ComplaintCensus

First Thought Financial: most-reported complaints

Automated analysis of 184 public Trustpilot reviews published 2021-01-21 to 2026-09-12. TrustScore 4.9 from 1,006 total reviews — see the Trustpilot page. Quick answer: is First Thought Financial legit? Issues below reflect what reviewers reported, not findings of wrongdoing.

Reviewers most often report that support is unhelpful, citing 3 instances out of 7 identified complaints. One example mentioned an initial contact from a very rude salesman. A trend cannot be established yet due to not enough reviews.

How to reach First Thought Financial

These are the contact details First Thought Financial publishes on its Trustpilot profile, as of our last check on 2026-09-24 — phone 01923 606808, email [email protected], address First Floor, 112–114 High Street, Rickmansworth, WD3 1AQ, GB.

7complaints identified
2%of recent reviews analysed
33%of negative reviews get a company reply, typically within 3 days

The company claimed its Trustpilot profile on 2020-05-04, uses Trustpilot’s paid features, and last replied to a negative review on 2025-12-15 — more than six months ago. Trustpilot ranks it 41 of 85 in Mortgage Broker. We last checked this profile on 2026-09-24 and found 1 new review. These are facts Trustpilot publishes about the profile, as of our last harvest.

Forum footprint: 0 MoneySavingExpert forum discussions mention this company (browse). Roughly 0 of the top, relevance-sorted search results were posted in the last 90 days — an approximate figure by construction, not a true recency count.

Elsewhere: 5★ on Google (0 reviews)

TrustScore over time

4.9 → 4.9 across 12 census measurements since 2026-08-12. Our own record, independent of Trustpilot’s display.

Reply behaviour over time

Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-12 (33%, 3.0d) · 2026-08-15 (33%, 3.0d) · 2026-08-18 (33%, 3.0d) · 2026-08-27 (33%, 3.0d) · 2026-08-31 (33%, 3.0d) · 2026-09-09 (33%, 3.0d) · 2026-09-12 (33%, 3.0d) · 2026-09-15 (33%, 3.0d) · 2026-09-18 (33%, 3.0d) · 2026-09-21 (33%, 3.0d) · 2026-09-24 (33%, 3.0d).

19% of its 170 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.

Sector benchmark: support unhelpful makes up 43% of this company’s complaints vs a 28% median across 169 ranked companies in its sector.

Review velocity: 187 of this company’s 1,006 Trustpilot reviews (19%) were written in the last 12 months.

Not enough reviews to establish a trend.

What are the most common complaints about First Thought Financial?

Support unhelpful

3 reports · 43% of complaints
“initial contact from a very rude salesman”
3★ Trustpilot review, 2026-08-03

The company replied on 2026-08-07: “Thank you for taking the time to leave us your feedback. We're sorry to hear about your experience during the initial call. We work with third-party introducers who may make the initial contact with…”

Our classifier read this reply as a substantive response.

It promised: to escalate.

“after he changed completely becoming rude and unprofessional”
1★ Trustpilot review, 2026-07-04
“30 wait, 25 mins reviewing, 2 secs for it all to be a waste of time.”
1★ Trustpilot review, 2022-12-02

Compare First Thought Financial with…

Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-12.