Vista Cambio Ltd

Reference number: 1030524

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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

VISTA INSURANCE BROKERS LTD Reference number: 717743 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.
  • Vista Cambio Ltd (FRN 1030524) is an AR of VISTA INSURANCE BROKERS LTD (FRN 717743). When you use Vista Cambio's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Vista Cambio, 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

    0161 393 7111

  • Verified address

    Windmill Green Industrious, 24 Mount Street, 2nd Floor Industrious, Manchester, M2 3NX, United Kingdom

Company details

From the company's Companies House record.

Company number
16201708
Company status
Active
Company type
Private limited company
Incorporated
22 January 2025 (1 year old)
Registered office
Windmill Green Industrious, 24 Mount Street, 2nd Floor Industrious, Manchester, M2 3NX, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
Gavin Ruben Director Mar 1971 22 Jan 2025
Ryan Robert Waring Director Jun 1980 22 Jan 2025
Richard Charles Philip Whitham Director Apr 1980 22 Jan 2025

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 VISTA INSURANCE BROKERS 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 Vista Cambio Ltd FCA authorised?
Vista Cambio Ltd (FRN 1030524) 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 Vista Cambio?
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. Vista Cambio Ltd (FRN 1030524) is an AR of VISTA INSURANCE BROKERS LTD (FRN 717743). When you use Vista Cambio's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Vista Cambio, 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 Vista Cambio?
Protection works through VISTA INSURANCE BROKERS LTD, the principal firm responsible for Vista Cambio's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Vista Cambio a scam or clone?
Vista Cambio 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 Vista Cambio's Firm Reference Number (FRN)?
Vista Cambio's FRN is 1030524. You can verify it on the FCA register.