Richard Cornwell

Reference number: 494421

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Appointed representative

Richard Cornwell 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

Personal Touch Financial Services Limited Reference number: 187834 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 Cornwell (FRN 494421) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Richard Cornwell's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Richard Cornwell, 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

    01234 825481

  • Address

    Meadowfields, 7 Barker Drive, Bromham, Bedford, Bedfordshire, MK43 8TJ, United Kingdom

In the full report: 2 background checks

  • What kind of line 01234 825481 is
  • Who else gives the postcode MK43 8TJ
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Other names (2)

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

  • Richard Cornwell Mortgages Trading name
  • Richard Cornwell Independent Mortgages Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection 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, 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 Cornwell’s history from the FCA register and Companies House, newest first.

Key events (2) All events (5)

2013

12 July 2013

  • Changed its registered name from "Richard Cornwell Independent Mortgages"

FCA register

2009

12 January 2009

  • Became an appointed representative

FCA register

In the full report: all 5 events

  • All 5 events in its history (2 shown here)
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Firms like Richard Cornwell

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

In Bedford

Alun WatsonBedfordAppointed representativeDarren ArdenBedfordAppointed representativeEnhanced Business Finance LtdBedfordAppointed representativeEveryday Mortgages LtdBedfordAppointed representativeHarjinder AtwalBedfordAppointed representativeInitial Mortgage Solutions LtdBedfordAppointed 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 Cornwell

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 5 events in its history

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Frequently asked questions about this firm

Is Richard Cornwell FCA authorised?
Richard Cornwell (FRN 494421) 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 Cornwell?
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 Cornwell (FRN 494421) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Richard Cornwell's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Richard Cornwell, 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 Cornwell’s phone number?
The FCA register lists the phone number 01234 825481 for Richard Cornwell. If you were given different contact details, use these to check with the firm before going any further.
Is Richard Cornwell a scam or clone?
Richard Cornwell 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 Cornwell?
Protection works through Personal Touch Financial Services Limited, the principal firm responsible for Richard Cornwell's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Richard Cornwell use any other names?
It trades as Richard Cornwell Mortgages. It has previously used the name Richard Cornwell Independent Mortgages.

Sources and links

The full report on Richard Cornwell

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