FOUR OAKS FINANCE LIMITED

Reference number: 1022981

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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

Cape (INS) Services Limited Reference number: 940107 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.
  • FOUR OAKS FINANCE LIMITED (FRN 1022981) introduces customers to Cape (INS) Services Limited (FRN 940107). Any regulated advice or arranging is done by the principal, not FOUR OAKS FINANCE.
  • Example: if FOUR OAKS FINANCE refers you to a financial adviser, the advice should come from the principal firm, not from FOUR OAKS FINANCE 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.

  • No website on the FCA register

  • Verified phone number

    07584 439135

  • Verified address

    Four Oaks Finance Limited, Regent House, 50 Frederick Street, Birmingham, Birmingham, B1 3HR, United Kingdom

Company details

From the company's Companies House record.

Company number
15950344
Company status
Active
Company type
Private limited company
Incorporated
11 September 2024 (1 year old)
Registered office
55 Shelley Drive, Sutton Coldfield, B74 4YD, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Current directors and secretaries

Name Role Born Appointed
Olivia Gallagher Director Oct 2000 11 Sep 2024
Lesley Karen Reaney Director Jan 1969 11 Sep 2024

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 Cape (INS) Services 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 FOUR OAKS FINANCE LIMITED FCA authorised?
FOUR OAKS FINANCE LIMITED (FRN 1022981) 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 FOUR OAKS FINANCE?
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. FOUR OAKS FINANCE LIMITED (FRN 1022981) introduces customers to Cape (INS) Services Limited (FRN 940107). Any regulated advice or arranging is done by the principal, not FOUR OAKS FINANCE. Example: if FOUR OAKS FINANCE refers you to a financial adviser, the advice should come from the principal firm, not from FOUR OAKS FINANCE 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 FOUR OAKS FINANCE?
Protection works through Cape (INS) Services Limited, the principal firm responsible for FOUR OAKS FINANCE's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is FOUR OAKS FINANCE a scam or clone?
FOUR OAKS 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 FOUR OAKS FINANCE's Firm Reference Number (FRN)?
FOUR OAKS FINANCE's FRN is 1022981. You can verify it on the FCA register.