Fairclough J Limited

Reference number: 997311

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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.

Responsible principal firm

Snap-on Finance UK Limited Reference number: 630814 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.
  • Fairclough J Limited (FRN 997311) is an AR of Snap-on Finance UK Limited (FRN 630814). When you use Fairclough J's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Fairclough J, 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.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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.

  • No website on the FCA register

  • Phone number

    07938 390102

  • Address

    17 Croft Drive, Moreton, Wirral, Cheshire, CH46 0QS, United Kingdom

In the full report: 2 background checks

  • What kind of line 07938 390102 is
  • Who else gives the postcode CH46 0QS
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Other names (3)

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

  • Snap-on Trading name
  • Snap-on Diagnostics Trading name
  • Snap-on Tools Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Snap-on Finance UK 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
14796732
Company status
Active
Company type
Private limited company
Incorporated
12 April 2023 (3 years old)
Registered office
Craven House 32 Lee Lane, Horwich, Bolton, BL6 7BY, England
Nature of business
  • Other retail sale not in stores, stalls or markets (SIC 47990)

Directors and company secretaries

Name Role Born Appointed Other companies
Joseph William Fairclough Director Jun 1984 12 Apr 2023 None
Claire Louise Fairclough Director Aug 1988 1 Sep 2023 None
Claire Louise Fairclough Secretary Not published 12 Apr 2023 –

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 30 April 2025Small company accountsNot audited

Net assets

£9,697

+39% from £6,982

Cash at bank

£30.5k

−15% from £35.8k

Employees (average)

2

Same as 2

Owed within a year

£95.2k

+39% from £68.7k

Assets and liabilities

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 14796732. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

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

Key events (3) All events (8)

2023

5 June 2023

  • Became an appointed representative

FCA register

12 April 2023

  • Incorporated at Companies House
  • Joseph William Fairclough took control (75–100% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (3 shown here)
  • Every director appointment and resignation: 2
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Get the full report on Fairclough J

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • All 8 events in its history

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Frequently asked questions about this firm

Is Fairclough J Limited FCA authorised?
Fairclough J Limited (FRN 997311) 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 Fairclough J?
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. Fairclough J Limited (FRN 997311) is an AR of Snap-on Finance UK Limited (FRN 630814). When you use Fairclough J's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Fairclough J, 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 Fairclough J’s phone number?
The FCA register lists the phone number 07938 390102 for Fairclough J. If you were given different contact details, use these to check with the firm before going any further.
Is Fairclough J a scam or clone?
Fairclough J 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 Fairclough J?
Protection works through Snap-on Finance UK Limited, the principal firm responsible for Fairclough J's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Fairclough J?
Companies House lists one person with significant control of Fairclough J: Joseph William Fairclough (75–100% of shares).
Who runs Fairclough J?
Companies House lists 2 directors of Fairclough J: Joseph William Fairclough and Claire Louise Fairclough.
How long has Fairclough J been in business?
The company was formed on 12 April 2023.
What do Fairclough J’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £9,697 (+39% from £6,982) and cash at bank of £30.5k (−15% from £35.8k).
Does Fairclough J use any other names?
It trades as Snap-on, Snap-on Diagnostics and Snap-on Tools.

Sources and links

The full report on Fairclough J Limited

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