Fluent Bridging Limited

Reference number: 946250

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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.
  • Fluent Bridging Limited (FRN 946250) 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 Fluent Bridging, 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.

Also trades as
  • Fluent Money

Company details

From the company's Companies House record.

Company number
13198365
Company status
Active
Company type
Private limited company
Incorporated
12 February 2021 (5 years old)
Registered office
Unit 102, Rivington House Chorley New Road, Horwich, Bolton, BL6 5UE, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Simon Moore Director Aug 1973 12 Feb 2021
Timothy Allen Wheeldon Director Sep 1966 12 Feb 2021
Peter Christopher Steven Brodnicki Director May 1962 11 Jul 2022
Emilie Nadia Marcelline Burgaud Mccarthy Director Dec 1980 18 Jun 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 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 Fluent Bridging Limited FCA authorised?
Fluent Bridging Limited (FRN 946250) 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 Fluent Bridging?
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. Fluent Bridging Limited (FRN 946250) 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 Fluent Bridging, 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 Fluent Bridging?
Protection works through the principal firm responsible for Fluent Bridging's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Fluent Bridging a scam or clone?
Fluent Bridging 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 Fluent Bridging's Firm Reference Number (FRN)?
Fluent Bridging's FRN is 946250. You can verify it on the FCA register.