Harris Begley Lifetime Partners Ltd
Reference number: 489218
Instant download
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 18 years
- Protected through the principal
- No FCA actions
- Active company since 2003
- Accounts filed up to 31 March 2025
Responsible principal firm
Quilter Mortgage Planning Limited Reference number: 440718 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.
- Harris Begley Lifetime Partners Ltd (FRN 489218) is an AR of Quilter Mortgage Planning Limited (FRN 440718). When you use Harris Begley Lifetime Partners's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Harris Begley Lifetime Partners, 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
Savoy Court, Causewayhead, Penzance, Cornwall, TR18 2SP, United Kingdom
In the full report: 3 background checks
- When harrisbegley.co.uk first appeared online, and whether it can receive email
- What kind of line 01736 366550 is
- Who else gives the postcode TR18 2SP
Other names (5)
If you were contacted under any of these names, it is this firm.
- Harris Begley Financial Planning Trading name: A name it trades under now.
- Justin Lusher Mortgages Trading name: A name it trades under now.
- Harris Begley Ltd Former name: A name it was registered under before.
- CPT Mortgages Former trading name: A name it used to trade under.
- protectyourlovedones Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Quilter Mortgage Planning 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 name
- HARRIS BEGLEY LIFETIME PARTNERS LIMITED
- Company number
- 04991706 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 10 December 2003 (22 years old)
- Registered office
- 12-14 Upper Marlborough Road, St. Albans, AL1 3UR, England
- Nature of business
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- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Paul Merrigan | Director | Nov 1965 | 23 Dec 2020 | 25 other companies |
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
- 25
- closed down
- 4
- are FCA-registered
- 5
In the full report: all 25 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
- The 5 on the FCA register
- All 5 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£162k
Up £157k from £5,016
Cash at bank
£92.0k
+490% from £15.6k
Owed within a year
£129k
−3.9% from £135k
Assets and liabilities
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 04991706. 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
Harris Begley Lifetime Partners’s history from the FCA register and Companies House, newest first.
2025
25 November 2025
- Elizabeth Margaret Begley stopped being a part-owner
- Matthew Francis Begley stopped being a part-owner
- Paul Merrigan became a part-owner (25–50% of shares)
Companies House
2021
15 March 2021
- Changed its registered name from "Harris Begley Ltd"
FCA register
2018
28 February 2018
- Begley Group Limited took control (75–100% of shares)
- Ian Michael Harris stopped being a part-owner
- Kerry Anne Blewett Harris stopped being a part-owner
Companies House
2016
6 April 2016
- Elizabeth Margaret Begley became a part-owner (25–50% of shares)
- Ian Michael Harris became a part-owner (25–50% of shares)
- Kerry Anne Blewett Harris became a part-owner (25–50% of shares)
- Matthew Francis Begley became a part-owner (25–50% of shares)
Companies House
2008
22 September 2008
- Became an appointed representative
FCA register
2003
10 December 2003
- Incorporated at Companies House
Companies House
In the full report: all 30 events
- All 30 events in its history (13 shown here)
- Every director appointment and resignation: 9
Firms connected to Harris Begley Lifetime Partners
Other FCA-listed firms that share a director, phone number or address with Harris Begley Lifetime Partners. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 5
- share a director
- 5
In the full report: all 5 connected firms, named
- How each is linked: shared directors (5)
- Who links each one: the named directors, with dates
Firms like Harris Begley Lifetime Partners
Other firms of the same type (insurance broker), nearest first.
In Penzance
In the Truro (TR) postcode area
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 Harris Begley Lifetime Partners
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 25 other companies its directors have run, named
- 3 background checks on its contact details
- All 30 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