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.
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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Phone number
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Address
Lake View, Lakeside, Cheadle, Cheshire, SK8 3GW, United Kingdom
In the full report: 3 background checks
- When togethermoney.com first appeared online, and whether it can receive email
- What kind of line 0161 956 3277 is, and the other firm that gives it
- Who else gives the postcode SK8 3GW
Other names (1)
If you were contacted under any of these names, it is this firm.
- Together Trading name: A name it trades under now.
Past FCA permissions and consumer protection
- 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.
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
- BRIDGING FINANCE LIMITED
- Company number
- 03166982 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 1 March 1996 (30 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)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Henry Neville Moser | Director | Sep 1949 | 1 Mar 1996 | 57 other companies |
| Gary Derek Beckett | Director | Jan 1969 | 6 Mar 2001 | 54 other companies |
| Christopher Mark Adams | Director | Mar 1986 | 17 Oct 2024 | 4 other companies |
| Andrew Anthony Hankin | Secretary | Not published | 13 Mar 2025 | – |
Other companies run by these 3 directors
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
- 67
- closed down
- 21
- went insolvent
- 2
In the full report: all 67 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- The 2 that went into liquidation or administration
- The 5 on the FCA register
- The 44 companies these 3 directors run together
- All 18 people who have ever been directors, with their dates
Key dates in its history
Bridging Finance’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- Together Financial Services Limited took control (75–100% of shares)
Companies House
2014
21 November 2014
- Registered with the FCA
FCA register
1996
1 March 1996
- Incorporated at Companies House
Companies House
In the full report: all 37 events
- All 37 events in its history (3 shown here)
- Every director appointment and resignation: 33
Firms connected to Bridging Finance
Other FCA-listed firms that share a director, phone number or address with Bridging Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 5
- share a director
- 5
- share its phone number
- 1
In the full report: all 5 connected firms, named
- How each is linked: shared directors (5), the same phone number (1), the same postcode (4)
- Who links each one: the named directors, with dates
Get the full report on Bridging Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 67 other companies its directors have run, named
- 3 background checks on its contact details
- All 37 events in its history
- 5 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Bridging Finance Ltd FCA authorised?
What is Bridging Finance’s phone number and website?
Is Bridging Finance a scam or clone?
Is my money safe with Bridging Finance?
Who owns Bridging Finance?
Who runs Bridging Finance?
How long has Bridging Finance been in business?
Does Bridging Finance use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk