Ray Bugg

Reference number: 942901

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Appointed representative

Ray Bugg 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

Rosemount Financial Solutions (IFA) Limited Reference number: 535515 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.
  • Ray Bugg (FRN 942901) is an AR of Rosemount Financial Solutions (IFA) Limited (FRN 535515). When you use Ray Bugg's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Ray Bugg, 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

    07368 694482

  • Address

    1 Church Meadows, Bocking, Braintree, CM7 5SL, United Kingdom

In the full report: 2 background checks

  • What kind of line 07368 694482 is
  • Who else gives the postcode CM7 5SL
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Other names (1)

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

  • RB Mortgage Solutions Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Rosemount Financial Solutions (IFA) 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.

Key dates in its history

Ray Bugg’s history from the FCA register and Companies House, newest first.

2024

1 November 2024

  • Changed its registered name from "RB Mortgage Solutions"
  • Began trading as "RB Mortgage Solutions"

FCA register

2021

14 January 2021

  • Became an appointed representative

FCA register

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

Firms like Ray Bugg

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

In Braintree

Clarity Financial Planning LimitedBraintreeAppointed representativeDawn SharmanBraintreeAppointed representativeJames CarterBraintreeAppointed representativeLucy GoodwynBraintreeAppointed representativeOculus Wealth Management (City) LimitedBraintreeAppointed representativePaul Davis Financial Planning LtdBraintreeAppointed 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 Ray Bugg

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 3 events in its history

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Frequently asked questions about this firm

Is Ray Bugg FCA authorised?
Ray Bugg (FRN 942901) 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 Ray Bugg?
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. Ray Bugg (FRN 942901) is an AR of Rosemount Financial Solutions (IFA) Limited (FRN 535515). When you use Ray Bugg's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Ray Bugg, 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 Ray Bugg’s phone number?
The FCA register lists the phone number 07368 694482 for Ray Bugg. If you were given different contact details, use these to check with the firm before going any further.
Is Ray Bugg a scam or clone?
Ray Bugg 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 Ray Bugg?
Protection works through Rosemount Financial Solutions (IFA) Limited, the principal firm responsible for Ray Bugg's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Ray Bugg use any other names?
It trades as RB Mortgage Solutions.

Sources and links

The full report on Ray Bugg

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