Lawrence Bolarinwa

Reference number: 756684

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Appointed representative

Lawrence Bolarinwa 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

PIVOTAL FINANCIAL LIMITED Reference number: 665649 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.
  • Lawrence Bolarinwa (FRN 756684) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use Lawrence Bolarinwa's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Lawrence Bolarinwa, 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.

In the full report: 3 background checks

  • When charcol.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 7933 9695 is
  • Who else gives the postcode EC3V 1LP
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Other names (1)

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

  • John Charcol Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Pivotal Financial 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, 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

Lawrence Bolarinwa’s history from the FCA register and Companies House, newest first.

2016

24 August 2016

  • Became an appointed representative
  • Began trading as "John Charcol"

FCA register

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

Firms connected to Lawrence Bolarinwa

Other FCA-listed firms that share a director, phone number or address with Lawrence Bolarinwa. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Lawrence Bolarinwa

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

In London

Purplebricks Mortgages LimitedLondonAppointed representativeDavid RounsfellLondonAppointed representativeEma Private Finance LimitedLondonAppointed representativeHarris ZubairLondonAppointed representativeHeather MaCaskillLondonAppointed representativeMatthew DalyLondonAppointed 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 Lawrence Bolarinwa

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

  • 3 background checks on its contact details
  • All 2 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lawrence Bolarinwa FCA authorised?
Lawrence Bolarinwa (FRN 756684) 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 Lawrence Bolarinwa?
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. Lawrence Bolarinwa (FRN 756684) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use Lawrence Bolarinwa's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lawrence Bolarinwa, 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 Lawrence Bolarinwa’s phone number and website?
The FCA register lists the phone number 020 7933 9695 and the website charcol.co.uk for Lawrence Bolarinwa. If you were given different contact details, use these to check with the firm before going any further.
Is Lawrence Bolarinwa a scam or clone?
Lawrence Bolarinwa 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 Lawrence Bolarinwa?
Protection works through Pivotal Financial Limited, the principal firm responsible for Lawrence Bolarinwa's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Lawrence Bolarinwa use any other names?
It trades as John Charcol.

Sources and links

The full report on Lawrence Bolarinwa

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