Fox Payne Associates Limited
Reference number: 215499
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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
Openwork Limited Reference number: 408285 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.
- Fox Payne Associates Limited (FRN 215499) is an AR of Openwork Limited (FRN 408285). When you use Fox Payne Associates's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Fox Payne Associates, 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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Phone number
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Address
7 Bridge Street, Caversham, Reading, RG4 8AE, United Kingdom
In the full report: 3 background checks
- When foxpayneassociates.co.uk first appeared online, and whether it can receive email
- What kind of line 0118 918 7570 is
- Who else gives the postcode RG4 8AE
Other names (10)
If you were contacted under any of these names, it is this firm.
- Fox Payne Associates Former name: A name it was registered under before.
- Fox Payne Associates Ltd Former name: A name it was registered under before.
- Matthew William Payne Former name: A name it was registered under before.
- Matt Payne Former name: A name it was registered under before.
- Brighter Financial Futures Former trading name: A name it used to trade under.
- Brighter Financial Ideas Former trading name: A name it used to trade under.
- Brighter Financial Solutions Former trading name: A name it used to trade under.
- Brighter Investment Solutions Former trading name: A name it used to trade under.
- Brighter Mortgage Solutions Former trading name: A name it used to trade under.
- Brighter Retirement Solutions Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Openwork 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
- 06104743 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 February 2007 (19 years old)
- Registered office
- 7 Bridge Street, Caversham, Reading, RG4 8AE, England
- Nature of business
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- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Matthew William Payne | Director | Apr 1961 | 14 Feb 2007 | 4 other companies |
| Charlotte Philippa Payne | Secretary | Not published | 14 Feb 2007 | – |
Other companies run by its director
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
- 2
- still active
- 2
In the full report: all 4 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
Key dates in its history
Fox Payne Associates’s history from the FCA register and Companies House, newest first.
2026
25 March 2026
- Antony Francis Rutzler gained significant control
Companies House
2016
6 April 2016
- Matthew William Payne took control (75–100% of shares)
Companies House
2015
2 December 2015
- Changed its registered name from "Fox Payne Associates Ltd"
FCA register
2007
10 April 2007
- Changed its registered name from "Matthew William Payne"
FCA register
14 February 2007
- Incorporated at Companies House
Companies House
25 January 2007
- Changed its registered name from "Fox Payne Associates"
FCA register
2005
15 August 2005
- Changed its registered name from "Matt Payne"
FCA register
2002
12 July 2002
- Became an appointed representative
FCA register
In the full report: all 22 events
- All 22 events in its history (8 shown here)
- Every director appointment and resignation: 1
Firms like Fox Payne Associates
Other firms of the same type (insurance broker), nearest first.
In Reading
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 Fox Payne Associates
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
- All 22 events in its history
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Frequently asked questions about this firm
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What does appointed representative mean for Fox Payne Associates?
What is Fox Payne Associates’ phone number and website?
Is Fox Payne Associates a scam or clone?
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Who owns Fox Payne Associates?
Who runs Fox Payne Associates?
How long has Fox Payne Associates been in business?
Does Fox Payne Associates use any other names?
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