Refresh Personal Finance Ltd

Reference number: 616559

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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

Lenvi Servicing Limited Reference number: 659783 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.
  • Refresh Personal Finance Ltd (FRN 616559) is an AR of Lenvi Servicing Limited (FRN 659783). When you use Refresh Personal Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Refresh Personal Finance, 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

    0844 811 8039

  • Address

    Highdown House, Yeoman Way, Worthing, West Sussex, BN99 3HH, United Kingdom

In the full report: 2 background checks

  • What kind of line 0844 811 8039 is
  • Who else gives the postcode BN99 3HH
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Other names (2)

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

  • Refresh Servicing Trading name
  • Refresh Mortgages Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Lenvi Servicing 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

Refresh Personal Finance’s history from the FCA register and Companies House, newest first.

Key events (1) All events (4)

2014

3 March 2014

  • Became an appointed representative

FCA register

In the full report: all 4 events

  • All 4 events in its history (1 shown here)
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Firms like Refresh Personal Finance

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

In Worthing

Apollo Mortgages LimitedWorthingAppointed representativeArrow Mortgage Solutions LtdWorthingAppointed representativeAxios Finance LtdWorthingAppointed representativeDonald SimmonsWorthingAppointed representativeEmerald Financial Solutions LimitedWorthingAppointed representativeGaia Financial LimitedWorthingAppointed 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 Refresh Personal Finance

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 4 events in its history

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Frequently asked questions about this firm

Is Refresh Personal Finance Ltd FCA authorised?
Refresh Personal Finance Ltd (FRN 616559) 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 Refresh Personal Finance?
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. Refresh Personal Finance Ltd (FRN 616559) is an AR of Lenvi Servicing Limited (FRN 659783). When you use Refresh Personal Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Refresh Personal Finance, 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 Refresh Personal Finance’s phone number?
The FCA register lists the phone number 0844 811 8039 for Refresh Personal Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Refresh Personal Finance a scam or clone?
Refresh Personal Finance 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 Refresh Personal Finance?
Protection works through Lenvi Servicing Limited, the principal firm responsible for Refresh Personal Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Refresh Personal Finance use any other names?
It trades as Refresh Servicing. It has previously used the name Refresh Mortgages.

Sources and links

The full report on Refresh Personal Finance Ltd

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