David Hummerston

Reference number: 1052399

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Appointed representative

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

Responsible principal firm

BB Financial Solutions Ltd Reference number: 497128 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.
  • David Hummerston (FRN 1052399) is an AR of BB Financial Solutions Ltd (FRN 497128). When you use David Hummerston's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from David Hummerston, 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.

  • No website on the FCA register

  • Verified phone number

    07778 772926

  • Verified address

    44 Goffs Crescent, Goffs Oak, Waltham Cross, Hertfordshire, EN7 5JR, United Kingdom

Also trades as
  • Crossbrook Consultants

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 BB Financial Solutions 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.

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Common questions

Frequently asked questions

Is David Hummerston FCA authorised?
David Hummerston (FRN 1052399) 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 David Hummerston?
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. David Hummerston (FRN 1052399) is an AR of BB Financial Solutions Ltd (FRN 497128). When you use David Hummerston's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from David Hummerston, 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 David Hummerston?
Protection works through BB Financial Solutions Ltd, the principal firm responsible for David Hummerston's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is David Hummerston a scam or clone?
David Hummerston 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 David Hummerston's Firm Reference Number (FRN)?
David Hummerston's FRN is 1052399. You can verify it on the FCA register.