JA Financial Services Limited

Reference number: 447379

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

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

  • When jafin.co.uk first appeared online, and whether it can receive email
  • What kind of line 01285 704000 is
  • Who else gives the postcode CV35 7RR
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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 (1)
  • info@jamining.com
Fake websites (1)
  • jamining.com
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

FCA permissions and consumer protection

  • 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.
  • 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.
  • 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.
  • 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 (10 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except 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
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
05048148
Company status
Active
Company type
Private limited company
Incorporated
18 February 2004 (22 years old)
Registered office
11 The Elms, Leek Wootton, Warwick, CV35 7RR, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Jacqueline Ann Farrow Director Aug 1966 18 Feb 2004 None
Andrew David Farrow Director Apr 1961 17 Feb 2011 3 other companies
Andrew David Farrow Secretary Not published 13 Dec 2004 3 other companies

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
3
closed down
2
still active
1

In the full report: all 3 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
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 5 April 2025Micro-entity accountsNot audited

Net assets

£98.5k

−7.6% from £107k

Employees (average)

2

−33% from 3

Owed within a year

£23.0k

+72% from £13.3k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 05048148. 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

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

Key events (9) All events (19)

2025

20 August 2025

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2024

1 October 2024

  • Andrew David Farrow became a part-owner (25–50% of shares)

Companies House

2023

23 April 2023

  • Andrew David Farrow stopped being a part-owner

Companies House

2016

6 April 2016

  • Andrew David Farrow became a part-owner (25–50% of shares)
  • Jacqueline Ann Farrow became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2006

16 March 2006

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

FCA register

2004

18 February 2004

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (9 shown here)
  • Every director appointment and resignation: 8
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Firms like JA Financial Services

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

In Warwick

Asher YousafWarwickAppointed representativeIMA AssociatesWarwickAppointed representativeInvicta Finance LtdWarwickAppointed representativeManpreet DhesiWarwickAppointed representativeSophie CollettWarwickAppointed representativeWarwickshire Mortgages LtdWarwickAppointed 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 JA Financial Services

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
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 19 events in its history

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Frequently asked questions about this firm

Is JA Financial Services Limited FCA authorised?
Yes, JA Financial Services Limited (FRN 447379) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2006 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is JA Financial Services’ phone number and website?
The FCA register lists the phone number 01285 704000 and the website jafin.co.uk for JA Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is JA Financial Services a scam or clone?
Scammers have impersonated JA Financial Services: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for JA Financial Services, shown on this page.
Is my money safe with JA Financial Services?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about JA Financial Services to the Financial Ombudsman Service, free of charge.
Who owns JA Financial Services?
Companies House lists 2 people with significant control of JA Financial Services: Mr Andrew David Farrow (25–50% of shares) and Mrs Jacqueline Ann Farrow (25–50% of shares).
Who runs JA Financial Services?
Companies House lists 2 directors of JA Financial Services: Jacqueline Ann Farrow and Andrew David Farrow.
How long has JA Financial Services been in business?
The company was formed on 18 February 2004, and has held its current FCA authorisation since March 2006.
What do JA Financial Services’ latest accounts show?
Its latest accounts, to 5 April 2025, show net assets of £98.5k (−7.6% from £107k).

Sources and links

The full report on JA Financial Services Limited

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