Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 9 years
- Protected through the principal
- No FCA actions
- Active company since 2013
- Accounts filed up to 30 April 2025
Responsible principal firm
First Complete Limited Reference number: 435779 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.
- A Penny Saved Ltd (FRN 774910) is an AR of First Complete Limited (FRN 435779). When you use A Penny Saved's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from A Penny Saved, 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.
Website, phone number and address
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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No website on the FCA register
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Phone number
-
Address
69 Acre Lane, Bromborough, Wirral, Wirral, CH62 7BY, United Kingdom
In the full report: 2 background checks
- What kind of line 07980 547540 is
- Who else gives the postcode CH62 7BY
Other names (1)
If you were contacted under any of these names, it is this firm.
- Mortgage & Insurance Advice Services Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through First Complete 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 Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
FCA disciplinary action and complaints
No FCA disciplinary action.
The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company name
- A PENNY SAVED LIMITED
- Company number
- 08478478 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 8 April 2013 (13 years old)
- Registered office
- 255 Poulton Road, Wallasey, Wirral, CH44 4BT
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Andrew James Campbell | Director | Oct 1972 | 8 Apr 2013 | 10 other companies |
| Claire Michelle Campbell | Secretary | Not published | 18 Aug 2026 | – |
Other companies run by its director
A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.
- other companies
- 10
- closed down
- 1
- still active
- 9
In the full report: all 10 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
Filed accounts and finances
Net assets
£486k
+22% from £397k
Cash at bank
£38.5k
+422% from £7,387
Employees (average)
5
+25% from 4
Owed within a year
£75.8k
+107% from £36.7k
Net assets
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- The chart, over every year
- Every filed figure, year by year
About these figures
- Turnover
- Money taken from sales in the year, before any costs.
- Profit before tax
- What was left after the year’s costs, before corporation tax. A minus figure is a loss.
- Net assets, or total equity
- Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
- Total assets and total liabilities
- Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
- Cash at bank
- Money in the company’s accounts on the last day of the year.
- Owed within a year, owed after a year
- Debts and bills due in the next twelve months, and those due later.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 08478478. Figures are exactly as filed; nothing is estimated.
Key dates in its history
A Penny Saved’s history from the FCA register and Companies House, newest first.
2017
10 April 2017
- Began trading as "Mortgage & Insurance Advice Services"
FCA register
24 March 2017
- Became an appointed representative
FCA register
2016
6 April 2016
- Andrew James Campbell took control (75–100% of shares)
Companies House
2013
8 April 2013
- Incorporated at Companies House
- Andrew James Campbell appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like A Penny Saved
Other firms of the same type (mortgage adviser or broker), nearest first.
In Wirral
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on A Penny Saved
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 10 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 5 events in its history
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk