AMS Financial Services Limited

Reference number: 821398

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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

STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
  • AMS Financial Services Limited (FRN 821398) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use AMS Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from AMS Financial 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

    07710 123867

  • Address

    75 St. Marys Drive, Benfleet, Essex, SS7 1LH, United Kingdom

In the full report: 2 background checks

  • What kind of line 07710 123867 is
  • Who else gives the postcode SS7 1LH
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Other names (1)

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

  • AMS Financial Services Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Stonebridge Mortgage Solutions 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
04327107
Company status
Active
Company type
Private limited company
Incorporated
22 November 2001 (24 years old)
Registered office
Turnpike House, 1208-1210 London Road, Leigh-On-Sea, Essex, SS9 2UA
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Alan Michael Shepherd Director Dec 1962 22 Nov 2001 None
Denise Yvonne Shepherd Secretary Not published 22 Nov 2001 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Total equity

£26.4k

−14% from £30.8k

Cash at bank

£46.9k

+13% from £41.6k

Employees (average)

2

Same as 2

Owed within a year

£20.5k

+9.4% from £18.8k

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
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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 04327107. 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

AMS Financial Services’s history from the FCA register and Companies House, newest first.

Key events (6) All events (9)

2025

26 March 2025

  • Changed its registered name from "AMS Financial Services Ltd"

FCA register

2018

21 September 2018

  • Became an appointed representative

FCA register

15 August 2018

  • Denise Yvonne Shepherd stopped being a part-owner

Companies House

2016

21 November 2016

  • Alan Michael Shepherd became the majority owner (50–75% of shares)
  • Denise Yvonne Shepherd became a part-owner (25–50% of shares)

Companies House

2001

22 November 2001

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms like AMS Financial Services

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

In Benfleet

Ab Specialist Finance LtdBenfleetAppointed representativeAshley Bennett Mortgages LtdBenfleetAppointed representativeEssex Mortgage and Protection Services LtdBenfleetAppointed representativeForemost Financial LtdBenfleetAppointed representativeFrank StoneBenfleetAppointed representativeFusion Mortgages LtdBenfleetAppointed 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 AMS Financial Services

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
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is AMS Financial Services Limited FCA authorised?
AMS Financial Services Limited (FRN 821398) 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 AMS Financial Services?
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. AMS Financial Services Limited (FRN 821398) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use AMS Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from AMS Financial 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.
What is AMS Financial Services’ phone number?
The FCA register lists the phone number 07710 123867 for AMS Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is AMS Financial Services a scam or clone?
AMS Financial Services 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 AMS Financial Services?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for AMS Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns AMS Financial Services?
Companies House lists one person with significant control of AMS Financial Services: Mr Alan Michael Shepherd (50–75% of shares). Before that, it was controlled by Mrs Denise Yvonne Shepherd.
Who runs AMS Financial Services?
Companies House lists one director of AMS Financial Services: Alan Michael Shepherd.
How long has AMS Financial Services been in business?
The company was formed on 22 November 2001.
What do AMS Financial Services’ latest accounts show?
Its latest accounts, to 31 December 2025, show total equity of £26.4k (−14% from £30.8k) and cash at bank of £46.9k (+13% from £41.6k).
Does AMS Financial Services use any other names?
It has previously used the name AMS Financial Services Ltd.

Sources and links

The full report on AMS Financial Services Limited

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