Spencer Down

Reference number: 411374

Instant download

Appointed representative

Spencer Down 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

JULIAN HARRIS ADVISER NETWORK LIMITED Reference number: 304155 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.
  • Spencer Down (FRN 411374) is an AR of JULIAN HARRIS ADVISER NETWORK LIMITED (FRN 304155). When you use Spencer Down's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Spencer Down, 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

    07931 387101

  • Address

    21 Cumberland Road, Richmond, Surrey, TW9 3HJ, United Kingdom

In the full report: 2 background checks

  • What kind of line 07931 387101 is
  • Who else gives the postcode TW9 3HJ
Instant PDF download
Other names (1)

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

  • Spencer Down Associates Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Julian Harris Adviser Network 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

Spencer Down’s history from the FCA register and Companies House, newest first.

2017

5 June 2017

  • Changed its registered name from "Spencer Down Associates"
  • Began trading as "Spencer Down Associates"

FCA register

2004

31 October 2004

  • Became an appointed representative

FCA register

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

Firms like Spencer Down

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

In Richmond

Dialstone Capital LtdRichmondAppointed representativeGoodwood Capital LimitedRichmondAppointed representativeIkarus Capital Advisory LimitedRichmondAppointed representativeJanice NewloveRichmondAppointed representativeJourney Invest LtdRichmondAppointed representativeKew Tree Wealth LimitedRichmondAppointed 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 Spencer Down

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

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Spencer Down FCA authorised?
Spencer Down (FRN 411374) 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 Spencer Down?
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. Spencer Down (FRN 411374) is an AR of JULIAN HARRIS ADVISER NETWORK LIMITED (FRN 304155). When you use Spencer Down's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Spencer Down, 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 Spencer Down’s phone number?
The FCA register lists the phone number 07931 387101 for Spencer Down. If you were given different contact details, use these to check with the firm before going any further.
Is Spencer Down a scam or clone?
Spencer Down 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 Spencer Down?
Protection works through Julian Harris Adviser Network Limited, the principal firm responsible for Spencer Down's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Spencer Down use any other names?
It trades as Spencer Down Associates.

Sources and links

The full report on Spencer Down

£19.99 · Instant PDF download

Loading secure checkout…