Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
Responsible principal firm
Wealthmax Financial Advisers Limited Reference number: 766509 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.
- UNIVERSAL FINANCIAL SERVICES LTD (FRN 1036120) is an AR of Wealthmax Financial Advisers Limited (FRN 766509). When you use UNIVERSAL FINANCIAL SERVICES's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from UNIVERSAL FINANCIAL SERVICES, 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
-
Address
1076 Uxbridge Road, Hayes, Hillingdon, UB4 0RJ, United Kingdom
In the full report: 2 background checks
- What kind of line 07832 274530 is
- Who else gives the postcode UB4 0RJ
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Wealthmax Financial Advisers 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
- 16414798 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 28 April 2025 (1 year old)
- Registered office
- 1076 Uxbridge Road, Hayes, UB4 0RJ, England
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Narinder Singh Ghotra | Director | Dec 1977 | 28 Apr 2025 | 3 other companies |
Other companies run by its director
A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.
- other companies
- 3
- closed down
- 1
- still active
- 2
In the full report: all 3 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
Key dates in its history
Universal Financial Services’s history from the FCA register and Companies House, newest first.
2025
18 June 2025
- Became an appointed representative
FCA register
28 April 2025
- Incorporated at Companies House
- Narinder Singh Ghotra took control (75–100% of shares)
- Narinder Singh Ghotra appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Universal Financial Services
Other FCA-listed firms that share a director, phone number or address with Universal Financial Services. 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 Universal Financial Services
Other firms of the same type (insurance broker), nearest first.
In Hayes
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 Universal Financial Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 2 background checks on its contact details
- All 4 events in its history
- 2 connected firms, named, and who links them
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Universal Financial Services Ltd FCA authorised?
What does appointed representative mean for Universal Financial Services?
What is Universal Financial Services’ phone number?
Is Universal Financial Services a scam or clone?
Is my money safe with Universal Financial Services?
Who owns Universal Financial Services?
Who runs Universal Financial Services?
How long has Universal Financial Services been in business?
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