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.
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No website on the FCA register
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Phone number
-
Address
Suite 2, 6 Union Road, Chippenham, SN15 1HW, United Kingdom
In the full report: 2 background checks
- What kind of line 01249 588103 is, and the other firm that gives it
- Who else gives the postcode SN15 1HW
Other names (3)
If you were contacted under any of these names, it is this firm.
- IFS4You Trading name: A name it trades under now.
- NEBA Private Clients UK Trading name: A name it trades under now.
- ExpatIFA Former trading name: A name it used to trade under.
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.
Fake email addresses (2)
- dujardin.frederic@consultant.com
- fredericd@4youltd.com
The FCA warning these came from
- 4 You Limited 13 June 2018
Scammers change these details often. Always check the live FCA warning.
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
- Manage or trade investments FSCS may applyEligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
- Advise on or arrange mortgages FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (13 permissions)
- Acting as a CBTL advisor
- Acting as a CBTL arranger
- Advising on investments (except on Pension Transfers and Pension Opt Outs)
- 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
- Credit Broking
- Dealing in investments as agent
- Debt-counselling
- Making arrangements with a view to regulated mortgage contracts
- Making arrangements with a view to transactions in investments
- Providing basic advice on stakeholder products
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.
The clone warnings above are scammers using this firm's name, not something the firm has done.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 07130714 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 20 January 2010 (16 years old)
- Registered office
- Suite 2 6 Union Road, Chippenham, Wilts, SN15 1HW, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Robert Lawrence Vigor Hardwicke | Director | May 1967 | 20 Jan 2010 | 3 other companies |
| Rachel Oriel Vigor Hardwicke | Secretary | Not published | 20 Jan 2010 | – |
Other companies run by its director
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
- 3
- closed down
- 1
- is FCA-registered
- 1
In the full report: all 3 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
Filed accounts and finances
Total equity
£101k
−2.1% from £104k
Employees (average)
5
Same as 5
Owed within a year
£41.4k
−18% from £50.5k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2020 to 2026
- 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 07130714. 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
Independent Financial Services 4 You’s history from the FCA register and Companies House, newest first.
2018
13 June 2018
- FCA warned the public about a scam impersonating this firm
FCA warning list
2017
20 January 2017
- Robert Lawrence Vigor Harwicke became a part-owner (25–50% of shares)
Companies House
2016
6 April 2016
- Rachel Oriel Vigor Hardwicke became a part-owner (25–50% of shares)
Companies House
2013
1 April 2013
- Regulated by the FCA from this date
FCA register
2010
16 June 2010
- Regulated by the Financial Services Authority from this date
- Became authorised by the FCA
FCA register
20 January 2010
- Incorporated at Companies House
Companies House
In the full report: all 15 events
- All 15 events in its history (7 shown here)
- Every director appointment and resignation: 1
Firms connected to Independent Financial Services 4 You
Other FCA-listed firms that share a director, phone number or address with Independent Financial Services 4 You. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 1
- share its phone number
- 1
In the full report: all 2 connected firms, named
- How each is linked: shared directors (1), the same phone number (1), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Independent Financial Services 4 You
Other firms of the same type (financial adviser), nearest first.
In Chippenham
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 Independent Financial Services 4 You
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 15 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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Is Independent Financial Services 4 You a scam or clone?
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Who runs Independent Financial Services 4 You?
How long has Independent Financial Services 4 You been in business?
What do Independent Financial Services 4 You’s latest accounts show?
Does Independent Financial Services 4 You use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- FCA warning: 4 You Limited fca.org.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk