McGirls Money Management Ltd

Reference number: 211420

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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.

Responsible principal firm

Openwork Limited Reference number: 408285 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.
  • McGirls Money Management Ltd (FRN 211420) is an AR of Openwork Limited (FRN 408285). When you use McGirls Money Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from McGirls Money Management, 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 mcgirls.co.uk first appeared online, and whether it can receive email
  • What kind of line 01234 344111 is
  • Who else gives the postcode MK40 3JY
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Other names (3)

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

  • Linda Caroline McGirl Former name
  • McGirls Money Management Former name
  • Patrick Joseph Paul McGirl Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Openwork 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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
16634656
Company status
Active
Company type
Private limited company
Incorporated
7 August 2025 (1 year old)
Registered office
Provincial House, 3, Goldington Road, Bedford, MK40 3JY, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Benjamin Robert Davis Director Mar 1988 7 Aug 2025 1 other company
Jamie Lymer Director Jan 1990 7 Aug 2025 1 other company
Linda Caroline Mcgirl Director Oct 1958 7 Aug 2025 1 other company
Mark Wharton Director Jul 1980 7 Aug 2025 2 other companies

Other companies run by these 4 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
5
closed down
1
still active
4

In the full report: all 5 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Key dates in its history

McGirls Money Management’s history from the FCA register and Companies House, newest first.

Key events (8) All events (13)

2025

6 October 2025

  • Changed its registered name from "Linda Caroline McGirl"

FCA register

7 August 2025

  • Incorporated at Companies House
  • Benjamin Robert Davis became a part-owner (25–50% of shares)
  • Jamie Lymer became a part-owner (25–50% of shares)
  • Mark Wharton became a part-owner (25–50% of shares)

Companies House

2007

23 November 2007

  • Changed its registered name from "Patrick Joseph Paul McGirl"

FCA register

1 February 2007

  • Changed its registered name from "McGirls Money Management"

FCA register

2002

29 April 2002

  • Became an appointed representative

FCA register

In the full report: all 13 events

  • All 13 events in its history (8 shown here)
  • Every director appointment and resignation: 4
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Firms like McGirls Money Management

Other firms of the same type (insurance broker), nearest first.

In Bedford

C E J Fisher, G J Lilley & L A M BourkeBedfordAppointed representativeCato Real Estate LtdBedfordAppointed representativeDean & Kendall Financial Services LtdBedfordAppointed representativeFirst Choice Health LimitedBedfordAppointed representativeGrove Life LtdBedfordAppointed representativeHPS Financial Services LtdBedfordAppointed 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 McGirls Money Management

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 13 events in its history

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Frequently asked questions about this firm

Is McGirls Money Management Ltd FCA authorised?
McGirls Money Management Ltd (FRN 211420) 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 McGirls Money Management?
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. McGirls Money Management Ltd (FRN 211420) is an AR of Openwork Limited (FRN 408285). When you use McGirls Money Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from McGirls Money Management, 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 McGirls Money Management’s phone number and website?
The FCA register lists the phone number 01234 344111 and the website mcgirls.co.uk for McGirls Money Management. If you were given different contact details, use these to check with the firm before going any further.
Is McGirls Money Management a scam or clone?
McGirls Money Management 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 McGirls Money Management?
Protection works through Openwork Limited, the principal firm responsible for McGirls Money Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns McGirls Money Management?
Companies House lists 3 people with significant control of McGirls Money Management: Mr Mark Wharton (25–50% of shares), Mr Benjamin Robert Davis (25–50% of shares) and Mr Jamie Lymer (25–50% of shares).
Who runs McGirls Money Management?
Companies House lists 4 directors of McGirls Money Management: Benjamin Robert Davis, Jamie Lymer, Linda Caroline McGirl and Mark Wharton.
How long has McGirls Money Management been in business?
The company was formed on 7 August 2025.
Does McGirls Money Management use any other names?
It has previously used 3 other names: Linda Caroline McGirl, McGirls Money Management and Patrick Joseph Paul McGirl.

Sources and links

The full report on McGirls Money Management Ltd

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