Stuart Middleton

Reference number: 992705

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Introducer appointed representative

Stuart Middleton can only introduce you to their principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

PHOENIX FINANCIAL CONSULTANTS LIMITED Reference number: 539195 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Stuart Middleton (FRN 992705) introduces customers to PHOENIX FINANCIAL CONSULTANTS LIMITED (FRN 539195). Any regulated advice or arranging is done by the principal, not Stuart Middleton.
  • Example: if Stuart Middleton refers you to a financial adviser, the advice should come from the principal firm, not from Stuart Middleton itself.
  • 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 250530

  • Address

    43 The Shires, Lower Bullingham, Hereford, HR2 6EY, United Kingdom

In the full report: 2 background checks

  • What kind of line 07957 250530 is
  • Who else gives the postcode HR2 6EY
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Other names (1)

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

  • SM Home Improvements & Maintenance Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Phoenix Financial Consultants 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

Stuart Middleton’s history from the FCA register and Companies House, newest first.

2023

2 March 2023

  • Became an introducer appointed representative
  • Began trading as "SM Home Improvements & Maintenance"

FCA register

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

Firms like Stuart Middleton

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

In Hereford

Clever Commercial Finance LimitedHerefordAppointed representativeImpact Mortgages LtdHerefordAppointed representativeRichard Vale Mortgages LimitedHerefordAppointed representativeDaniel BourkeHerefordAuthorised

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 Stuart Middleton

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 Stuart Middleton FCA authorised?
Stuart Middleton (FRN 992705) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Stuart Middleton?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Stuart Middleton (FRN 992705) introduces customers to PHOENIX FINANCIAL CONSULTANTS LIMITED (FRN 539195). Any regulated advice or arranging is done by the principal, not Stuart Middleton. Example: if Stuart Middleton refers you to a financial adviser, the advice should come from the principal firm, not from Stuart Middleton itself. 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 Stuart Middleton’s phone number?
The FCA register lists the phone number 07957 250530 for Stuart Middleton. If you were given different contact details, use these to check with the firm before going any further.
Is Stuart Middleton a scam or clone?
Stuart Middleton 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 Stuart Middleton?
Protection works through Phoenix Financial Consultants Limited, the principal firm responsible for Stuart Middleton's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Stuart Middleton use any other names?
It trades as SM Home Improvements & Maintenance.

Sources and links

The full report on Stuart Middleton

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