HPS Financial Services Ltd

Reference number: 1015201

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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.

Responsible principal firm

TMG Direct Limited Reference number: 786245 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.
  • HPS Financial Services Ltd (FRN 1015201) is an AR of TMG Direct Limited (FRN 786245). When you use HPS Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from HPS 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.

  • No website on the FCA register

  • Verified phone number

    07912 185548

  • Verified address

    5A The Arcade, Bedford, Bedford, MK40 1NS, United Kingdom

Also trades as
  • HPS Insurance

Company details

From the company's Companies House record.

Company number
14583389
Company status
Active
Company type
Private limited company
Incorporated
10 January 2023 (3 years old)
Registered office
C/O Taxassist Accountants, 5a Market Hall, Bedford, MK40 1NS, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
Mark Edward Roberts Director Feb 1983 10 Jan 2023
Johanna Jean Hardie Director Sep 1993 28 Feb 2024
Ann Rachel Roberts Director Jun 1957 27 Sep 2024
Johanna Jean Hardie Secretary Not published 26 Jan 2023
Ann Rachel Roberts Secretary Not published 26 Jan 2023

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 TMG Direct 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.

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • HomeProtect Solutions Ltd

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Common questions

Frequently asked questions

Is HPS Financial Services Ltd FCA authorised?
HPS Financial Services Ltd (FRN 1015201) 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 HPS 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. HPS Financial Services Ltd (FRN 1015201) is an AR of TMG Direct Limited (FRN 786245). When you use HPS Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from HPS 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 HPS Financial Services?
Protection works through TMG Direct Limited, the principal firm responsible for HPS Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is HPS Financial Services a scam or clone?
HPS 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 HPS Financial Services's Firm Reference Number (FRN)?
HPS Financial Services's FRN is 1015201. You can verify it on the FCA register.