SMS Finance Limited

Reference number: 979432

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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

TSF Finance Limited Reference number: 842682 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.
  • SMS Finance Limited (FRN 979432) is an AR of TSF Finance Limited (FRN 842682). When you use SMS Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from SMS 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.

  • No website on the FCA register

  • Verified phone number

    07545 311186

  • Verified address

    76 Hamilton Road, Motherwell, ML1 3BY, United Kingdom

Company details

From the company's Companies House record.

Company number
SC727187
Company status
Active
Company type
Private limited company
Incorporated
22 March 2022 (4 years old)
Registered office
1 Cambuslang Court, Glasgow, G32 8FH, Scotland
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Current directors and secretaries

Name Role Born Appointed
Sarah May Sheeran Director May 1995 22 Mar 2022

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 TSF Finance 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 SMS Finance Limited FCA authorised?
SMS Finance Limited (FRN 979432) 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 SMS Finance?
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. SMS Finance Limited (FRN 979432) is an AR of TSF Finance Limited (FRN 842682). When you use SMS Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from SMS 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.
Is my money safe with SMS Finance?
Protection works through TSF Finance Limited, the principal firm responsible for SMS Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is SMS Finance a scam or clone?
SMS 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 SMS Finance's Firm Reference Number (FRN)?
SMS Finance's FRN is 979432. You can verify it on the FCA register.