Choosa Ltd: FCA regulated?

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 1 year
Protected through the principal
No FCA actions
Active company since 2025
1 thing worth a closer look in the background checks

Responsible principal firm

Warwick Financial Services Limited Reference number: 622839 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.
Choosa Ltd (FRN 1031334) is an AR of Warwick Financial Services Limited (FRN 622839). When you use Choosa's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Choosa, 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.

Website

choosa.co.uk (opens in a new tab)
Phone number

07972 278338
Address

71-75 Shelton Street, London, WC2H 9JQ, United Kingdom

In the full report: 3 background checks, 1 thing worth a closer look

When choosa.co.uk first appeared online, and whether it can receive email
What kind of line 07972 278338 is
Whether WC2H 9JQ is a shared office: 189 other firms give it

Other names (1)

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

choosa.co.uk Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Warwick 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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: 16331263 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 20 March 2025 (1 year old)
Registered office: 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Steven Smith	Director	Sep 1973	20 Mar 2025	None
Gary Steven Tatham	Director	Jul 1980	20 Mar 2025	4 other companies
Gary Tatham	Secretary	Not published	20 Mar 2025	–

Other companies run by these 2 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: 4
closed down: 1
is FCA-registered: 1

In the full report: all 4 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register

Key dates in its history

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

Key events (4) All events (8)

2025

2 May 2025

Became an appointed representative

FCA register

20 March 2025

Incorporated at Companies House
Gary Steven Tatham became the majority owner (50–75% of shares)
Steven Smith became a part-owner (25–50% of shares)

Companies House

In the full report: all 8 events

All 8 events in its history (4 shown here)
Every director appointment and resignation: 2

Firms connected to Choosa

Other FCA-listed firms that share a director, phone number or address with Choosa. A link shows who the firm is tied to, not whether either can be trusted.

connected firm: 1
share a director: 1

In the full report: the connected firm, named

How it is linked: shared directors (1)
Who links it to this firm: the named directors, with dates

Firms like Choosa

Other firms of the same type (credit broker), nearest first.

In London

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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 Choosa

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

4 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
All 8 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Choosa Ltd FCA authorised?

Choosa Ltd (FRN 1031334) 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 Choosa?

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. Choosa Ltd (FRN 1031334) is an AR of Warwick Financial Services Limited (FRN 622839). When you use Choosa's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Choosa, 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 Choosa’s phone number and website?

The FCA register lists the phone number 07972 278338 and the website choosa.co.uk for Choosa. If you were given different contact details, use these to check with the firm before going any further.

Is Choosa a scam or clone?

Choosa 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 Choosa?

Protection works through Warwick Financial Services Limited, the principal firm responsible for Choosa's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Choosa?

Companies House lists 2 people with significant control of Choosa: Mr Gary Steven Tatham (50–75% of shares) and Mr Steven Smith (25–50% of shares).

Who runs Choosa?

Companies House lists 2 directors of Choosa: Steven Smith and Gary Steven Tatham.

How long has Choosa been in business?

The company was formed on 20 March 2025.

Does Choosa use any other names?

It trades as choosa.co.uk.