Umesh Premji Raghwani

Reference number: 987475

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Introducer appointed representative

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

Responsible principal firm

Quilter Financial Services Limited Reference number: 440703 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.
  • Umesh Premji Raghwani (FRN 987475) introduces customers to Quilter Financial Services Limited (FRN 440703). Any regulated advice or arranging is done by the principal, not Umesh Premji Raghwani.
  • Example: if Umesh Premji Raghwani refers you to a financial adviser, the advice should come from the principal firm, not from Umesh Premji Raghwani 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

    07802 484174

  • Address

    105 Elmsleigh Avenue, Harrow, HA3 8HY, United Kingdom

In the full report: 2 background checks

  • What kind of line 07802 484174 is
  • Who else gives the postcode HA3 8HY
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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.

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In Harrow

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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 Umesh Premji Raghwani

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

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Frequently asked questions about this firm

Is Umesh Premji Raghwani FCA authorised?
Umesh Premji Raghwani (FRN 987475) 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 Umesh Premji Raghwani?
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. Umesh Premji Raghwani (FRN 987475) introduces customers to Quilter Financial Services Limited (FRN 440703). Any regulated advice or arranging is done by the principal, not Umesh Premji Raghwani. Example: if Umesh Premji Raghwani refers you to a financial adviser, the advice should come from the principal firm, not from Umesh Premji Raghwani 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 Umesh Premji Raghwani’s phone number?
The FCA register lists the phone number 07802 484174 for Umesh Premji Raghwani. If you were given different contact details, use these to check with the firm before going any further.
Is Umesh Premji Raghwani a scam or clone?
Umesh Premji Raghwani 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 Umesh Premji Raghwani?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Umesh Premji Raghwani's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Sources and links

The full report on Umesh Premji Raghwani

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