Richard Charlton

Reference number: 931486

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Appointed representative

Richard Charlton 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

The Right Mortgage Limited Reference number: 649443 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.
  • Richard Charlton (FRN 931486) is an AR of The Right Mortgage Limited (FRN 649443). When you use Richard Charlton's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Richard Charlton, 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

    07984 062365

  • Address

    7 Farington Road, Bristol, Somerset, BS10 5BN, United Kingdom

In the full report: 2 background checks

  • What kind of line 07984 062365 is
  • Who else gives the postcode BS10 5BN
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Other names (1)

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

  • Phoenix Health & Protection Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Right Mortgage 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

Richard Charlton’s history from the FCA register and Companies House, newest first.

2020

6 August 2020

  • Became an appointed representative
  • Began trading as "Phoenix Health & Protection"

FCA register

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

Firms like Richard Charlton

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

In Bristol

Advise and Protect LimitedBristolAppointed representativeAlko Mortgages LtdBristolAppointed representativeAlternative Business Funding LimitedBristolAppointed representativeAmar SinghBristolAppointed representativeAmberley Financial Services LimitedBristolAppointed representativeAndy Rooke Financial Consultancy LimitedBristolAppointed 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 Richard Charlton

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 2 events in its history

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Frequently asked questions about this firm

Is Richard Charlton FCA authorised?
Richard Charlton (FRN 931486) 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 Richard Charlton?
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. Richard Charlton (FRN 931486) is an AR of The Right Mortgage Limited (FRN 649443). When you use Richard Charlton's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Richard Charlton, 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 Richard Charlton’s phone number?
The FCA register lists the phone number 07984 062365 for Richard Charlton. If you were given different contact details, use these to check with the firm before going any further.
Is Richard Charlton a scam or clone?
Richard Charlton 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 Richard Charlton?
Protection works through The Right Mortgage Limited, the principal firm responsible for Richard Charlton's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Richard Charlton use any other names?
It trades as Phoenix Health & Protection.

Sources and links

The full report on Richard Charlton

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