Watts & Cox Partnership LLP

Reference number: 1042217

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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

PIVOTAL FINANCIAL LIMITED Reference number: 665649 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.
  • Watts & Cox Partnership LLP (FRN 1042217) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use Watts & Cox Partnership's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Watts & Cox Partnership, 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.

In the full report: 3 background checks

  • When coxandco.co first appeared online, and whether it can receive email
  • What kind of line 07803 660405 is
  • Who else gives the postcode EH1 2DP
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Other names (1)

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

  • Cox & Co Commercial Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Pivotal Financial 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
OC458030
Company status
Active
Company type
Limited liability partnership
Incorporated
5 September 2025 (1 year old)
Registered office
6 Alvaston Business Park, Middlewich Road, Nantwich, Cheshire, CW5 6PF, United Kingdom

Directors and company secretaries

Name Role Born Appointed Other companies
COX & CO (SCOTLAND) LTD Corporate LLP designated member Not published 5 Sep 2025 None
WATTS COMMERCIAL FINANCE LIMITED Corporate LLP designated member Not published 5 Sep 2025 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Key dates in its history

Watts & Cox Partnership’s history from the FCA register and Companies House, newest first.

2025

24 October 2025

  • Became an appointed representative
  • Began trading as "Cox & Co Commercial"

FCA register

5 September 2025

  • Incorporated at Companies House
  • Cox & Co (Scotland) Ltd gained 25–50% of the votes
  • Watts Commercial Finance Limited gained 25–50% of the votes

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Watts & Cox Partnership

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Watts & Cox Partnership

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

In Edinburgh

Apex Mortgage Advice LimitedEdinburghAppointed representativeAven Mortgages limitedEdinburghAppointed representativeBespoke Home Finance LtdEdinburghAppointed representativeBrightermortgagesuk LtdEdinburghAppointed representativeChristopher EvansEdinburghAppointed representativeClear Mortgage Solutions LimitedEdinburghAppointed 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 Watts & Cox Partnership

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • All 5 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Watts & Cox Partnership LLP FCA authorised?
Watts & Cox Partnership LLP (FRN 1042217) 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 Watts & Cox Partnership?
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. Watts & Cox Partnership LLP (FRN 1042217) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use Watts & Cox Partnership's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Watts & Cox Partnership, 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 Watts & Cox Partnership’s phone number and website?
The FCA register lists the phone number 07803 660405 and the website coxandco.co/commercial for Watts & Cox Partnership. If you were given different contact details, use these to check with the firm before going any further.
Is Watts & Cox Partnership a scam or clone?
Watts & Cox Partnership 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 Watts & Cox Partnership?
Protection works through Pivotal Financial Limited, the principal firm responsible for Watts & Cox Partnership's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Watts & Cox Partnership?
Companies House lists 2 people with significant control of Watts & Cox Partnership: Cox & Co (Scotland) Ltd (25–50% of votes) and Watts Commercial Finance Limited (25–50% of votes).
Who runs Watts & Cox Partnership?
Companies House lists 2 directors of Watts & Cox Partnership: Cox & Co (Scotland) Ltd and Watts Commercial Finance Limited.
How long has Watts & Cox Partnership been in business?
The company was formed on 5 September 2025.
Does Watts & Cox Partnership use any other names?
It trades as Cox & Co Commercial.

Sources and links

The full report on Watts & Cox Partnership LLP

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