L R Finance (North West) Limited
Reference number: 188116
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 28 years
- Protected through the principal
- No FCA actions
- Active company since 2011
- Accounts filed up to 31 December 2025
Responsible principal firm
HL Partnership Limited Reference number: 303397 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.
- L R Finance (North West) Limited (FRN 188116) is an AR of HL Partnership Limited (FRN 303397). When you use L R Finance (North West)'s services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from L R Finance (North West), 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
30 Hallgate, Wigan, Lancs, WN1 1LR, United Kingdom
In the full report: 3 background checks
- When lrfinancenw.com first appeared online, and whether it can receive email
- What kind of line 01942 739999 is
- Who else gives the postcode WN1 1LR
Other names (5)
If you were contacted under any of these names, it is this firm.
- L R Finance Trading name: A name it trades under now.
- Linda Regan Finance Former name: A name it was registered under before.
- L R Finance (North West) Ltd Former name: A name it was registered under before.
- L R Finance (NW) Ltd Former name: A name it was registered under before.
- Regan & Hallworth Financial Services Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through HL Partnership 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
- 07884082 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 15 December 2011 (14 years old)
- Registered office
- 30 Hallgate, Wigan, Greater Manchester, WN1 1LR
- Nature of business
-
- Other activities auxiliary to insurance and pension funding (SIC 66290)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Elanor Hill | Director | Jun 1971 | 15 Dec 2011 | None |
| Jeremy Paul Gibson | Director | May 1973 | 7 Aug 2026 | 87 other companies |
| Mayank Prakash | Director | Jan 1973 | 7 Aug 2026 | 57 other companies |
Other companies run by these 3 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
- 92
- closed down
- 16
- went insolvent
- 1
In the full report: all 92 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- The one that went into liquidation or administration
- The 37 on the FCA register, including one no longer authorised
- The 52 companies these 3 directors run together
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£153k
+74% from £87.9k
Cash at bank
£122k
+27% from £95.3k
Owed within a year
£51.2k
−20% from £64.1k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- 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 07884082. 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
L R Finance (North West)’s history from the FCA register and Companies House, newest first.
2026
7 August 2026
- Elanor Hill gave up control
- Pivotal Growth Limited took control (75–100% of shares)
Companies House
2025
13 March 2025
- Changed its registered name from "L R Finance (North West) Ltd"
FCA register
2024
1 March 2024
- Vj Whittle stopped being a part-owner
Companies House
2016
1 July 2016
- Elanor Hill took control (75–100% of shares)
- Vj Whittle became a part-owner (25–50% of shares)
Companies House
2015
23 January 2015
- Changed its registered name from "L R Finance (NW) Ltd"
- Changed its registered name from "L R Finance"
FCA register
2012
27 February 2012
- Changed its registered name from "Linda Regan Finance"
FCA register
2011
15 December 2011
- Incorporated at Companies House
Companies House
2004
28 May 2004
- Changed its registered name from "Regan & Hallworth Financial Services"
FCA register
1998
15 July 1998
- Became an appointed representative
FCA register
In the full report: all 22 events
- All 22 events in its history (12 shown here)
- Every director appointment and resignation: 5
Firms connected to L R Finance (North West)
Other FCA-listed firms that share a director, phone number or address with L R Finance (North West). A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like L R Finance (North West)
Other firms of the same type (mortgage adviser or broker), nearest first.
In Wigan
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 L R Finance (North West)
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 92 other companies its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 22 events in its history
- 1 connected firm, 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