Laurence O'Toole

Reference number: 1004545

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Appointed representative

Laurence O'Toole does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

Beneficial Ltd Reference number: 736655 Authorised 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.
  • Laurence O'Toole (FRN 1004545) is an AR of Beneficial Ltd (FRN 736655). When you use Laurence O'Toole's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Laurence O'Toole, 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.

  • No website on the FCA register

  • Phone number

    07736 668810

  • Address

    30 Bridgewater Close, Frodsham, Cheshire West and Chester, WA6 7GY, United Kingdom

In the full report: 2 background checks

  • What kind of line 07736 668810 is
  • Who else gives the postcode WA6 7GY
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • We Have The Solution Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Beneficial Ltd, 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, free
    You 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.

Key dates in its history

Laurence O'Toole’s history from the FCA register and Companies House, newest first.

2023

5 November 2023

  • Became an appointed representative
  • Began trading as "We Have The Solution"

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms like Laurence O'Toole

Other firms of the same type (mortgage adviser or broker), nearest first.

In the Warrington (WA) postcode area

Attache LimitedAltrinchamAppointed representativeBascom Financial Services LimitedWarringtonAppointed representativeBay Tree Finance LtdWarringtonAppointed representativeBespoke Funding Solutions LimitedSt. HelensAppointed representativeCheshire Asset Finance LimitedAltrinchamAppointed representativeCIAO Finance LtdAppointed representative

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 Laurence O'Toole

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 2 background checks on its contact details
  • All 2 events in its history

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Frequently asked questions about this firm

Is Laurence O'Toole FCA authorised?
Laurence O'Toole (FRN 1004545) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Laurence O'Toole?
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. Laurence O'Toole (FRN 1004545) is an AR of Beneficial Ltd (FRN 736655). When you use Laurence O'Toole's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Laurence O'Toole, 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.
What is Laurence O'Toole’s phone number?
The FCA register lists the phone number 07736 668810 for Laurence O'Toole. If you were given different contact details, use these to check with the firm before going any further.
Is Laurence O'Toole a scam or clone?
Laurence O'Toole is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Laurence O'Toole?
Protection works through Beneficial Ltd, the principal firm responsible for Laurence O'Toole's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Laurence O'Toole use any other names?
It trades as We Have The Solution.

Sources and links

The full report on Laurence O'Toole

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