Which? Limited: FCA regulated?

Acts as a payment agent

This firm does not hold FCA authorisation of its own, and acts as a payment agent under another firm's authorisation.

Agent for 1 year
No FCA actions
Active company since 1960
Your funds are not FSCS protected

Responsible principal firm

Bud Financial Limited Reference number: 793327 Authorised View firm →

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

Which? Limited Reference number: 610689 Introducer

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

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

020 7770 7000
Address

2 Marylebone Road, London, NW1 4DF, United Kingdom

In the full report: 3 background checks

When which.co.uk first appeared online, and whether it can receive email
What kind of line 020 7770 7000 is
Who else gives the postcode NW1 4DF

Past FCA permissions and consumer protection

Protection works through the principal
This firm acts as an agent of an authorised payment or e-money firm rather than holding its own authorisation. FSCS does not protect money held by an agent. Funds should be safeguarded by the principal, and the Financial Ombudsman Service may still be able to look at a complaint.

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: 00677665 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 13 December 1960 (65 years old)
Registered office: Matches the FCA register address ✓
Nature of business: Publishing of consumer and business journals and periodicals (SIC 58142)
Other publishing activities (SIC 58190)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Ms Anabel Hoult	Director	Dec 1969	1 Oct 2018	None
Kevin Harry Gaskell	Director	Nov 1963	1 Jan 2021	1 other company
Kenneth Danquah	Director	Nov 1985	1 Apr 2022	None
Christina Jane Scott	Director	Sep 1970	11 Sep 2024	None
Emma Jane Scott	Director	May 1968	11 Sep 2024	2 other companies
James Edward Fairclough	Director	May 1976	23 Jan 2026	None
Nigel Gregory Vaz	Director	Apr 1978	2 Feb 2026	1 other company
Charmian Averty	Secretary	Not published	11 Jun 2015	–

Other companies run by these 7 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: 4
still active: 4

In the full report: all 4 companies, named

What each company does, and whether it is still trading
Which of these 7 directors sit on each board, and since when
Any that went into liquidation or administration
All 62 people who have ever been directors, with their dates

Key dates in its history

Which?’s history from the FCA register and Companies House, newest first.

Key events (3) All events (118)

2025

21 August 2025

Status on the FCA register became "PSD Agent"

FCA register

2016

6 April 2016

Consumers' Association took control (75–100% of shares)

Companies House

1960

13 December 1960

Incorporated at Companies House

Companies House

In the full report: all 118 events

All 118 events in its history (3 shown here)
Every director appointment and resignation: 114

Get the full report on Which?

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

4 other companies its directors have run, named
3 background checks on its contact details
All 118 events in its history

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Frequently asked questions about this firm

Is Which? Limited FCA authorised?

Which? Limited (FRN 1041191) is on the FCA register as an agent of an authorised payment or e-money firm. It does not hold its own authorisation: it acts under the principal's, and the principal is responsible for the money.

What is Which?’s phone number and website?

The FCA register lists the phone number 020 7770 7000 and the website which.co.uk for Which?. If you were given different contact details, use these to check with the firm before going any further.

Is Which? a scam or clone?

Which? 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 Which??

Which? is an agent, so it does not hold its own FCA authorisation and FSCS does not protect money held by an agent. Your money should be safeguarded by the authorised firm it acts for. You can still refer a complaint to the Financial Ombudsman Service, which may be able to look at it.

Who owns Which??

Which? is owned by Consumers' Association, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.

Who runs Which??

Companies House lists 7 directors of Which?: Ms Anabel Hoult, Kevin Harry Gaskell, Kenneth Danquah, Christina Jane Scott, Emma Jane Scott, James Edward Fairclough and 1 more.

How long has Which? been in business?

The company was formed on 13 December 1960.