Torch UW Limited

Reference number: 1039643

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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

Pro MGA Solutions Ltd Reference number: 770419 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.
  • Torch UW Limited (FRN 1039643) is an AR of Pro MGA Solutions Ltd (FRN 770419). When you use Torch UW's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Torch UW, 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.

Company details

From the company's Companies House record.

Company number
16282437
Company status
Active
Company type
Private limited company
Incorporated
27 February 2025 (1 year old)
Registered office
70 Gracechurch Street, London, EC3V 0HR, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
Raoul Carlos Director Dec 1983 27 Feb 2025

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 Pro MGA Solutions 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 Torch UW Limited FCA authorised?
Torch UW Limited (FRN 1039643) 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 Torch UW?
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. Torch UW Limited (FRN 1039643) is an AR of Pro MGA Solutions Ltd (FRN 770419). When you use Torch UW's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Torch UW, 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 Torch UW?
Protection works through Pro MGA Solutions Ltd, the principal firm responsible for Torch UW's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Torch UW a scam or clone?
Torch UW 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 Torch UW's Firm Reference Number (FRN)?
Torch UW's FRN is 1039643. You can verify it on the FCA register.