Which? Limited

Reference number: 1041191

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Acts as a payment agent

This firm does not hold FCA authorisation of its own. It acts as a payment agent under another firm's authorisation.

Responsible principal firm

Bud Financial Limited Reference number: 793327 Authorised View firm →

Same company

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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
00677665
Company status
Active
Company type
Private limited company
Incorporated
13 December 1960 (65 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Publishing of consumer and business journals and periodicals (SIC 58142)
  • Other publishing activities (SIC 58190)

Current directors and secretaries

Name Role Born Appointed
Ms Anabel Hoult Director Dec 1969 1 Oct 2018
Kevin Harry Gaskell Director Nov 1963 1 Jan 2021
Kenneth Danquah Director Nov 1985 1 Apr 2022
Christina Jane Scott Director Sep 1970 11 Sep 2024
Emma Jane Scott Director May 1968 11 Sep 2024
James Edward Fairclough Director May 1976 23 Jan 2026
Nigel Gregory Vaz Director Apr 1978 2 Feb 2026
Charmian Averty Secretary Not published 11 Jun 2015

Check on the FCA register → Report a scam →

Activities and protection

What the record covers, and how you are protected

  • Protection works through the principal
    This firm acts as an agent of an authorised payment or e-money firm rather than holding its own authorisation. FSCS does not protect money held by an agent. Funds should be safeguarded by the principal, and the Financial Ombudsman Service may still be able to look at a complaint.

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 Which? Limited FCA authorised?
Which? Limited (FRN 1041191) is on the FCA register as an agent of an authorised payment or e-money firm. It does not hold its own authorisation: it acts under the principal's, and the principal is responsible for the money.
Is my money safe with Which??
Which? is an agent, so it does not hold its own FCA authorisation and FSCS does not protect money held by an agent. Your money should be safeguarded by the authorised firm it acts for. You can still refer a complaint to the Financial Ombudsman Service, which may be able to look at it.
Is Which? a scam or clone?
Which? 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 Which?'s Firm Reference Number (FRN)?
Which?'s FRN is 1041191. You can verify it on the FCA register.