went insolvent
1

In the full report: all 112 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 44 on the FCA register, including one no longer authorised
  • The 52 companies these 5 directors run together
  • All 27 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (7) All events (63)

2026

27 April 2026

  • Changed its registered name from "John Charcol Limited"

FCA register

2024

4 April 2024

  • Board replaced: all 3 directors left and 4 new directors took over

Companies House

2016

6 April 2016

  • John Charcol Group Limited took control (75–100% of shares)

Companies House

2015

25 March 2015

  • Changed its registered name from "Ensco 1086 Limited"

FCA register

2 March 2015

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2014

1 August 2014

  • Incorporated at Companies House

Companies House

In the full report: all 63 events

  • All 63 events in its history (7 shown here)
  • Every director appointment and resignation: 47
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Firms connected to Pivotal Financial

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

connected firms
5
share a director
1
share its postcode
4

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (1), the same postcode (4)
  • Who links each one: the named directors, with dates
  • 11 past links through former directors
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Firms like Pivotal Financial

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

In London

Saga Personal Finance LimitedLondonAuthorisedLegal & General Partnership Services LimitedLondonAuthorisedPrudential Distribution LimitedLondonAuthorisedQuilter Mortgage Planning LimitedLondonAuthorisedEnness LimitedLondonAuthorisedA S Financial LimitedLondonAuthorised

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 Pivotal Financial

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

  • 112 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 63 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Pivotal Financial Limited FCA authorised?
Yes, Pivotal Financial Limited (FRN 665649) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2015 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Pivotal Financial’s phone number and website?
The FCA register lists the phone number 020 3868 9137 and the website charcol.co.uk for Pivotal Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Pivotal Financial a scam or clone?
Pivotal Financial 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 Pivotal Financial?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Pivotal Financial to the Financial Ombudsman Service, free of charge.
Who owns Pivotal Financial?
Pivotal Financial is owned by John Charcol Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs Pivotal Financial?
Companies House lists 5 directors of Pivotal Financial: Jeremy Paul Gibson, Lisa Zina Walklin-Knight, Christopher Wallis, Mayank Prakash and Jonathan Pearson Round.
How long has Pivotal Financial been in business?
The company was formed on 1 August 2014, and has held its current FCA authorisation since March 2015.
Does Pivotal Financial use any other names?
It trades as Charcol, Jakob Alexander Mortgages, John Charcol, John Charcol Insurance Brokers and Pivotal. It has previously used 3 other names: Ensco 1086 Limited, John Charcol Limited and Falcon Finance.

Sources and links

The full report on Pivotal Financial Limited

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