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 1 year
- Protected through the principal
- No FCA actions
- Active company since 2024
- Accounts filed up to 31 March 2025
- On its latest accounts it owed £3,983 more than it owned
Responsible principal firm
Optimum Commercial Solutions Ltd Reference number: 808754 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.
- TLF Specialist Finance Limited (FRN 1021635) is an AR of Optimum Commercial Solutions Ltd (FRN 808754). When you use TLF Specialist Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from TLF Specialist 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
-
Address
Unit 8, Bridge Barns, Long Sutton, Langport, TA10 9PZ, United Kingdom
In the full report: 2 background checks
- What kind of line 07867 475435 is
- Who else gives the postcode TA10 9PZ
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Optimum Commercial Solutions Ltd, 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
- 15859920 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 26 July 2024 (2 years old)
- Registered office
- 7 Castle Street, Bridgwater, Somerset, TA6 3DD, United Kingdom
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Connor James Fitzgerald | Director | Sep 1992 | 26 Jul 2024 | 4 other companies |
| Thomas James Horsey | Director | Oct 1992 | 26 Jul 2024 | 3 other companies |
| Michelle Geraldine Martin | Director | Oct 1987 | 26 Jul 2024 | 4 other companies |
Other companies run by these 3 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
- 6
- still active
- 6
- is FCA-registered
- 1
In the full report: all 6 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
- The 3 companies these 3 directors run together
Filed accounts and finances
Net assets
−£3,983
No earlier figure to compare
Employees (average)
3
No earlier figure to compare
Owed within a year
£5,750
No earlier figure to compare
Net assets are negative: on its last balance sheet the company owed £3,983 more than it owned.
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 15859920. 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
TLF Specialist Finance’s history from the FCA register and Companies House, newest first.
2024
11 November 2024
- Became an appointed representative
FCA register
26 July 2024
- Incorporated at Companies House
- Connor James Fitzgerald became a part-owner (25–50% of shares)
- Michelle Geraldine Martin became a part-owner (25–50% of shares)
- Thomas James Horsey became a part-owner (25–50% of shares)
Companies House
In the full report: all 8 events
- All 8 events in its history (5 shown here)
- Every director appointment and resignation: 3
Firms connected to TLF Specialist Finance
Other FCA-listed firms that share a director, phone number or address with TLF Specialist Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 1
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: shared directors (1), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like TLF Specialist Finance
Other firms of the same type (credit broker), nearest first.
In Langport
In the Taunton (TA) postcode area
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 TLF Specialist Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 6 other companies its directors have run, named
- 2 background checks on its contact details
- All 8 events in its history
- 2 connected firms, named, and who links them
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is TLF Specialist Finance Limited FCA authorised?
What does appointed representative mean for TLF Specialist Finance?
What is TLF Specialist Finance’s phone number?
Is TLF Specialist Finance a scam or clone?
Is my money safe with TLF Specialist Finance?
Who owns TLF Specialist Finance?
Who runs TLF Specialist Finance?
How long has TLF Specialist Finance been in business?
What do TLF Specialist Finance’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