Which? Limited: FCA regulated?

Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Appointed for 12 years
Protected through the principal
No FCA actions
Active company since 1960

Responsible principal firm

INSPOP.COM LIMITED Reference number: 310635 Authorised View firm →

What does this mean?

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
Which? Limited (FRN 610689) introduces customers to INSPOP.COM LIMITED (FRN 310635). Any regulated advice or arranging is done by the principal, not Which?.
Example: if Which? refers you to a financial adviser, the advice should come from the principal firm, not from Which? itself.
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.

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: 1041191 Payment agent

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

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Inspop.com 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: 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)

2016

6 April 2016

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

Companies House

2013

22 November 2013

Became an introducer appointed representative

FCA register

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

Firms like Which?

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

In London

Financial Service Solutions LtdLondonAppointed representative 3Dmt LtdLondonAppointed representative A New View LtdLondonAppointed representative A-Star Financial Solutions UK LimitedLondonAppointed representative City and Country Financial Services LtdLondonAppointed representative Counsel & Capital LtdLondonAppointed 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 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 610689) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does introducer appointed representative mean for Which??

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Which? Limited (FRN 610689) introduces customers to INSPOP.COM LIMITED (FRN 310635). Any regulated advice or arranging is done by the principal, not Which?. Example: if Which? refers you to a financial adviser, the advice should come from the principal firm, not from Which? itself. 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 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??

Protection works through Inspop.com Limited, the principal firm responsible for Which?'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

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.