Zuto Limited

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Addresses

The contact details this firm has registered with the FCA.

The regulated activities the FCA has granted this firm permission to carry out.

Authorised to Operate
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- · The firm can only agree to carry on the regulated activities specified in this Notice.
Arranges Investments

For Commercial, Retail (Non-Investment Insurance), Non-investment insurance contracts
Credit Brokering
Debt Negotiation
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- · Limited to debt adjusting which is provided in connection with the whole or partial settlement of credit agreements for vehicle finance
Debt Advice
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- · Limited to debt counselling which is provided in connection with the whole or partial settlement of credit agreements for vehicle finance
Investment Setup

For Commercial, Retail (Non-Investment Insurance), Non-investment insurance contracts

Senior staff personally approved by the FCA to hold their roles here.

James Stephen Wilkinson
IRN JSW01130
- SMF1 Chief Executive (since 9 Dec 2019)
- Responsible for Insurance Distribution (since 1 Oct 2018)
- CF3 Chief Executive (19 Jun 2015 to 8 Dec 2019)
- CF8 Apportionment and Oversight (7 Jul 2006 to 19 Jun 2015)
- Responsible for Insurance Mediation (7 Jul 2006 to 30 Sep 2018)
John McAllister Nicholson
IRN JXN23803
- SMF9 Chair of the Governing Body (13 Jan 2020 to 18 Nov 2025)
Katherine Louise Lomax
IRN KLL01024
- CF1 Director (19 Jun 2015 to 4 Oct 2016)
Lisa Middleton
IRN LXM01720
- [FCA CF] Significant management (9 Dec 2019 to 15 Oct 2021)
Martin David Jones
IRN MDJ01074
- CF1 Director (19 Jun 2015 to 13 Oct 2015)
Mary Beighton
IRN MXB00538
- SMF18 Other Overall Responsibility (since 20 Jun 2024)
- [FCA CF] Significant management (since 9 Dec 2019)
Paul Michael Ramsden
IRN PMR01114
- CF1 Director (19 Jun 2015 to 21 Mar 2018)
Richard Anthony Law
IRN RAL01178
- CF2 Non Executive Director (19 Jun 2015 to 1 Sep 2019)
Ryan Michael Dignan
IRN RMD01083
- Director of firm who is not a certification employee or a SMF manager (14 Jul 2020 to 18 Nov 2025)
- SMF3 Executive Director (9 Dec 2019 to 13 Jul 2020)
- CF1 Director (19 Jun 2015 to 8 Dec 2019)
Thomas Horton
IRN TXH01613
- CF1 Director (19 Jun 2015 to 31 Dec 2017)

Smaller firms operating under this firm's FCA authorisation.

HonestJohn.co.uk Limited (no longer appointed)
FRN 730382 · Appointed 28 Jul 2016 · Until 20 Sep 2016
Autovolo Limited (no longer appointed)
FRN 751698 · Appointed 4 Jul 2016 · Until 20 Sep 2016
Auto Trader Limited (no longer appointed)
FRN 457203 · Appointed 7 Dec 2015 · Until 4 Jul 2016
Haymarket Media Group Ltd (no longer appointed)
FRN 461960 · Appointed 26 Nov 2015 · Until 1 Jun 2017
Gumtree.com Limited (no longer appointed)
FRN 560524 · Appointed 25 Nov 2015 · Until 30 Jun 2023
Auto Trader Limited (no longer appointed)
FRN 725691 · Appointed 16 Nov 2015 · Until 4 Dec 2015

Updates to this firm's record on the FCA register.

No changes recorded yet.

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Any firm offering these services has to be authorised by the FCA.
Permissions: The specific regulated activities a firm is allowed to carry out, like advising on insurance, lending money or arranging investments. Anything outside this list isn't covered.
Approved individuals: Senior staff (directors, compliance officers and similar) have to be approved by the FCA personally before they can take up the role. They're held accountable for the firm's conduct.
Appointed representatives: Smaller firms can do regulated business under another firm's authorisation rather than getting their own. The bigger firm (the 'principal') is legally on the hook for what they do.

Information on this page is sourced from the official FCA register.