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 15 years
- Protected through the principal
- No FCA actions
- Active company since 2001
- Accounts filed up to 31 July 2025
- On its latest accounts it owed £318k more than it owned
Responsible principal firm
Lloyd & Whyte Community Broking Ltd Reference number: 301273 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.
- X-Press Legal Services Limited (FRN 535850) is an AR of Lloyd & Whyte Community Broking Ltd (FRN 301273). When you use X-Press Legal Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from X-Press Legal Services, 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
X Press Legal Services, Unit 7, Olympic Way, Birchwood, Warrington, Cheshire, WA2 0YL, United Kingdom
In the full report: 2 background checks
- What kind of line 01925 577377 is
- Who else gives the postcode WA2 0YL
Other names (2)
If you were contacted under any of these names, it is this firm.
- Express Legal Former name: A name it was registered under before.
- X-Press Legal Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Lloyd & Whyte Community Broking 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
- 04255164 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 19 July 2001 (25 years old)
- Registered office
- 12 Webster Court Carina Park, Westbrook, Warrington, WA5 8WD, England
- Nature of business
-
- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Russell David Lister | Director | Dec 1979 | 19 Jul 2001 | 1 other company |
| Christian Daniel Lister | Director | Sep 1974 | 19 Jul 2001 | 5 other companies |
| David William Lister | Director | Mar 1955 | 19 Jul 2001 | 6 other companies |
| Lynne Lister | Director | Nov 1954 | 19 Jul 2001 | 4 other companies |
| Hannah Lister | Director | Jun 1986 | 1 Jul 2005 | 5 other companies |
| David William Lister | Secretary | Not published | 19 Jul 2001 | 6 other companies |
Other companies run by these 5 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
- 11
- closed down
- 5
- is FCA-registered
- 1
In the full report: all 11 companies, named
- What each company does, and whether it is still trading
- Which of these 5 directors sit on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
- The 4 companies these 5 directors run together
Filed accounts and finances
Net assets
−£318k
Down £33.3k from −£285k
Cash at bank
£51.0k
−9.7% from £56.6k
Employees (average)
9
−10% from 10
Owed within a year
£173k
+60% from £108k
Net assets are negative: on its last balance sheet the company owed £318k 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 04255164. 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
X-Press Legal Services’s history from the FCA register and Companies House, newest first.
2026
6 July 2026
- Changed its registered name from "X-Press Legal"
FCA register
2016
6 April 2016
- Lynne Lister gained significant control
Companies House
2011
1 June 2011
- Changed its registered name from "Express Legal"
FCA register
2010
15 November 2010
- Became an appointed representative
FCA register
2001
19 July 2001
- Incorporated at Companies House
Companies House
In the full report: all 10 events
- All 10 events in its history (5 shown here)
- Every director appointment and resignation: 5
Firms connected to X-Press Legal Services
Other FCA-listed firms that share a director, phone number or address with X-Press Legal Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share a director
- 1
- share its postcode
- 3
In the full report: all 4 connected firms, named
- How each is linked: shared directors (1), the same postcode (3)
- Who links each one: the named directors, with dates
Firms like X-Press Legal Services
Other firms of the same type (insurance broker), nearest first.
In Warrington
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 X-Press Legal Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 11 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 10 events in its history
- 4 connected firms, named, and who links them
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is X-Press Legal Services Limited FCA authorised?
What does appointed representative mean for X-Press Legal Services?
What is X-Press Legal Services’ phone number?
Is X-Press Legal Services a scam or clone?
Is my money safe with X-Press Legal Services?
Who owns X-Press Legal Services?
Who runs X-Press Legal Services?
How long has X-Press Legal Services been in business?
What do X-Press Legal Services’ latest accounts show?
Does X-Press Legal Services use any other names?
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