Prem Pradeep Mylvaganam

Reference number: 484335

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Appointed representative

Prem Pradeep Mylvaganam does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

Julian Harris Financial Consultants Reference number: 153566 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.
  • Prem Pradeep Mylvaganam (FRN 484335) is an AR of Julian Harris Financial Consultants (FRN 153566). When you use Prem Pradeep Mylvaganam's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Prem Pradeep Mylvaganam, 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

    01923 352520

  • Address

    52 Rickmansworth Road, Watford, Hertfordshire, WD18 7HT, United Kingdom

In the full report: 2 background checks

  • What kind of line 01923 352520 is
  • Who else gives the postcode WD18 7HT
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Other names (2)

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

  • U P Mortgages Trading name
  • Pradeep Mylvaganam Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Julian Harris Financial Consultants, 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.

Key dates in its history

Prem Pradeep Mylvaganam’s history from the FCA register and Companies House, newest first.

2022

29 September 2022

  • Changed its registered name from "Pradeep Mylvaganam"

FCA register

2010

25 June 2010

  • Changed its registered name from "U P Mortgages"
  • Began trading as "U P Mortgages"

FCA register

2008

6 June 2008

  • Became an appointed representative

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms like Prem Pradeep Mylvaganam

Other firms of the same type (financial adviser), nearest first.

In Watford

Allwyn Entertainment LtdWatfordAppointed representativeAS Investments LimitedWatfordAppointed representativeCobana Finance LimitedWatfordAppointed representativeJohn ChodyWatfordAppointed representativeMeades Wealth Management LimitedWatfordAppointed representativeR C Wealth LtdWatfordAppointed 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 Prem Pradeep Mylvaganam

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

  • 2 background checks on its contact details
  • All 4 events in its history

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Frequently asked questions about this firm

Is Prem Pradeep Mylvaganam FCA authorised?
Prem Pradeep Mylvaganam (FRN 484335) 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 Prem Pradeep Mylvaganam?
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. Prem Pradeep Mylvaganam (FRN 484335) is an AR of Julian Harris Financial Consultants (FRN 153566). When you use Prem Pradeep Mylvaganam's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Prem Pradeep Mylvaganam, 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 Prem Pradeep Mylvaganam’s phone number?
The FCA register lists the phone number 01923 352520 for Prem Pradeep Mylvaganam. If you were given different contact details, use these to check with the firm before going any further.
Is Prem Pradeep Mylvaganam a scam or clone?
Prem Pradeep Mylvaganam 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 Prem Pradeep Mylvaganam?
Protection works through Julian Harris Financial Consultants, the principal firm responsible for Prem Pradeep Mylvaganam's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Prem Pradeep Mylvaganam use any other names?
It trades as U P Mortgages. It has previously used the name Pradeep Mylvaganam.

Sources and links

The full report on Prem Pradeep Mylvaganam

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