Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for under a year
- Protected through the principal
- No FCA actions
- Active company since 2014
- Accounts filed up to 31 December 2025
- Its whole board of directors changed in February 2025
- On its latest accounts it owed £8.78m more than it owned
Responsible principal firm
Klarna Financial Services UK Limited Reference number: 987889 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.
- UNITED T AND C LIMITED (FRN 1061768) introduces customers to Klarna Financial Services UK Limited (FRN 987889). Any regulated advice or arranging is done by the principal, not UNITED T AND C.
- Example: if UNITED T AND C refers you to a financial adviser, the advice should come from the principal firm, not from UNITED T AND C 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.
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No website on the FCA register
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Phone number
-
Address
Wye House,, 376 London Road,, High Wycombe,, Buckinghamshire, HP11 1LH, United Kingdom
In the full report: 2 background checks
- What kind of line 01494 899940 is
- Who else gives the postcode HP11 1LH
Other names (1)
If you were contacted under any of these names, it is this firm.
- Dormeo UK Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Klarna Financial Services UK 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, freeYou 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.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 09222412 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 17 September 2014 (12 years old)
- Registered office
- Wye House, 376 London Road, High Wycombe, Buckinghamshire, HP11 1LH, England
- Nature of business
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- Manufacture of mattresses (SIC 31030)
- Wholesale of furniture, carpets and lighting equipment (SIC 46470)
- Wholesale of household goods (other than musical instruments) n.e.c (SIC 46499)
- Retail of furniture, lighting, and similar (not musical instruments or scores) in specialised store (SIC 47599)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Sharon Humphrey | Director | Jul 1980 | 13 Feb 2025 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- All 3 people who have been directors, with their dates
Filed accounts and finances
Profit before tax
−£1.91m
Not compared: the previous accounts cover a different length of time
Net assets
−£8.78m
Down £8.87m from £81.5k
Cash at bank
£527k
+698% from £66.1k
Owed within a year
£6.40m
Up £6.35m from £42.9k
Net assets are negative: on its last balance sheet the company owed £8.78m more than it owned.
The previous accounts cover 15 months, so turnover and profit are not compared with them.
Assets and liabilities
In the full report: all 5 years of accounts
- Every year from 2019 to 2025
- The chart, over every year
- Every filed figure, year by year
About these figures
- Turnover
- Money taken from sales in the year, before any costs.
- Profit before tax
- What was left after the year’s costs, before corporation tax. A minus figure is a loss.
- Net assets, or total equity
- Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
- Total assets and total liabilities
- Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
- Cash at bank
- Money in the company’s accounts on the last day of the year.
- Owed within a year, owed after a year
- Debts and bills due in the next twelve months, and those due later.
Accounts filed at Companies House for company 09222412. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.
Key dates in its history
United T and C’s history from the FCA register and Companies House, newest first.
2026
10 September 2026
- Became an introducer appointed representative
FCA register
1 January 2026
- Gian Andrea Fazio stopped being a part-owner
- Karolina Fazio stopped being a part-owner
- Sleep Brands Limited took control (75–100% of shares)
Companies House
2025
13 February 2025
- Board replaced: both directors left and a new director took over
Companies House
2016
6 April 2016
- Gian Andrea Fazio became a part-owner (25–50% of shares)
- Karolina Fazio became a part-owner (25–50% of shares)
Companies House
2014
17 September 2014
- Incorporated at Companies House
Companies House
In the full report: all 14 events
- All 14 events in its history (8 shown here)
- Every director appointment and resignation: 5
Firms connected to United T and C
Other FCA-listed firms that share a director, phone number or address with United T and C. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: the same postcode (2)
- Who links each one: the named directors, with dates
Firms like United T and C
Other firms of the same type (retailer), nearest first.
In the Hemel Hempstead (HP) postcode area
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 United T and C
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details
- 5 years of accounts, charted
- All 14 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk