Ingram Finance Limited

Reference number: 519975

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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

Sesame Limited Reference number: 150427 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.
  • Ingram Finance Limited (FRN 519975) is an AR of Sesame Limited (FRN 150427). When you use Ingram Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Ingram Finance, 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

    01992 500843

  • Address

    24 Holywell Hill, St. Albans, AL1 1BZ, United Kingdom

In the full report: 2 background checks

  • What kind of line 01992 500843 is
  • Who else gives the postcode AL1 1BZ
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sesame 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
07084077
Company status
Active
Company type
Private limited company
Incorporated
23 November 2009 (16 years old)
Registered office
24 Holywell Hill, St. Albans, AL1 1BZ, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Nicholas Duncan Wood Director Dec 1968 25 Nov 2025 1 other company

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 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 its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£236k

−11% from £266k

Cash at bank

£246k

−9.6% from £272k

Employees (average)

3

Same as 3

Owed within a year

£9,626

+37% from £7,023

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 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 07084077. 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

Ingram Finance’s history from the FCA register and Companies House, newest first.

Key events (6) All events (11)

2025

25 November 2025

  • Board replaced: its only director left and a new director took over
  • Independent Mortgage Advice Bureau (Imab) Ltd took control (75–100% of shares)
  • Robert Donald Ingram gave up control

Companies House

2016

6 April 2016

  • Robert Donald Ingram took control (75–100% of shares)

Companies House

2010

12 March 2010

  • Became an appointed representative

FCA register

2009

23 November 2009

  • Incorporated at Companies House

Companies House

In the full report: all 11 events

  • All 11 events in its history (6 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Ingram Finance

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Ingram Finance

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

In St. Albans

Invoke Finance LtdSt. AlbansAppointed representativeJames Joseph LtdSt. AlbansAppointed representativeMiriam StandenSt. AlbansAppointed representativeProtection Matters LimitedSt. AlbansAppointed representativeThe Mortgage Store (T.M.S) LimitedSt. AlbansAppointed representativeAshdale Mortgage Services Ltd.St. AlbansAuthorised

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 Ingram Finance

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
  • 2 background checks on its contact details
  • 4 years of accounts, charted
  • All 11 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Ingram Finance Limited FCA authorised?
Ingram Finance Limited (FRN 519975) 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 Ingram Finance?
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. Ingram Finance Limited (FRN 519975) is an AR of Sesame Limited (FRN 150427). When you use Ingram Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Ingram Finance, 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 Ingram Finance’s phone number?
The FCA register lists the phone number 01992 500843 for Ingram Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Ingram Finance a scam or clone?
Ingram Finance 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 Ingram Finance?
Protection works through Sesame Limited, the principal firm responsible for Ingram Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Ingram Finance?
Ingram Finance is owned by Independent Mortgage Advice Bureau (Imab) Ltd, which holds 75–100% of shares and 75–100% of votes, since 25 November 2025. Before that, it was controlled by Mr Robert Donald Ingram.
Who runs Ingram Finance?
Companies House lists one director of Ingram Finance: Nicholas Duncan Wood.
How long has Ingram Finance been in business?
The company was formed on 23 November 2009.
What do Ingram Finance’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £236k (−11% from £266k) and cash at bank of £246k (−9.6% from £272k).

Sources and links

The full report on Ingram Finance Limited

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