MWLFS Limited

Reference number: 465610

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 financial.wrightandlord.com first appeared online, and whether it can receive email
  • What kind of line 01524 405855 is
  • Who else gives the postcode LA4 4AF
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Other names (3)

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

  • Wright & Lord Financial Services Trading name
  • Company Red Financial Services Ltd Former name
  • Post Notification - Complete - MWLFS Limited Former name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (4 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Arranging (bringing about) deals in investments
  • Making arrangements with a view to transactions in investments

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
06123558
Company status
Active
Company type
Private limited company
Incorporated
22 February 2007 (19 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Nicholas Wright Director Aug 1966 21 Jan 2008 6 other companies
Christopher Gates Director Sep 1970 20 Oct 2010 3 other companies
Deborah Jane Masterman Director Aug 1960 7 May 2021 1 other company
Holly Palmer Director Dec 1991 7 May 2021 1 other company

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
9
closed down
1
run together
2

In the full report: all 9 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
  • The 2 companies these 4 directors run together
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Full accountsNot audited

Total equity

£20.1k

Same as £20.1k

Cash at bank

£31.9k

+593% from £4,609

Owed within a year

£78.3k

+30% from £60.1k

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
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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 06123558. 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

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

Key events (15) All events (29)

2023

22 September 2023

  • Changed its registered name from "MWLFS Limited"
  • Changed its registered name from "Post Notification - Complete - MWLFS Limited"

FCA register

2021

7 May 2021

  • D&H Financial Services Ltd became a part-owner (25–50% of shares)
  • Deborah Jane Masterman gained significant control
  • Holly Palmer gained significant control
  • Kathleen Margaret Mary Bridget Murray stopped being a part-owner

Companies House

2018

23 February 2018

  • Christopher Gates gained significant control
  • Stephen Nicholas Wright gained significant control
  • Wright & Lord Solicitors Ltd became a part-owner (25–50% of shares)

Companies House

2017

22 February 2017

  • Kathleen Margaret Mary Bridget Murray became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2007

30 November 2007

  • Changed its registered name from "Company Red Financial Services Ltd"

FCA register

11 May 2007

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

22 February 2007

  • Incorporated at Companies House

Companies House

In the full report: all 29 events

  • All 29 events in its history (15 shown here)
  • Every director appointment and resignation: 10
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Firms like Mwlfs

Other firms of the same type (financial adviser), nearest first.

In Morecambe

Kieron John BassettMorecambeAuthorisedInfinite Financial Planning LtdMorecambeAppointed representativeWalmsley Financial Planning LtdMorecambeAppointed 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 Mwlfs

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

  • 9 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 29 events in its history

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Frequently asked questions about this firm

Is MWLFS Limited FCA authorised?
Yes, MWLFS Limited (FRN 465610) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2007 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Mwlfs’ phone number and website?
The FCA register lists the phone number 01524 405855 and the website financial.wrightandlord.com for Mwlfs. If you were given different contact details, use these to check with the firm before going any further.
Is Mwlfs a scam or clone?
Mwlfs 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 Mwlfs?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Mwlfs to the Financial Ombudsman Service, free of charge.
Who owns Mwlfs?
Companies House lists 6 people with significant control of Mwlfs: D&H Financial Services Ltd (25–50% of shares), Wright & Lord Solicitors Ltd (25–50% of shares), Mrs Deborah Jane Masterman (significant influence or control), Mrs Holly Palmer (significant influence or control) and 2 more. Before that, it was controlled by Mrs Kathleen Margaret Mary Bridget Murray.
Who runs Mwlfs?
Companies House lists 4 directors of Mwlfs: Stephen Nicholas Wright, Christopher Gates, Deborah Jane Masterman and Holly Palmer.
How long has Mwlfs been in business?
The company was formed on 22 February 2007, and has held its current FCA authorisation since May 2007.
What do Mwlfs’ latest accounts show?
Its latest accounts, to 30 September 2025, show total equity of £20.1k (same as £20.1k) and cash at bank of £31.9k (+593% from £4,609).
Does Mwlfs use any other names?
It trades as Wright & Lord Financial Services. It has previously used 2 other names: Company Red Financial Services Ltd and Post Notification - Complete - MWLFS Limited.

Sources and links

The full report on MWLFS Limited

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