CONSTANCE FINANCE LIMITED

Reference number: 994273

Instant download

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.

Responsible principal firm

PAUL ISHERWOOD LTD Reference number: 827929 Authorised 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.
  • CONSTANCE FINANCE LIMITED (FRN 994273) is an AR of PAUL ISHERWOOD LTD (FRN 827929). When you use CONSTANCE FINANCE's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from CONSTANCE FINANCE, 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
  • Constance Mortgages and Protection

Company details

From the company's Companies House record.

Company number
14132433
Company status
Active
Company type
Private limited company
Incorporated
25 May 2022 (4 years old)
Registered office
24 St. Giles Avenue, Dagenham, London, RM10 9TB, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
Cyril John Lobo Director Oct 1985 25 May 2022
Samantha Merlyn Misquita Director Nov 1988 25 May 2022

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 PAUL ISHERWOOD LTD, 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.

Download this page as a PDF report

£5 for a clean, timestamped copy you can keep, file or send on. It also helps keep the site free to use and free of ads.

Instant download

Common questions

Frequently asked questions

Is CONSTANCE FINANCE LIMITED FCA authorised?
CONSTANCE FINANCE LIMITED (FRN 994273) 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 CONSTANCE FINANCE?
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. CONSTANCE FINANCE LIMITED (FRN 994273) is an AR of PAUL ISHERWOOD LTD (FRN 827929). When you use CONSTANCE FINANCE's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from CONSTANCE FINANCE, 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 CONSTANCE FINANCE?
Protection works through PAUL ISHERWOOD LTD, the principal firm responsible for CONSTANCE FINANCE's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is CONSTANCE FINANCE a scam or clone?
CONSTANCE FINANCE 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 CONSTANCE FINANCE's Firm Reference Number (FRN)?
CONSTANCE FINANCE's FRN is 994273. You can verify it on the FCA register.