South Staffordshire Water PLC

Reference number: 408940

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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.

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.
  • South Staffordshire Water Plc (FRN 408940) is an AR of Homeserve Membership Limited (FRN 312518). When you use South Staffordshire Water's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from South Staffordshire Water, 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.

In the full report: 3 background checks

  • When south-staffs-water.co.uk first appeared online, and whether it can receive email
  • What kind of line 01922 638282 is, and the other firm that gives it
  • Who else gives the postcode WS2 7PD
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Other names (1)

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

  • Cambridge Water Trading name: A name it trades under now.

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Homeserve Membership 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.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company status
Active
Company type
Public limited company
Incorporated
25 November 1991 (34 years old)
Registered office
Green Lane, Walsall, West Midlands, WS2 7PD
Nature of business
  • Water collection, treatment and supply (SIC 36000)

Directors and company secretaries

Name Role Born Appointed Other companies
Alice Sarah Louise Cummings Director Nov 1963 14 May 2020 None
Ian Charles Barker Director Nov 1953 12 Apr 2022 4 other companies
Sara Lyn Vaughan Director May 1964 10 Feb 2025 23 other companies
Jim O'Sullivan Director May 1959 1 Apr 2025 None
Elena Karpathakis Director Jan 1979 30 Apr 2025 1 other company
Mikhail Nahorny Director Jul 1979 23 Feb 2026 15 other companies
Stephen Johnson Director Dec 1960 9 Mar 2026 28 other companies
James Alaric Leigh Director Mar 1966 30 Sep 2026 None
Caroline Ann Stretton Secretary Not published 2 Feb 2022 –

Other companies run by these 8 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
69
closed down
10
went insolvent
2

In the full report: all 69 companies, named

  • What each company does, and whether it is still trading
  • Which of these 8 directors sit on each board, and since when
  • The 2 that went into liquidation or administration
  • The 2 on the FCA register
  • The 1 company these 8 directors run together
  • All 54 people who have ever been directors, with their dates
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Key dates in its history

South Staffordshire Water’s history from the FCA register and Companies House, newest first.

2021

22 December 2021

  • South Staffordshire PLC gave up control
  • Ssw Finance Limited took control (75–100% of shares)

Companies House

2016

6 April 2016

  • South Staffordshire PLC took control (75–100% of shares)

Companies House

2005

14 January 2005

  • Became an appointed representative

FCA register

1991

25 November 1991

  • Incorporated at Companies House

Companies House

In the full report: all 100 events

  • All 100 events in its history (5 shown here)
  • Every director appointment and resignation: 94
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Firms connected to South Staffordshire Water

Other FCA-listed firms that share a director, phone number or address with South Staffordshire Water. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its phone number
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
  • 2 past links through former directors
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Firms like South Staffordshire Water

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

In the Walsall (WS) postcode area

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 South Staffordshire Water

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

  • 69 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 100 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is South Staffordshire Water PLC FCA authorised?
South Staffordshire Water PLC (FRN 408940) 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 South Staffordshire Water?
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. South Staffordshire Water PLC (FRN 408940) is an AR of Homeserve Membership Limited (FRN 312518). When you use South Staffordshire Water's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from South Staffordshire Water, 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 South Staffordshire Water’s phone number and website?
The FCA register lists the phone number 01922 638282 and the website south-staffs-water.co.uk for South Staffordshire Water. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is South Staffordshire Water a scam or clone?
South Staffordshire Water 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 South Staffordshire Water?
Protection works through Homeserve Membership Limited, the principal firm responsible for South Staffordshire Water's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns South Staffordshire Water?
South Staffordshire Water is owned by Ssw Finance Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 22 December 2021. Before that, it was controlled by South Staffordshire PLC.
Who runs South Staffordshire Water?
Companies House lists 8 directors of South Staffordshire Water: Alice Sarah Louise Cummings, Ian Charles Barker, Sara Lyn Vaughan, Jim O'Sullivan, Elena Karpathakis, Mikhail Nahorny and 2 more.
How long has South Staffordshire Water been in business?
The company was formed on 25 November 1991.
Does South Staffordshire Water use any other names?
It trades as Cambridge Water.

Sources and links

The full report on South Staffordshire Water PLC

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