PAB Finance Ltd
Reference number: 940096
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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
REAL FINANCE LTD Reference number: 809389 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.
- PAB Finance Ltd (FRN 940096) is an AR of REAL FINANCE LTD (FRN 809389). When you use PAB Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from PAB 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.
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No website on the FCA register
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Verified phone number
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Verified address
Suite G1B, Salvus House, Aykley Heads, Durham, DH1 5TS, United Kingdom
- PAB Finance Ltd t/a Real Finance
Company details
From the company's Companies House record.
- Company number
- 13018811
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 15 November 2020 (5 years old)
- Registered office
- Suite G1b Salvus House, Aykley Heads, Durham, Co Durham, DH1 5TS, United Kingdom
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Current directors and secretaries
| Name | Role | Born | Appointed |
|---|---|---|---|
| Peter Blacklock | Director | Sep 1965 | 15 Nov 2020 |
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.
Fake phone numbers (1)
- 020 3393 4126
Fake email addresses (2)
- contact@thecommercialfinance.co.uk
- info@thecommercialfinance.co.uk
The FCA warning these came from
- thecommercialfinance.co.uk 22 February 2024
Scammers change these details often. Always check the live FCA warning.
Activities and protection
What they can do, and how you are protected
- Protection through the principal firmProtection works through REAL FINANCE 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.
The clone warnings above are scammers using this firm's name, not something the firm has done.
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.
- Commercial Finance Ltd
Names it no longer trades under
This firm has retired one trading name. 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 name
- Commercial Finance Ltd t/a Real Finance
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