Hoyl Independent Advisers Ltd

Reference number: 433927

Instant download

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 hoyl.co.uk first appeared online, and whether it can receive email
  • What kind of line 01263 513016 is, and the 3 other firms that give it
  • Who else gives the postcode NR27 9DG
Instant PDF download
Other names (13)

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

  • Hoyl Trading name
  • Hoyl Commercial. Trading name
  • Hoyl Insurance Trading name
  • Hoyl Mortgages Trading name
  • Phoenix Independent Advisers Limited Former name
  • Hoyl Capital Wealth Former trading name
  • Hoyl Insurance Brokers Former trading name
  • Hoyl Underwriting Management Former trading name
  • Phoenix Insurance Former trading name
  • Phoenix Insurance Brokers Former trading name
  • Phoenix Mortgages Former trading name
  • Ram Financial Services Former trading name
  • Solent Mortgage Services Former trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Claims management No FSCS cover
    Money you pay a claims company is not FSCS protected, but FCA rules cap what it may charge you for a financial services claim. Complaints about this firm go to the Financial Ombudsman Service free of charge.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (16 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Seeking out, referrals and identification of claims or potential claims (personal injury claim; financial services or financial product claim; housing disrepair claim; claim for a specified benefit; criminal injury claim; employment related claim)

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
05343956
Company status
Active
Company type
Private limited company
Incorporated
27 January 2005 (21 years old)
Registered office
Upton House, St Margarets Road, Cromer, NR27 9DG, 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
John Michael Victor Ramage Director Sep 1961 27 Jan 2005 18 other companies
Paul Wreford Director Nov 1960 13 Sep 2024 1 other company

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 companies
19
closed down
4
are FCA-registered
3

In the full report: all 19 companies, 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
  • The 3 on the FCA register
  • All 5 people who have ever been directors, with their dates
Instant PDF download

Key dates in its history

Hoyl Independent Advisers’s history from the FCA register and Companies House, newest first.

Key events (14) All events (47)

2024

9 September 2024

  • Hoyl Capital Wealth Ltd stopped being a part-owner
  • Hoyl Group Ltd took control (75–100% of shares)

Companies House

9 April 2024

  • Hoyl Capital Wealth Ltd became a part-owner (25–50% of shares)

Companies House

2020

1 October 2020

  • John Michael Ramage stopped being a part-owner
  • Paul Cheriton Wreford stopped being a part-owner
  • Paul Martyn Burgess stopped being a part-owner

Companies House

2016

6 April 2016

  • John Michael Ramage became a part-owner (25–50% of shares)
  • Paul Cheriton Wreford became a part-owner (25–50% of shares)
  • Paul Martyn Burgess became a part-owner (25–50% of shares)

Companies House

2013

7 May 2013

  • Changed its registered name from "Phoenix Independent Advisers Limited"

FCA register

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

21 October 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

27 January 2005

  • Incorporated at Companies House

Companies House

In the full report: all 47 events

  • All 47 events in its history (14 shown here)
  • Every director appointment and resignation: 8
Instant PDF download

Firms connected to Hoyl Independent Advisers

Other FCA-listed firms that share a director, phone number or address with Hoyl Independent Advisers. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
share a director
3
share its phone number
3

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (3), the same phone number (3), the same postcode (2)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Hoyl Independent Advisers

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

In Cromer

Phoenix (CPG) LtdCromerAppointed representative

In the Norwich (NR) postcode area

Alan Boswell & Company LimitedNorwichAuthorisedAcorn Wealth Management Group LimitedNorwichAuthorisedADMS Asset Management LimitedNorwichAuthorisedBroadland Consultants LtdNorwichAuthorisedBuxton Beresford Financial Planning LtdNorwichAuthorised

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 Hoyl Independent Advisers

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

  • 19 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 47 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 Hoyl Independent Advisers Ltd FCA authorised?
Yes, Hoyl Independent Advisers Ltd (FRN 433927) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2005 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Hoyl Independent Advisers’ phone number and website?
The FCA register lists the phone number 01263 513016 and the website hoyl.co.uk for Hoyl Independent Advisers. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 3 other FCA firms.
Is Hoyl Independent Advisers a scam or clone?
Hoyl Independent Advisers 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 Hoyl Independent Advisers?
It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Hoyl Independent Advisers to the Financial Ombudsman Service, free of charge.
Who owns Hoyl Independent Advisers?
Hoyl Independent Advisers is owned by Hoyl Group Ltd, which holds 75–100% of shares and 75–100% of votes, since 9 September 2024. Before that, it was controlled by Hoyl Capital Wealth Ltd, Mr John Michael Ramage and Mr Paul Martyn Burgess.
Who runs Hoyl Independent Advisers?
Companies House lists 2 directors of Hoyl Independent Advisers: John Michael Victor Ramage and Paul Wreford.
How long has Hoyl Independent Advisers been in business?
The company was formed on 27 January 2005, and has held its current FCA authorisation since October 2005.
Does Hoyl Independent Advisers use any other names?
It trades as Hoyl, Hoyl Commercial., Hoyl Insurance and Hoyl Mortgages. It has previously used 9 other names, including Phoenix Independent Advisers Limited, Hoyl Capital Wealth and Hoyl Insurance Brokers.

Sources and links

The full report on Hoyl Independent Advisers Ltd

£19.99 · Instant PDF download

Loading secure checkout…