CJP Financial Services Ltd

Reference number: 466798

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

The FCA register does not name a principal for this 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.
  • CJP Financial Services Ltd (FRN 466798) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm.
  • Example: if you take financial advice from CJP 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.

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.

Also trades as 4 other names
  • CJP Financial Services t/a Financial Options
  • Financial Options
  • Financial Options Group
  • Kennedy Private Wealth

Company details

From the company's Companies House record.

Company name
CJP FINANCIAL SERVICES LIMITED
Company number
06060099
Company status
Active
Company type
Private limited company
Incorporated
22 January 2007 (19 years old)
Registered office
70 Market Street, Tottington, Bury, BL8 3LJ
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Christian John Pepper Director Jan 1973 8 Feb 2007
Sarah Kendell Secretary Not published 8 Feb 2007

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 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.

Names it no longer trades under

This firm has retired 4 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • a & b Financial Options
  • Life Cover made Easy
  • Mortgage Options
  • Pearson Ferrier Financial Services

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Common questions

Frequently asked questions

Is CJP Financial Services Ltd FCA authorised?
CJP Financial Services Ltd (FRN 466798) 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 CJP Financial Services?
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. CJP Financial Services Ltd (FRN 466798) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm. Example: if you take financial advice from CJP 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.
Is my money safe with CJP Financial Services?
Protection works through the principal firm responsible for CJP Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is CJP Financial Services a scam or clone?
CJP Financial Services 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 CJP Financial Services's Firm Reference Number (FRN)?
CJP Financial Services's FRN is 466798. You can verify it on the FCA register.