Ram Ins Consultants Ltd

Reference number: 740070

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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

A L RISK SOLUTIONS LIMITED Reference number: 480468 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.
  • RAM INS CONSULTANTS LTD (FRN 740070) is an AR of A L RISK SOLUTIONS LIMITED (FRN 480468). When you use RAM INS CONSULTANTS's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from RAM INS CONSULTANTS, 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

    07804 621994

  • Address

    22 Capital Business Centre, Carlton Road, South Croydon, CR2 0BS, United Kingdom

In the full report: 2 background checks

  • What kind of line 07804 621994 is
  • Who else gives the postcode CR2 0BS
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Other names (1)

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

  • Richard Milton Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through A L Risk Solutions 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, 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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
15032373
Company status
Active
Company type
Private limited company
Incorporated
27 July 2023 (3 years old)
Registered office
Unit 24 Capital Business Centre, 22 Carlton Road, South Croydon, CR2 0BS, England
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Richard David Milton Director Nov 1955 27 Jul 2023 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 July 2025Micro-entity accountsNot audited

Net assets

£3,931

−37% from £6,202

Employees (average)

1

Same as 1

Owed within a year

£17.5k

Up £17.7k from −£252

Net assets

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 15032373. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Ram Ins Consultants’s history from the FCA register and Companies House, newest first.

2023

14 September 2023

  • Changed its registered name from "Richard Milton"

FCA register

27 July 2023

  • Incorporated at Companies House
  • Richard David Milton took control (75–100% of shares)
  • Richard David Milton appointed as a director

Companies House

2016

11 March 2016

  • Became an appointed representative

FCA register

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

Firms connected to Ram Ins Consultants

Other FCA-listed firms that share a director, phone number or address with Ram Ins Consultants. 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
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Firms like Ram Ins Consultants

Other firms of the same type (insurance broker), nearest first.

In South Croydon

D&D Property Repairs LtdSouth CroydonAppointed representativeNelson Vets LimitedSouth CroydonAppointed representativeAccess Underwriting LimitedSouth CroydonAuthorisedGrout Insurance Brokers LimitedSouth CroydonAuthorisedLPIC LimitedSouth CroydonAuthorised

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 Ram Ins Consultants

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
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Ram Ins Consultants Ltd FCA authorised?
Ram Ins Consultants Ltd (FRN 740070) 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 Ram Ins Consultants?
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. Ram Ins Consultants Ltd (FRN 740070) is an AR of A L RISK SOLUTIONS LIMITED (FRN 480468). When you use Ram Ins Consultants's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Ram Ins Consultants, 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 Ram Ins Consultants’ phone number?
The FCA register lists the phone number 07804 621994 for Ram Ins Consultants. If you were given different contact details, use these to check with the firm before going any further.
Is Ram Ins Consultants a scam or clone?
Ram Ins Consultants 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 Ram Ins Consultants?
Protection works through A L Risk Solutions Limited, the principal firm responsible for Ram Ins Consultants's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Ram Ins Consultants?
Companies House lists one person with significant control of Ram Ins Consultants: Mr Richard David Milton (75–100% of shares).
Who runs Ram Ins Consultants?
Companies House lists one director of Ram Ins Consultants: Richard David Milton.
How long has Ram Ins Consultants been in business?
The company was formed on 27 July 2023.
What do Ram Ins Consultants’ latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £3,931 (−37% from £6,202).
Does Ram Ins Consultants use any other names?
It has previously used the name Richard Milton.

Sources and links

The full report on Ram Ins Consultants Ltd

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