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 2 years
- Protected through the principal
- No FCA actions
- Active company since 2021
- Accounts filed up to 31 March 2026
Responsible principal firm
First Complete Limited Reference number: 435779 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.
- Fairfield Financial Services Limited (FRN 1011056) is an AR of First Complete Limited (FRN 435779). When you use Fairfield Financial Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Fairfield Financial Services, 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.
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No website on the FCA register
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Phone number
-
Address
Office 13, Retford Enterprise Centre, Randall Way, Retford, DN22 7GR, United Kingdom
In the full report: 2 background checks
- What kind of line 07702 790090 is
- Who else gives the postcode DN22 7GR
Other names (1)
If you were contacted under any of these names, it is this firm.
- Nicholson & Cowling Financial Services Limited Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through First Complete 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, freeYou 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
- 13135033 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 January 2021 (5 years old)
- Registered office
- Suite 2 Chancery Court, 34 West Street, Retford, Nottinghamshire, DN22 6ES, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| James Michael Cowling | Director | Sep 1985 | 14 Jan 2021 | None |
| Mark James Nicholson | Director | Jan 1985 | 8 Jan 2024 | 6 other companies |
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
- 6
- closed down
- 4
- still active
- 2
In the full report: all 6 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
Filed accounts and finances
Net assets
£10.9k
+346% from £2,442
Employees (average)
1
Same as 1
Owed within a year
£19.8k
No earlier figure to compare
Assets and liabilities
In the full report: all 5 years of accounts
- Every year from 2022 to 2026
- The chart, over every year
- Every filed figure, year by year
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 13135033. 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
Fairfield Financial Services’s history from the FCA register and Companies House, newest first.
2025
17 December 2025
- Changed its registered name from "Nicholson & Cowling Financial Services Limited"
FCA register
2024
10 May 2024
- Became an appointed representative
FCA register
15 January 2024
- Mark James Nicholson became a part-owner (25–50% of shares)
Companies House
8 January 2024
- Mark James Nicholson appointed as a director
Companies House
2021
14 January 2021
- Incorporated at Companies House
- James Michael Cowling became a part-owner (25–50% of shares)
- James Michael Cowling appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Fairfield Financial Services
Other FCA-listed firms that share a director, phone number or address with Fairfield Financial Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 5
- no longer authorised
- 1
- share its postcode
- 5
In the full report: all 5 connected firms, named
- How each is linked: the same postcode (5)
- Who links each one: the named directors, with dates
Firms like Fairfield Financial Services
Other firms of the same type (mortgage adviser or broker), nearest first.
In Retford
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 Fairfield Financial Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 6 other companies its directors have run, named
- 2 background checks on its contact details
- 5 years of accounts, charted
- All 7 events in its history
- 5 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk