Terance Young

Reference number: 483512

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Appointed representative

Terance Young 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

HL Partnership Limited Reference number: 303397 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.
  • Terance Young (FRN 483512) is an AR of HL Partnership Limited (FRN 303397). When you use Terance Young's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Terance Young, 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

    0191 380 0065

  • Address

    1 Ormskirk Grove, Sunderland, Sunderland, SR3 2ZT, United Kingdom

In the full report: 2 background checks

  • What kind of line 0191 380 0065 is
  • Who else gives the postcode SR3 2ZT
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Other names (1)

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

  • TM Associates Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL Partnership 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

Terance Young’s history from the FCA register and Companies House, newest first.

2022

3 July 2022

  • Changed its registered name from "TM Associates"
  • Began trading as "TM Associates"

FCA register

2008

20 May 2008

  • Became an appointed representative

FCA register

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

Firms like Terance Young

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

In Sunderland

Approved Mortgage Solutions LimitedSunderlandAppointed representativeGeraldine CollinsSunderlandAppointed representativeMAB (GB) LtdSunderlandAppointed representativeRiverside Mortgage Advice LimitedSunderlandAppointed representativeSunland Mortgages LimitedSunderlandAppointed representativeMcGeorge Financial LtdSunderlandAppointed 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 Terance Young

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

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Frequently asked questions about this firm

Is Terance Young FCA authorised?
Terance Young (FRN 483512) 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 Terance Young?
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. Terance Young (FRN 483512) is an AR of HL Partnership Limited (FRN 303397). When you use Terance Young's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Terance Young, 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 Terance Young’s phone number?
The FCA register lists the phone number 0191 380 0065 for Terance Young. If you were given different contact details, use these to check with the firm before going any further.
Is Terance Young a scam or clone?
Terance Young 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 Terance Young?
Protection works through HL Partnership Limited, the principal firm responsible for Terance Young's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Terance Young use any other names?
It trades as TM Associates.

Sources and links

The full report on Terance Young

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