Timothy Francis

Reference number: 425363

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Appointed representative

Timothy Francis does not hold FCA authorisation of their own. It acts under a principal firm, which is legally responsible for their 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.
  • Timothy Francis (FRN 425363) is an AR of The Right Mortgage Limited (FRN 649443). When you use Timothy Francis's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Timothy Francis, 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

    07785 921234

  • Verified address

    12 Red Lion Lane, Chobham, Woking, Surrey, GU24 8RH, United Kingdom

Also trades as
  • Francis Cole

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.

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Common questions

Frequently asked questions

Is Timothy Francis FCA authorised?
Timothy Francis (FRN 425363) 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 Timothy Francis?
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. Timothy Francis (FRN 425363) is an AR of The Right Mortgage Limited (FRN 649443). When you use Timothy Francis's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Timothy Francis, 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 Timothy Francis?
Protection works through The Right Mortgage Limited, the principal firm responsible for Timothy Francis's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Timothy Francis a scam or clone?
Timothy Francis 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 Timothy Francis's Firm Reference Number (FRN)?
Timothy Francis's FRN is 425363. You can verify it on the FCA register.