Gregory Pennington Limited

Reference number: 1020534

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Acts as a payment agent

This firm does not hold FCA authorisation of its own. It acts as a payment agent under another firm's authorisation.

This is one of the company's FCA records. It separately holds full FCA authorisation under FRN 664019 →.

Responsible principal firm

Bud Financial Limited Reference number: 793327 Authorised View firm →

Same company

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.

Identity

Check their details

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.

Also trades as
  • Money Wellness
  • Think Link

Company details

From the company's Companies House record.

Company number
02855061
Company status
Active
Company type
Private limited company
Incorporated
20 September 1993 (32 years old)
Registered office
Blue Tower, Mediacityuk, Salford Quays, M50 2NT, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Jonathan Warr Director Apr 1964 28 Apr 1999
Stephen Andrew Stylianou Director May 1969 22 Mar 2002
Lee Mcneill Director Feb 1972 13 May 2021
Jonathan Warr Secretary Not published 29 Apr 2026

Check on the FCA register → Report a scam →

Activities and protection

What the record covers, and how you are protected

  • Protection works through the principal
    This firm acts as an agent of an authorised payment or e-money firm rather than holding its own authorisation. FSCS does not protect money held by an agent. Funds should be safeguarded by the principal, and the Financial Ombudsman Service may still be able to look at a complaint.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

Names it no longer trades under

This firm has retired 9 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • 4 UK Debt Consolidation
  • Bankruptcy Advisory Centre
  • Benesse Advice
  • Debt Advisors Scotland
  • Debt Advisory Centre
  • Debt Advisory Centre Scotland
  • Financial Wellness Group
  • Harrington Brooks
  • Money Freedom

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Common questions

Frequently asked questions

Is Gregory Pennington Limited FCA authorised?
Gregory Pennington Limited (FRN 1020534) is on the FCA register as an agent of an authorised payment or e-money firm. It does not hold its own authorisation: it acts under the principal's, and the principal is responsible for the money.
Is my money safe with Gregory Pennington?
Gregory Pennington is an agent, so it does not hold its own FCA authorisation and FSCS does not protect money held by an agent. Your money should be safeguarded by the authorised firm it acts for. You can still refer a complaint to the Financial Ombudsman Service, which may be able to look at it.
Is Gregory Pennington a scam or clone?
Gregory Pennington is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Gregory Pennington's Firm Reference Number (FRN)?
Gregory Pennington's FRN is 1020534. You can verify it on the FCA register.