Andrew Lawrenson

Reference number: 511127

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Appointed representative

Andrew Lawrenson does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

Personal Touch Financial Services Limited Reference number: 187834 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.
  • Andrew Lawrenson (FRN 511127) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Andrew Lawrenson's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Andrew Lawrenson, 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.

In the full report: 3 background checks

  • When simplefinancialsolutions.co.uk first appeared online, and whether it can receive email
  • What kind of line +44 0844 0844 is
  • Who else gives the postcode M45 7TH
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • Simple Financial Solutions Trading name
  • WFAL Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Personal Touch Financial Services 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, free
    You 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.

Key dates in its history

Andrew Lawrenson’s history from the FCA register and Companies House, newest first.

Key events (3) All events (6)

2022

11 November 2022

  • Changed its registered name from "Simple Financial Solutions"

FCA register

14 February 2022

  • Changed its registered name from "WFAL Ltd"

FCA register

2009

26 October 2009

  • Became an appointed representative

FCA register

In the full report: all 6 events

  • All 6 events in its history (3 shown here)
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Firms like Andrew Lawrenson

Other firms of the same type (mortgage adviser or broker), nearest first.

In Manchester

ClearScore Home Lending LimitedManchesterAppointed representativeAnthony MorrisManchesterAppointed representativeBell Financial Solutions LtdManchesterAppointed representativeBusy Bee Commercial Finance LimitedManchesterAppointed representativeCaldermont Private Finance LtdManchesterAppointed representativeCH Finance (UK) LimitedManchesterAppointed representative

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 Andrew Lawrenson

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 3 background checks on its contact details
  • All 6 events in its history

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Frequently asked questions about this firm

Is Andrew Lawrenson FCA authorised?
Andrew Lawrenson (FRN 511127) 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 Andrew Lawrenson?
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. Andrew Lawrenson (FRN 511127) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Andrew Lawrenson's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Andrew Lawrenson, 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.
What is Andrew Lawrenson’s phone number and website?
The FCA register lists the phone number +44 0844 0844 and the website simplefinancialsolutions.co.uk for Andrew Lawrenson. If you were given different contact details, use these to check with the firm before going any further.
Is Andrew Lawrenson a scam or clone?
Andrew Lawrenson is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Andrew Lawrenson?
Protection works through Personal Touch Financial Services Limited, the principal firm responsible for Andrew Lawrenson's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Andrew Lawrenson use any other names?
It trades as Simple Financial Solutions. It has previously used the name WFAL Ltd.

Sources and links

The full report on Andrew Lawrenson

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