Together Commercial Finance Ltd
Reference number: 621234
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On the register, but not FCA authorised
This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.
What does this mean?
- Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
- What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
- It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
- So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.
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.
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Verified website
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Verified phone number
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Verified address
Lake View, Lakeside, Cheadle, Cheshire, SK8 3GW, United Kingdom
- Together
Company details
From the company's Companies House record.
- Company name
- TOGETHER COMMERCIAL FINANCE LIMITED
- Company number
- 02058813
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 26 September 1986 (39 years old)
- Registered office
- Matches the FCA register address ✓
- Nature of business
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- Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)
Current directors and secretaries
| Name | Role | Born | Appointed |
|---|---|---|---|
| Gary Derek Beckett | Director | Jan 1969 | 15 Jun 2000 |
| Christopher Mark Adams | Director | Mar 1986 | 17 Oct 2024 |
| Henry Neville Moser | Director | Sep 1949 | Not published |
| Andrew Anthony Hankin | Secretary | Not published | 13 Mar 2025 |
Activities and protection
What the record covers, and how you are protected
- Money-laundering registration onlyThis firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
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.
- Lancashire Mortgage Corporation Ltd
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