Saving-You.com Ltd

Reference number: 432444

Instant download

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 Right Mortgage Limited Reference number: 649443 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.
  • Saving-You.com Ltd (FRN 432444) is an AR of The Right Mortgage Limited (FRN 649443). When you use Saving-You.com's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Saving-You.com, 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
  • The Mortgage Experts

Company details

From the company's Companies House record.

Company name
SAVING-YOU.COM LIMITED
Company number
05287234
Company status
Active
Company type
Private limited company
Incorporated
16 November 2004 (21 years old)
Registered office
177 Chorley Road, Adlington, Chorley, PR6 9LP, England
Nature of business
  • Financial management (SIC 70221)

Current directors and secretaries

Name Role Born Appointed
Steven Lionel Mayor Director Apr 1973 16 Nov 2004
Caroline Anne Mayor Director Dec 1969 30 Apr 2005
Caroline Anne Mayor Secretary Not published 16 Nov 2005

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 Right Mortgage Limited, 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 2 earlier registered names for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Carma UK Ltd
  • Saving-You.com

Download this page as a PDF report

£5 for a clean, timestamped copy you can keep, file or send on. It also helps keep the site free to use and free of ads.

Instant download

Common questions

Frequently asked questions

Is Saving-You.com Ltd FCA authorised?
Saving-You.com Ltd (FRN 432444) 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 Saving-You.com?
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. Saving-You.com Ltd (FRN 432444) is an AR of The Right Mortgage Limited (FRN 649443). When you use Saving-You.com's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Saving-You.com, 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 Saving-You.com?
Protection works through The Right Mortgage Limited, the principal firm responsible for Saving-You.com's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Saving-You.com a scam or clone?
Saving-You.com 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 Saving-You.com's Firm Reference Number (FRN)?
Saving-You.com's FRN is 432444. You can verify it on the FCA register.