Michael Graham Financial Services Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 22 years
Your funds are protected by FSCS
No FCA actions
Active company since 2002

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.

Website

michaelgraham.co.uk/private-finance (opens in a new tab)
Phone number

01234 881183
Address

Michael Graham Estate Agents, 1 St. Peters Street, Bedford, MK40 2PN, United Kingdom

In the full report: 3 background checks

When michaelgraham.co.uk first appeared online, and whether it can receive email
What kind of line 01234 881183 is
Who else gives the postcode MK40 2PN

Other names (1)

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

Michael Graham Private Finance Trading name: A name it trades under now.

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 (11 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 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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: 04464166 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 19 June 2002 (24 years old)
Registered office: The Pinnacle Building A, 150-170 Midsummer Boulevard, Milton Keynes, Buckinghamshire, MK9 1FD, United Kingdom
Nature of business: Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Simon George Cooper Hill	Director	Jun 1965	19 Jun 2002	31 other companies
Lucy Ann Hill	Director	Sep 1965	2 Nov 2009	18 other companies
Chris Wilson	Director	Oct 1964	3 Feb 2012	None
Simon George Cooper Hill	Secretary	Not published	19 Jun 2002	31 other companies

Other companies run by these 3 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: 31
closed down: 3
run together: 18

In the full report: all 31 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration
The 18 companies these 3 directors run together
All 4 people who have ever been directors, with their dates

Key dates in its history

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

Key events (5) All events (13)

2016

6 April 2016

L A Trading Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

Regulated by the FCA from this date

FCA register

2004

31 October 2004

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

FCA register

2002

19 June 2002

Incorporated at Companies House

Companies House

In the full report: all 13 events

All 13 events in its history (5 shown here)
Every director appointment and resignation: 5

Firms connected to Michael Graham Financial Services

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

connected firms: 3
share its postcode: 3

In the full report: all 3 connected firms, named

How each is linked: the same postcode (3)
Who links each one: the named directors, with dates

Firms like Michael Graham Financial Services

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

In Bedford

Anthony & Co Asset Management LtdBedfordAuthorised Clark Finance LtdBedfordAuthorised Financial Matters (UK) LtdBedfordAuthorised Less Stress Mortgages LimitedBedfordAuthorised Manor Mortgages LimitedBedfordAuthorised Mayfair Insurance and Mortgage Consultants LimitedBedfordAuthorised

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 Michael Graham Financial Services

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

31 other companies its directors have run, named
3 background checks on its contact details
All 13 events in its history
3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Michael Graham Financial Services Limited FCA authorised?

Yes, Michael Graham Financial Services Limited (FRN 307771) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2004 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is Michael Graham Financial Services’ phone number and website?

The FCA register lists the phone number 01234 881183 and the website michaelgraham.co.uk/private-finance for Michael Graham Financial Services. If you were given different contact details, use these to check with the firm before going any further.

Is Michael Graham Financial Services a scam or clone?

Michael Graham 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 Michael Graham 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 Michael Graham Financial Services to the Financial Ombudsman Service, free of charge.

Who owns Michael Graham Financial Services?

Michael Graham Financial Services is owned by L A Trading Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.

Who runs Michael Graham Financial Services?

Companies House lists 3 directors of Michael Graham Financial Services: Simon George Cooper Hill, Lucy Ann Hill and Chris Wilson.

How long has Michael Graham Financial Services been in business?

The company was formed on 19 June 2002, and has held its current FCA authorisation since October 2004.

Does Michael Graham Financial Services use any other names?

It trades as Michael Graham Private Finance.