Total Finance U.K. Limited
Reference number: 188808
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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.
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Phone number
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Address
12 Croft Avenue, West Wickham, Bromley, BR4 0QJ, United Kingdom
In the full report: 3 background checks
- When total-finance.org.uk first appeared online, and whether it can receive email
- What kind of line 020 8695 7548 is
- Who else gives the postcode BR4 0QJ
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.
The FCA warning these came from
- Edward Murphy t/a Total Finance (UK) Ltd 1 July 2011
Scammers change these details often. Always check the live FCA warning.
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA 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 applyEligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
- Advise on or arrange mortgages FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (10 permissions)
- Acting as a CBTL administrator
- Acting as a CBTL advisor
- Acting as a CBTL arranger
- Advising on investments (except on Pension Transfers and Pension Opt Outs)
- Advising on P2P agreements
- Advising on regulated mortgage contracts
- Arranging (bringing about) deals in investments
- Arranging (bringing about) regulated mortgage contracts
- Making arrangements with a view to regulated mortgage contracts
- 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.
The clone warnings above are scammers using this firm's name, not something the firm has done.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 03663219 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 November 1998 (27 years old)
- Registered office
- 8a Endeavour House, 2 Cambridge Road, Kingston Upon Thames, KT1 3JU, England
- Nature of business
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- Life insurance (SIC 65110)
- Non-life insurance (SIC 65120)
- Life reinsurance (SIC 65201)
- Pension funding (SIC 65300)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Simon Nicholas Cowie | Director | May 1958 | 1 Jan 2003 | 1 other company |
Other companies run by its director
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 company
- 1
- closed down
- 1
In the full report: all 1 company, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£8,289
Down £8,481 from £192
Employees (average)
1
Same as 1
Owed within a year
£3,864
+157% from £1,502
Net assets are negative: on its last balance sheet the company owed £8,289 more than it owned.
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
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 03663219. 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
Total Finance U.K.’s history from the FCA register and Companies House, newest first.
2016
6 November 2016
- Simon Nicholas Cowie gained significant control
Companies House
2013
1 April 2013
- Regulated by the FCA from this date
FCA register
2011
1 July 2011
- FCA warned the public about a scam impersonating this firm
FCA warning list
2001
1 December 2001
- Regulated by the Financial Services Authority from this date
- Became authorised by the FCA
FCA register
1999
5 March 1999
- Regulated by the Personal Investment Authority from this date
FCA register
1998
6 November 1998
- Incorporated at Companies House
Companies House
In the full report: all 19 events
- All 19 events in its history (7 shown here)
- Every director appointment and resignation: 9
Firms like Total Finance U.K.
Other firms of the same type (mortgage adviser or broker), nearest first.
In West Wickham
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 Total Finance U.K.
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 19 events in its history
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Frequently asked questions about this firm
Is Total Finance U.K. Limited FCA authorised?
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Is Total Finance U.K. a scam or clone?
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Who owns Total Finance U.K.?
Who runs Total Finance U.K.?
How long has Total Finance U.K. been in business?
What do Total Finance U.K.’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- FCA warning: Edward Murphy t/a Total Finance (UK) Ltd fca.org.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk