Stephen James Perry

Reference number: 472914

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Appointed representative

Stephen James Perry 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

Ingard Financial Limited Reference number: 450731 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.
  • Stephen James Perry (FRN 472914) is an AR of Ingard Financial Limited (FRN 450731). When you use Stephen James Perry's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Stephen James Perry, 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

    07957 388746

  • Address

    2 Castle Hill Gardens, Torrington, Devon, EX38 8ET, United Kingdom

In the full report: 2 background checks

  • What kind of line 07957 388746 is
  • Who else gives the postcode EX38 8ET
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Other names (2)

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

  • SJP Financial Services Trading name
  • SJP Financial (South) Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Ingard Financial 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

Stephen James Perry’s history from the FCA register and Companies House, newest first.

2019

29 April 2019

  • Changed its registered name from "SJP Financial (South) Ltd"
  • Began trading as "SJP Financial Services"

FCA register

2015

30 January 2015

  • Changed its registered name from "SJP Financial Services"

FCA register

2007

19 September 2007

  • Became an appointed representative

FCA register

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

Firms like Stephen James Perry

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

In the Exeter (EX) postcode area

A U LimitedAxminsterAppointed representativeAsset Finance Specialists LtdExeterAppointed representativeAwesome Mortgages LtdExeterAppointed representativeDamian KennedyExmouthAppointed representativeDaniel HarveyExeterAppointed representativeEmbrace Financial Services LTDExeterAppointed 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 Stephen James Perry

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 4 events in its history

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Frequently asked questions about this firm

Is Stephen James Perry FCA authorised?
Stephen James Perry (FRN 472914) 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 Stephen James Perry?
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. Stephen James Perry (FRN 472914) is an AR of Ingard Financial Limited (FRN 450731). When you use Stephen James Perry's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Stephen James Perry, 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 Stephen James Perry’s phone number?
The FCA register lists the phone number 07957 388746 for Stephen James Perry. If you were given different contact details, use these to check with the firm before going any further.
Is Stephen James Perry a scam or clone?
Stephen James Perry 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 Stephen James Perry?
Protection works through Ingard Financial Limited, the principal firm responsible for Stephen James Perry's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Stephen James Perry use any other names?
It trades as SJP Financial Services. It has previously used the name SJP Financial (South) Ltd.

Sources and links

The full report on Stephen James Perry

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