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.
- Appointed for 16 years
- Protected through the principal
- No FCA actions
- Active company since 2003
- Accounts filed up to 30 June 2025
Responsible principal firm
Personal Touch Financial Services Limited Reference number: 187834 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.
- PJM and JAM Associates Ltd (FRN 519996) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use PJM and JAM Associates's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from PJM and JAM Associates, 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
-
Address
The Technocentre, Coventry University Technology Park, Puma Way, Coventry, West Midlands, CV1 2TT, United Kingdom
In the full report: 2 background checks
- What kind of line 024 7624 3726 is
- Who else gives the postcode CV1 2TT
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Personal Touch Financial Services 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 name
- PJM AND JAM ASSOCIATES LIMITED
- Company number
- 04788419 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 5 June 2003 (23 years old)
- Registered office
- The Thresher, Pond Farm Mews, Upper Eastern Green Lane, Coventry, CV5 7DP
- Nature of business
-
- Life insurance (SIC 65110)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Paul James Morgan | Director | Mar 1964 | 1 Jul 2003 | None |
| Julie Anne Morgan | Secretary | Not published | 1 Jul 2003 | – |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- Both people who have been directors, with their dates
Filed accounts and finances
Net assets
£604k
−6.3% from £645k
Cash at bank
£370k
−40% from £615k
Owed within a year
£74.3k
−7.6% from £80.4k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- The chart, over every year
- Every filed figure, year by year
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.
Accounts filed at Companies House for company 04788419. 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
PJM and JAM Associates’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- Julie Anne Morgan became a part-owner (25–50% of shares)
- Paul James Morgan became a part-owner (25–50% of shares)
Companies House
2010
12 March 2010
- Became an appointed representative
FCA register
2003
1 July 2003
- Paul James Morgan appointed as a director
Companies House
5 June 2003
- Incorporated at Companies House
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to PJM and JAM Associates
Other FCA-listed firms that share a director, phone number or address with PJM and JAM Associates. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like PJM and JAM Associates
Other firms of the same type (mortgage adviser or broker), nearest first.
In Coventry
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 PJM and JAM Associates
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
- 7 years of accounts, charted
- All 5 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Who runs PJM and JAM Associates?
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What do PJM and JAM Associates’ latest accounts show?
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