LetRef Ltd
Reference number: 582536
Instant download
Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for 14 years
- Protected through the principal
- No FCA actions
- Active company since 2006
- Accounts filed up to 31 December 2025
- Its whole board of directors changed in September 2026
Responsible principal firm
Alan Boswell Insurance Brokers Limited Reference number: 301081 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- LetRef Ltd (FRN 582536) introduces customers to Alan Boswell Insurance Brokers Limited (FRN 301081). Any regulated advice or arranging is done by the principal, not LetRef.
- Example: if LetRef refers you to a financial adviser, the advice should come from the principal firm, not from LetRef itself.
- 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
LetRef Ltd, First Floor, 8 Spring Bridge Road, Ealing, London, W5 2AA, United Kingdom
In the full report: 3 background checks
- When letref.co.uk first appeared online, and whether it can receive email
- What kind of line 07595 120502 is
- Who else gives the postcode W5 2AA
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Alan Boswell Insurance Brokers 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
- 05988192 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 3 November 2006 (19 years old)
- Registered office
- C/O Mittal & Associates Spaces,, Aurora House, 71-75 Uxbridge Road,, Ealing,London, Ealing, W5 5SL, United Kingdom
- Nature of business
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- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Matthew Dawson Spence | Director | Sep 1969 | 23 Sep 2026 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- All 4 people who have been directors, with their dates
Filed accounts and finances
Net assets
£19.6k
+117% from £9,055
Cash at bank
£22.9k
+283% from £5,988
Employees (average)
7
Same as 7
Owed within a year
£31.8k
+38% from £23.0k
Net assets
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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 05988192. 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
LetRef’s history from the FCA register and Companies House, newest first.
2026
23 September 2026
- Board replaced: both directors left and a new director took over
- Cumbria Capital Ltd took control (75–100% of shares)
- Kathleen Bridget Hawes stopped being the majority owner
Companies House
2016
1 October 2016
- Kathleen Bridget Hawes became the majority owner (50–75% of shares)
Companies House
2012
8 June 2012
- Became an introducer appointed representative
FCA register
2006
3 November 2006
- Incorporated at Companies House
Companies House
In the full report: all 11 events
- All 11 events in its history (6 shown here)
- Every director appointment and resignation: 5
Firms like LetRef
Other firms of the same type (credit broker), nearest first.
In London
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 LetRef
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 11 events in its history
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Frequently asked questions about this firm
Is LetRef Ltd FCA authorised?
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Is LetRef a scam or clone?
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Who owns LetRef?
Who runs LetRef?
How long has LetRef been in business?
What do LetRef’s latest accounts show?
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