Fluent Money Limited
Reference number: 654425
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Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
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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Phone number
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Address
Unit 102, Rivington House Horwich Business Park, Chorley New Road, Horwich, Bolton, Lancashire, BL6 5UE, United Kingdom
In the full report: 3 background checks
- When fluentmoney.co.uk first appeared online, and whether it can receive email
- What kind of line 01204 477500 is
- Who else gives the postcode BL6 5UE
Other names (6)
If you were contacted under any of these names, it is this firm.
- Fluent Partners Trading name: A name it trades under now.
- Broker Helpline Former trading name: A name it used to trade under.
- Fluent for advisers Former trading name: A name it used to trade under.
- Fluent Lifestyle Former trading name: A name it used to trade under.
- Fluent View Former trading name: A name it used to trade under.
- My Fluent Former trading name: A name it used to trade under.
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.
Fake phone numbers (11)
- 0161 818 2040
- 0161 818 2305
- 0161 818 2392
- 0161 818 6070
- 0161 818 6348
- 0161 818 6474
- 0161 818 7070
- 0161 818 7755
- 0161 818 8038
- 020 7097 8786
- 020 8144 9126
Fake email addresses (6)
- fluent.loans@gmail.com
- fluentmoneyloanlenders@gmail.com
- fluentmoneyloans@gmail.com
- loanaccept01@gmail.com
- loancustomerhelpline@gmail.com
- ukloancustomerservice5@gmail.com
The FCA warning these came from
- The FluentMoney / Fluent Money Loan Lenders 19 May 2022
Scammers change these details often. Always check the live FCA warning.
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
- Advise on or arrange mortgages FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (7 permissions)
- Acting as a CBTL advisor
- Acting as a CBTL arranger
- Advising on regulated mortgage contracts
- Arranging (bringing about) regulated mortgage contracts
- Credit Broking
- Debt-counselling
- Making arrangements with a view to regulated mortgage contracts
Limits on what they may do
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Not permitted to canvass off trade premises
The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises
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.
The clone warnings above are scammers using this firm's name, not something the firm has done.
Companies House record
The company behind the firm: its status, age, registered office and directors.
Concerns on the company record
- Accounts are overdue at Companies House.
- Company number
- 06200496 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 3 April 2007 (19 years old)
- Registered office
- 102 Rivington House Chorley New Road, Horwich, Bolton, BL6 5UE, 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 |
|---|---|---|---|---|
| Paul Brendon Ford | Director | Jun 1977 | 2 Jun 2008 | 6 other companies |
| Simon Andrew Moore | Director | Aug 1973 | 2 Jun 2008 | 7 other companies |
| Timothy Allen Wheeldon | Director | Sep 1966 | 28 Nov 2008 | 14 other companies |
| Peter Christopher Steven Brodnicki | Director | May 1962 | 11 Jul 2022 | 22 other companies |
| Joanne Thomson Stent | Director | Apr 1974 | 1 Oct 2026 | 14 other companies |
Other companies run by these 5 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
- 40
- closed down
- 4
- went insolvent
- 5
In the full report: all 40 companies, named
- What each company does, and whether it is still trading
- Which of these 5 directors sit on each board, and since when
- The 5 that went into liquidation or administration
- The 7 on the FCA register
- The 14 companies these 5 directors run together
- All 20 people who have ever been directors, with their dates
Key dates in its history
Fluent Money’s history from the FCA register and Companies House, newest first.
2022
19 May 2022
- FCA warned the public about a scam impersonating this firm
FCA warning list
2016
6 April 2016
- The Fluent Money Group Limited took control (75–100% of shares)
Companies House
2015
14 December 2015
- FCA imposed a requirement (Not permitted to canvass off trade premises)
FCA register
17 June 2015
- Regulated by the FCA from this date
- Became authorised by the FCA
FCA register
2008
6 June 2008
- Board replaced: both directors left and 2 new directors took over
Companies House
2007
3 April 2007
- Incorporated at Companies House
Companies House
In the full report: all 54 events
- All 54 events in its history (7 shown here)
- Every director appointment and resignation: 35
Firms connected to Fluent Money
Other FCA-listed firms that share a director, phone number or address with Fluent Money. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 6
- share a director
- 5
- share its postcode
- 2
In the full report: all 6 connected firms, named
- How each is linked: shared directors (5), the same postcode (2)
- Who links each one: the named directors, with dates
- 2 past links through former directors
Firms like Fluent Money
Other firms of the same type (mortgage adviser or broker), nearest first.
In Bolton
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 Fluent Money
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 40 other companies its directors have run, named
- 3 background checks on its contact details
- All 54 events in its history
- 6 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Fluent Money Limited FCA authorised?
What is Fluent Money’s phone number and website?
Is Fluent Money a scam or clone?
Is my money safe with Fluent Money?
Who owns Fluent Money?
Who runs Fluent Money?
How long has Fluent Money been in business?
Does Fluent Money use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- FCA warning: The FluentMoney / Fluent Money Loan Lenders fca.org.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk