Spencer Hayes Protect Ltd

Reference number: 1051960

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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

Spencer Hayes Group Limited Reference number: 649816 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.
  • Spencer Hayes Protect Ltd (FRN 1051960) is an AR of Spencer Hayes Group Limited (FRN 649816). When you use Spencer Hayes Protect's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Spencer Hayes Protect, 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.

Company details

From the company's Companies House record.

Company number
16967761
Company status
Active
Company type
Private limited company
Incorporated
16 January 2026 (less than a year old)
Registered office
48 Union Street, Hyde, Cheshire, SK14 1ND, England
Nature of business
  • Life insurance (SIC 65110)

Current directors and secretaries

Name Role Born Appointed
Paul John Gordon Bentley Director Apr 1978 16 Jan 2026
Emma Louise Booth Director Sep 1982 16 Jan 2026
George Eastham Director Aug 1973 16 Jan 2026
Daniel Harry Robinson Director Apr 1976 16 Jan 2026

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 Spencer Hayes Group 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 Spencer Hayes Protect Ltd FCA authorised?
Spencer Hayes Protect Ltd (FRN 1051960) 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 Spencer Hayes Protect?
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. Spencer Hayes Protect Ltd (FRN 1051960) is an AR of Spencer Hayes Group Limited (FRN 649816). When you use Spencer Hayes Protect's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Spencer Hayes Protect, 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 Spencer Hayes Protect?
Protection works through Spencer Hayes Group Limited, the principal firm responsible for Spencer Hayes Protect's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Spencer Hayes Protect a scam or clone?
Spencer Hayes Protect 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 Spencer Hayes Protect's Firm Reference Number (FRN)?
Spencer Hayes Protect's FRN is 1051960. You can verify it on the FCA register.