Paul Young

Reference number: 580322

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Appointed representative

Paul Young 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

King Mortgages Ltd Reference number: 803561 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.
  • Paul Young (FRN 580322) is an AR of King Mortgages Ltd (FRN 803561). When you use Paul Young's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Paul Young, 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
  • PY Financial Services

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 King Mortgages 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 Paul Young FCA authorised?
Paul Young (FRN 580322) 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 Paul Young?
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. Paul Young (FRN 580322) is an AR of King Mortgages Ltd (FRN 803561). When you use Paul Young's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Paul Young, 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 Paul Young?
Protection works through King Mortgages Ltd, the principal firm responsible for Paul Young's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Paul Young a scam or clone?
Paul Young 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 Paul Young's Firm Reference Number (FRN)?
Paul Young's FRN is 580322. You can verify it on the FCA register.