Chambers Financial Services Limited

Reference number: 796480

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • Chambers Financial Services Limited (FRN 796480) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Chambers Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Chambers 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When chambersfs.co.uk first appeared online, and whether it can receive email
  • What kind of line 01268 744333 is
  • Who else gives the postcode SS7 4FH
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Other names (1)

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

  • Adverse Mortgage Solutions Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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
08201095
Company status
Active
Company type
Private limited company
Incorporated
4 September 2012 (14 years old)
Registered office
Arlington House West Station Business Park, Spital Road, Maldon, CM9 6FF, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Vicki Sarah Baker Director Aug 1972 4 Sep 2012 1 other company
Antony William Baker Director Jan 1972 9 Sep 2013 None
Roger Charles Chambers Secretary Not published 4 Sep 2012 –

Other companies run by these 2 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 company
1
closed down
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 30 November 2025Full accountsNot audited

Net assets

−£17.4k

Down £1,281 from −£16.1k

Cash at bank

£4,506

−65% from £13.0k

Owed within a year

£35.1k

−18% from £42.7k

Net assets are negative: on its last balance sheet the company owed £17.4k 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
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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.

Accounts filed at Companies House for company 08201095. 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

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

Key events (4) All events (8)

2017

14 December 2017

  • Became an appointed representative

FCA register

2016

6 April 2016

  • Antony William Baker became a part-owner (25–50% of shares)
  • Vicki Sarah Baker became a part-owner (25–50% of shares)

Companies House

2012

4 September 2012

  • Incorporated at Companies House

Companies House

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms like Chambers Financial Services

Other firms of the same type (insurance broker), nearest first.

In Benfleet

Relentless Strategies LTDBenfleetAppointed representativeCost Compare LimitedBenfleetAppointed representativeSure Wise LimitedBenfleetAuthorisedAlpine Insurance Services LimitedBenfleetAuthorised

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 Chambers Financial Services

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is Chambers Financial Services Limited FCA authorised?
Chambers Financial Services Limited (FRN 796480) 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 Chambers 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. Chambers Financial Services Limited (FRN 796480) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Chambers Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Chambers 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 Chambers Financial Services’ phone number and website?
The FCA register lists the phone number 01268 744333 and the website chambersfs.co.uk for Chambers Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Chambers Financial Services a scam or clone?
Chambers 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 Chambers Financial Services?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Chambers Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Chambers Financial Services?
Companies House lists 2 people with significant control of Chambers Financial Services: Mrs Vicki Sarah Baker (25–50% of shares) and Mr Antony William Baker (25–50% of shares).
Who runs Chambers Financial Services?
Companies House lists 2 directors of Chambers Financial Services: Vicki Sarah Baker and Antony William Baker.
How long has Chambers Financial Services been in business?
The company was formed on 4 September 2012.
What do Chambers Financial Services’ latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of −£17.4k (down £1,281 from −£16.1k) and cash at bank of £4,506 (−65% from £13.0k).
Does Chambers Financial Services use any other names?
It has previously used the name Adverse Mortgage Solutions.

Sources and links

The full report on Chambers Financial Services Limited

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