Pacific Financial Solutions Ltd

Reference number: 688034

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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 thedebtadviceservice.co.uk first appeared online, and whether it can receive email
  • What kind of line 0333 242 3806 is
  • Who else gives the postcode OL9 9RH
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Other names (8)

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

  • debt-advice-expert.co.uk Trading name
  • TDAS Trading name
  • The Debt Advice Service Trading name
  • thedebtadviceservice.co.uk Trading name
  • Debt Rescuers Former trading name
  • Freeze Debt Former trading name
  • www.debtrescuers.co.uk Former trading name
  • www.pacificfs.co.uk Former trading name

FCA permissions and consumer protection

  • 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 (1 permission)
  • Debt-counselling

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.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company number
09404359
Company status
Active
Company type
Private limited company
Incorporated
23 January 2015 (11 years old)
Registered office
Ram Mill Gordon Street, Chadderton, Oldham, Greater Manchester, OL9 9RH, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Aaron James Beckman Director Mar 1983 23 Jan 2015 10 other companies

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
10
closed down
4
went insolvent
1

In the full report: all 10 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • The one 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 January 2025Full accountsNot audited

Net assets

£6,900

+12% from £6,136

Cash at bank

£121k

−48% from £233k

Owed within a year

£304k

−9.8% from £337k

No turnover or profit for the year to 31 January 2025: the accounts print them but do not tag them. The last tagged figures are £962k turnover and £16.2k profit, for the year to 31 January 2020.

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.

Accounts filed at Companies House for company 09404359. 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

Pacific Financial Solutions’s history from the FCA register and Companies House, newest first.

Key events (6) All events (29)

2020

29 September 2020

  • Kirk Ian Calvert stopped being a part-owner

Companies House

2017

21 January 2017

  • Aaron James Beckman took control (75–100% of shares)
  • Kirk Ian Calvert became a part-owner (25–50% of shares)

Companies House

2016

5 August 2016

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2015

23 January 2015

  • Incorporated at Companies House

Companies House

In the full report: all 29 events

  • All 29 events in its history (6 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Pacific Financial Solutions

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Pacific Financial Solutions

Other firms of the same type (debt advice or management), nearest first.

In the Oldham (OL) postcode area

Debt CorrectHeywoodAuthorisedRochdale Boroughwide HousingRochdaleAuthorisedTameside Citizens Advice Bureau Ltd.Ashton-Under-LyneAuthorisedDebt Correct LimitedHeywoodAppointed 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 Pacific Financial Solutions

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

  • 10 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 29 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Pacific Financial Solutions Ltd FCA authorised?
Yes, Pacific Financial Solutions Ltd (FRN 688034) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2016 and works as a debt advice or management. The FCA has placed no limits on its permissions.
What is Pacific Financial Solutions’ phone number and website?
The FCA register lists the phone number 0333 242 3806 and the website thedebtadviceservice.co.uk for Pacific Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Pacific Financial Solutions a scam or clone?
Pacific Financial Solutions 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 Pacific Financial Solutions?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Pacific Financial Solutions handles your money, so check the specific product before you commit. You can also refer complaints about Pacific Financial Solutions to the Financial Ombudsman Service, free of charge.
Who owns Pacific Financial Solutions?
Companies House lists one person with significant control of Pacific Financial Solutions: Mr Aaron James Beckman (75–100% of shares). Before that, it was controlled by Mr Kirk Ian Calvert.
Who runs Pacific Financial Solutions?
Companies House lists one director of Pacific Financial Solutions: Aaron James Beckman.
How long has Pacific Financial Solutions been in business?
The company was formed on 23 January 2015, and has held its current FCA authorisation since August 2016.
What do Pacific Financial Solutions’ latest accounts show?
Its latest accounts, to 31 January 2025, show net assets of £6,900 (+12% from £6,136) and cash at bank of £121k (−48% from £233k).
Does Pacific Financial Solutions use any other names?
It trades as debt-advice-expert.co.uk, TDAS, The Debt Advice Service and thedebtadviceservice.co.uk. It has previously used 4 other names, including Debt Rescuers, Freeze Debt and www.debtrescuers.co.uk.

Sources and links

The full report on Pacific Financial Solutions Ltd

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