Financial Experience 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 17 years
Protected through the principal
No FCA actions
Active company since 2006
Accounts filed up to 30 April 2026
On its latest accounts it owed £49.0k more than it owned
1 thing worth a closer look in the background checks

Responsible principal firm

Quilter Financial Services Limited Reference number: 440703 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.
Financial Experience Ltd (FRN 500493) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Financial Experience's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Financial Experience, 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

f-ex.co.uk (opens in a new tab)
Phone number

01257 226666
Address

4 East Terrace Business Park, Euxton Lane, Euxton, Chorley, Lancashire, PR7 6TB, United Kingdom

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

When f-ex.co.uk first appeared online, and whether it can receive email
What kind of line 01257 226666 is, and the other firm that gives it
Who else gives the postcode PR7 6TB

Other names (5)

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

Blanchard Financial Former trading name: A name it used to trade under.
Mortgage Experience Former trading name: A name it used to trade under.
Newby Consultancy Former trading name: A name it used to trade under.
Retirement Experience Former trading name: A name it used to trade under.
Yorkshire Equity Release Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Quilter 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 name: FINANCIAL EXPERIENCE LIMITED
Company number: 05895083 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 3 August 2006 (20 years old)
Registered office: 1st Floor Waterside House, Waterside Drive, Wigan, Lancashire, WN3 5AZ, England
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Suzanne Evans	Director	Sep 1967	3 Aug 2006	2 other companies
Alistair Grant Jameson	Director	Feb 1979	21 Sep 2026	3 other companies
Elizabeth Sheila Roberts	Secretary	Not published	3 Aug 2006	–

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: 5
closed down: 4
is FCA-registered: 1

In the full report: all 5 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

Filed accounts and finances

Year to 30 April 2026Full accountsNot audited

Total equity

−£49.0k

No earlier figure to compare

Cash at bank

£323

Up £118 from £205

Owed within a year

£49.3k

−19% from £61.2k

Total equity is negative: on its last balance sheet the company owed £49.0k more than it owned.

Assets and liabilities

In the full report: all 8 years of accounts

Every year from 2019 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.

Accounts filed at Companies House for company 05895083. 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

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

Key events (3) All events (15)

2016

1 July 2016

Suzanne Evans took control (75–100% of shares)

Companies House

2009

6 May 2009

Became an appointed representative

FCA register

2006

3 August 2006

Incorporated at Companies House

Companies House

In the full report: all 15 events

All 15 events in its history (3 shown here)
Every director appointment and resignation: 2

Firms connected to Financial Experience

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

connected firms: 4
share its phone number: 1
share its postcode: 4

In the full report: all 4 connected firms, named

How each is linked: the same phone number (1), the same postcode (4)
Who links each one: the named directors, with dates

Firms like Financial Experience

Other firms of the same type (financial adviser), nearest first.

In Chorley

Anton KirkpatrickChorleyAppointed representative ARW Wealth Management LimitedChorleyAppointed representative Charnock & Adlington Wealth Planning LimitedChorleyAppointed representative CJ Workplace LtdChorleyAppointed representative Grosvenor Partners Financial Services LtdChorleyAppointed representative Harness Wealth Management LtdChorleyAppointed representative

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 Financial Experience

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

5 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
8 years of accounts, charted
All 15 events in its history
4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Financial Experience Ltd FCA authorised?

Financial Experience Ltd (FRN 500493) 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 Financial Experience?

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. Financial Experience Ltd (FRN 500493) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Financial Experience's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Financial Experience, 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 Financial Experience’s phone number and website?

The FCA register lists the phone number 01257 226666 and the website f-ex.co.uk for Financial Experience. 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 Financial Experience a scam or clone?

Financial Experience 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 Financial Experience?

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

Who owns Financial Experience?

Companies House lists one person with significant control of Financial Experience: Mrs Suzanne Evans (75–100% of shares).

Who runs Financial Experience?

Companies House lists 2 directors of Financial Experience: Suzanne Evans and Alistair Grant Jameson.

How long has Financial Experience been in business?

The company was formed on 3 August 2006.

What do Financial Experience’s latest accounts show?

Its latest accounts, to 30 April 2026, show total equity of −£49.0k (no earlier figure to compare) and cash at bank of £323 (up £118 from £205).

Does Financial Experience use any other names?

It has previously used 5 other names, including Blanchard Financial, Mortgage Experience and Newby Consultancy.