Pearl Smile (Manchester) Limited

Reference number: 957130

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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

Financing First Limited Reference number: 720098 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.
  • Pearl Smile (Manchester) Limited (FRN 957130) is an AR of Financing First Limited (FRN 720098). When you use Pearl Smile (Manchester)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Pearl Smile (Manchester), 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
  • Pearl Smile
  • Pearl Smile Dentist
  • Pearl Smile Dentist Manchester

Company details

From the company's Companies House record.

Company number
11953983
Company status
Active
Company type
Private limited company
Incorporated
18 April 2019 (7 years old)
Registered office
31 Prestbury Road, Wilmslow, SK9 2LJ, England
Nature of business
  • Dental practice activities (SIC 86230)

Current directors and secretaries

Name Role Born Appointed
Nilesh Bhavsar (Dr) Director Dec 1982 18 Apr 2019
Leena Jassi (Dr) Director Oct 1981 18 Apr 2019

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 Financing First 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 Pearl Smile (Manchester) Limited FCA authorised?
Pearl Smile (Manchester) Limited (FRN 957130) 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 Pearl Smile (Manchester)?
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. Pearl Smile (Manchester) Limited (FRN 957130) is an AR of Financing First Limited (FRN 720098). When you use Pearl Smile (Manchester)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Pearl Smile (Manchester), 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 Pearl Smile (Manchester)?
Protection works through Financing First Limited, the principal firm responsible for Pearl Smile (Manchester)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Pearl Smile (Manchester) a scam or clone?
Pearl Smile (Manchester) 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 Pearl Smile (Manchester)'s Firm Reference Number (FRN)?
Pearl Smile (Manchester)'s FRN is 957130. You can verify it on the FCA register.