Thomas Oliver UK LLP: FCA regulated?

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.

Appointed for 17 years
Protected through the principal
No FCA actions
Active company since 2009
Its phone number is also given by a firm that is no longer authorised
One of its directors is also a director of a firm that is no longer authorised

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.
Thomas Oliver UK LLP (FRN 501748) is an AR of Openwork Limited (FRN 408285). When you use Thomas Oliver UK's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Thomas Oliver UK, 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.

Website

thomasoliveruk.co.uk (opens in a new tab)
Phone number

01707 872000

Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.
Address

24 - 25 Turners Hill, Cheshunt, Waltham Cross, EN8 8NJ, United Kingdom

In the full report: 3 background checks

When thomasoliveruk.co.uk first appeared online, and whether it can receive email
What kind of line 01707 872000 is, and the 2 other firms that give it
Who else gives the postcode EN8 8NJ

Other names (13)

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

Eden David Mortgages Trading name: A name it trades under now.
EH Financials Trading name: A name it trades under now.
HNW Mortgages Trading name: A name it trades under now.
JP Financial Solutions Trading name: A name it trades under now.
Mortgage Broker Services Trading name: A name it trades under now.
Bobby Bhuiyan.com Former trading name: A name it used to trade under.
Chris Hazell Mortgages Former trading name: A name it used to trade under.
Craven Financial Former trading name: A name it used to trade under.
Fountain Financial Services Former trading name: A name it used to trade under.
Prestige Mortgage Services Former trading name: A name it used to trade under.
Regal Mortgages Former trading name: A name it used to trade under.
TJD Financial Services Former trading name: A name it used to trade under.
VLD Finance Former trading name: A name it used to trade under.

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: OC343707 (opens Companies House in a new tab)
Company status: Active
Company type: Limited liability partnership
Incorporated: 2 March 2009 (17 years old)
Registered office: Crown House 24-25 Turners Hill, Cheshunt, Hertfordshire, EN8 8NJ

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Karl Roderick Knipe	LLP designated member	Oct 1966	2 Mar 2009	15 other companies
Thomas Paine	LLP designated member	Jul 1966	2 Mar 2009	12 other companies

Other companies run by these 2 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: 16
closed down: 7
is FCA-registered: 1

In the full report: all 16 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register
The 11 companies these 2 directors run together

Key dates in its history

Thomas Oliver UK’s history from the FCA register and Companies House, newest first.

Key events (4) All events (29)

2016

6 April 2016

Karl Roderick Knipe became a part-owner (25–50% of shares)
Thomas Paine became a part-owner (25–50% of shares)

Companies House

2009

29 May 2009

Became an appointed representative

FCA register

2 March 2009

Incorporated at Companies House

Companies House

In the full report: all 29 events

All 29 events in its history (4 shown here)
Every director appointment and resignation: 2

Firms connected to Thomas Oliver UK

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

connected firms: 2
no longer authorised: 1
share a director: 2

In the full report: all 2 connected firms, named

How each is linked: shared directors (2), the same phone number (2), the same postcode (1)
Who links each one: the named directors, with dates

Firms like Thomas Oliver UK

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

In Waltham Cross

Erol Ramadan Consultants LtdWaltham CrossAppointed representative Michael GaetonWaltham CrossAppointed representative Holmes Independent Financial Advice LimitedWaltham CrossAuthorised Unbiased Financial Planning Ltd.Waltham CrossAuthorised

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 Thomas Oliver UK

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

16 other companies its directors have run, named
3 background checks on its contact details
All 29 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Thomas Oliver UK LLP FCA authorised?

Thomas Oliver UK LLP (FRN 501748) 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 Thomas Oliver UK?

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. Thomas Oliver UK LLP (FRN 501748) is an AR of Openwork Limited (FRN 408285). When you use Thomas Oliver UK's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Thomas Oliver UK, 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 Thomas Oliver UK’s phone number and website?

The FCA register lists the phone number 01707 872000 and the website thomasoliveruk.co.uk for Thomas Oliver UK. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms, one of which is no longer authorised.

Is Thomas Oliver UK a scam or clone?

Thomas Oliver UK 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 Thomas Oliver UK?

Protection works through Openwork Limited, the principal firm responsible for Thomas Oliver UK's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Thomas Oliver UK?

Companies House lists 2 people with significant control of Thomas Oliver UK: Mr Thomas Paine (25–50% of votes) and Mr Karl Roderick Knipe (25–50% of votes).

Who runs Thomas Oliver UK?

Companies House lists 2 directors of Thomas Oliver UK: Karl Roderick Knipe and Thomas Paine.

How long has Thomas Oliver UK been in business?

The company was formed on 2 March 2009.

Does Thomas Oliver UK use any other names?

It trades as Eden David Mortgages, EH Financials, HNW Mortgages, JP Financial Solutions and Mortgage Broker Services. It has previously used 8 other names, including Bobby Bhuiyan.com, Chris Hazell Mortgages and Craven Financial.