4U2B Limited

Reference number: 430054

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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.

The FCA register does not name a principal for this 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.
  • 4U2B Limited (FRN 430054) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm.
  • Example: if you take financial advice from 4U2B, 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

    01905 600228

  • Verified address

    2nd Floor Independence House, 16 Queen Street, Worcester, WR1 2PL, United Kingdom

Also trades as
  • 4U2B Lifestyle Financial Planning
  • Union Financial Planning
  • Union Lifestyle Financial Planning

Company details

From the company's Companies House record.

Company number
04884817
Company status
Active
Company type
Private limited company
Incorporated
2 September 2003 (22 years old)
Registered office
16 Queen Street, 2nd Floor Independence House, Worcester, Worcestershire, WR1 2PL, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
Philip Andrew Knowles Director Dec 1957 2 Sep 2003

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 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.

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • 4U2B Ltd

Names it no longer trades under

This firm has retired one trading name. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired name
  • First Service Financial

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Common questions

Frequently asked questions

Is 4U2B Limited FCA authorised?
4U2B Limited (FRN 430054) 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 4U2B?
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. 4U2B Limited (FRN 430054) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm. Example: if you take financial advice from 4U2B, 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 4U2B?
Protection works through the principal firm responsible for 4U2B's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is 4U2B a scam or clone?
4U2B 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 4U2B's Firm Reference Number (FRN)?
4U2B's FRN is 430054. You can verify it on the FCA register.