Bridging Finance Ltd

Reference number: 621439

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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.

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
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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 only
    This 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 status
Active
Company type
Private limited company
Incorporated
1 March 1996 (30 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • 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
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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
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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
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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?
Bridging Finance Ltd (FRN 621439) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
What is Bridging Finance’s phone number and website?
The FCA register lists the phone number 0161 956 3277 and the website togethermoney.com for Bridging Finance. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Bridging Finance a scam or clone?
Bridging Finance is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with Bridging Finance?
Money you hand to Bridging Finance is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns Bridging Finance?
Bridging Finance is owned by Together Financial Services Limited, which holds 75–100% of shares and 75–100% of votes, since 6 April 2016.
Who runs Bridging Finance?
Companies House lists 3 directors of Bridging Finance: Henry Neville Moser, Gary Derek Beckett and Christopher Mark Adams.
How long has Bridging Finance been in business?
The company was formed on 1 March 1996.
Does Bridging Finance use any other names?
It trades as Together.

Sources and links

The full report on Bridging Finance Ltd

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