Complete Financial Ltd

Reference number: 1019904

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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

The Lending Channel Ltd Reference number: 626787 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.
  • Complete Financial Ltd (FRN 1019904) is an AR of The Lending Channel Ltd (FRN 626787). When you use Complete Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Complete Financial, 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

    07867 536087

  • Verified address

    Scottish Provident Buildings, 7 Donegall Square West, Belfast, Northern Ireland, BT1 6JH, United Kingdom

Company details

From the company's Companies House record.

Company number
NI702448
Company status
Active
Company type
Private limited company
Incorporated
27 September 2023 (2 years old)
Registered office
7 Donegall Square West, Belfast, Antrim, BT1 6JH, Northern Ireland
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities of insurance agents and brokers (SIC 66220)
  • Financial management (SIC 70221)

Current directors and secretaries

Name Role Born Appointed
Dwyer Patrick Grimley Director Mar 1977 27 Sep 2023
Aaron Stewart Ennis Director Feb 1975 23 Sep 2024

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 Lending Channel 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 Complete Financial Ltd FCA authorised?
Complete Financial Ltd (FRN 1019904) 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 Complete Financial?
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. Complete Financial Ltd (FRN 1019904) is an AR of The Lending Channel Ltd (FRN 626787). When you use Complete Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Complete Financial, 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 Complete Financial?
Protection works through The Lending Channel Ltd, the principal firm responsible for Complete Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Complete Financial a scam or clone?
Complete Financial 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 Complete Financial's Firm Reference Number (FRN)?
Complete Financial's FRN is 1019904. You can verify it on the FCA register.