Cheltenham Trade Commercials Limited

Reference number: 1054046

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

LowRateCarFinance Limited Reference number: 963856 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.
  • Cheltenham Trade Commercials Limited (FRN 1054046) introduces customers to LowRateCarFinance Limited (FRN 963856). Any regulated advice or arranging is done by the principal, not Cheltenham Trade Commercials.
  • Example: if Cheltenham Trade Commercials refers you to a financial adviser, the advice should come from the principal firm, not from Cheltenham Trade Commercials 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.

Identity

Check their details

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.

Company details

From the company's Companies House record.

Company number
16880880
Company status
Active
Company type
Private limited company
Incorporated
28 November 2025 (less than a year old)
Registered office
Waterloo House, 18 The Waterloo, Cirencester, GL7 2PY, England
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)

Current directors and secretaries

Name Role Born Appointed
Joanne Kate Hall Director Apr 1982 28 Nov 2025
John Raymond Prosser Director Feb 1969 28 Nov 2025
Gavin Robert Veale Director Oct 1978 28 Nov 2025
Lisa Marlane Veale Director Oct 1975 28 Nov 2025

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through LowRateCarFinance 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: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is Cheltenham Trade Commercials Limited FCA authorised?
Cheltenham Trade Commercials Limited (FRN 1054046) 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 Cheltenham Trade Commercials?
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. Cheltenham Trade Commercials Limited (FRN 1054046) introduces customers to LowRateCarFinance Limited (FRN 963856). Any regulated advice or arranging is done by the principal, not Cheltenham Trade Commercials. Example: if Cheltenham Trade Commercials refers you to a financial adviser, the advice should come from the principal firm, not from Cheltenham Trade Commercials 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.
Is my money safe with Cheltenham Trade Commercials?
Protection works through LowRateCarFinance Limited, the principal firm responsible for Cheltenham Trade Commercials's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Cheltenham Trade Commercials a scam or clone?
Cheltenham Trade Commercials is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Cheltenham Trade Commercials's Firm Reference Number (FRN)?
Cheltenham Trade Commercials's FRN is 1054046. You can verify it on the FCA register.