Pacific Lifestyle Limited

Reference number: 985047

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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 ruma.co.uk first appeared online, and whether it can receive email
  • What kind of line 01484 642115 is
  • Who else gives the postcode HD3 4JD
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Other names (1)

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

  • Ruma 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)
  • Credit Broking

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
01625765
Company status
Active
Company type
Private limited company
Incorporated
30 March 1982 (44 years old)
Registered office
Stafford Mills, Milnsbridge, Huddersfield, West Yorkshire, HD3 4JD
Nature of business
  • Wholesale of furniture, carpets and lighting equipment (SIC 46470)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Simon Hutchison Director Sep 1969 31 Dec 2009 3 other companies
Nigel St John Lawrence Director Aug 1972 31 Dec 2009 3 other companies
Rebecca Louise Hutchison Director May 1969 1 Jan 2020 4 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
7
closed down
1
run together
3

In the full report: all 7 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 3 companies these 3 directors run together
  • All 7 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Profit before tax

£623k

From a loss of £149k

Net assets

£4.09m

<1% from £4.13m

Cash at bank

£452k

−52% from £934k

Owed within a year

£3.73m

+13% from £3.31m

The accounts for the year to 31 December 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £14.3m, for the year to 31 December 2022.

Profit before tax

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • Both charts, 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 01625765. 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 Lifestyle’s history from the FCA register and Companies House, newest first.

Key events (4) All events (15)

2023

30 March 2023

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

FCA register

2016

6 April 2016

  • Stafford Mills Holdings Limited took control (75–100% of shares)

Companies House

1982

30 March 1982

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (4 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Pacific Lifestyle

Other FCA-listed firms that share a director, phone number or address with Pacific Lifestyle. 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 Lifestyle

Other firms of the same type (credit broker), nearest first.

In Huddersfield

Antony PiccioniHuddersfieldAuthorisedEagle Music ShopHuddersfieldAuthorisedEDC Fleet Leasing LtdHuddersfieldAuthorisedLee Paul JohnsonHuddersfieldAuthorisedPreetpal DhillonHuddersfieldAuthorisedTaxAssist AccountantsHuddersfieldAppointed 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 Lifestyle

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 15 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Pacific Lifestyle Limited FCA authorised?
Yes, Pacific Lifestyle Limited (FRN 985047) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2023 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Pacific Lifestyle’s phone number and website?
The FCA register lists the phone number 01484 642115 and the website ruma.co.uk for Pacific Lifestyle. If you were given different contact details, use these to check with the firm before going any further.
Is Pacific Lifestyle a scam or clone?
Pacific Lifestyle 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 Lifestyle?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Pacific Lifestyle handles your money, so check the specific product before you commit. You can also refer complaints about Pacific Lifestyle to the Financial Ombudsman Service, free of charge.
Who owns Pacific Lifestyle?
Pacific Lifestyle is owned by Stafford Mills Holdings Limited, which holds 75–100% of shares, since 6 April 2016.
Who runs Pacific Lifestyle?
Companies House lists 3 directors of Pacific Lifestyle: Andrew Simon Hutchison, Nigel St John Lawrence and Rebecca Louise Hutchison.
How long has Pacific Lifestyle been in business?
The company was formed on 30 March 1982, and has held its current FCA authorisation since March 2023.
What do Pacific Lifestyle’s latest accounts show?
Its latest accounts, to 31 December 2025, show profit before tax of £623k (from a loss of £149k) and net assets of £4.09m (<1% from £4.13m).
Does Pacific Lifestyle use any other names?
It trades as Ruma.

Sources and links

The full report on Pacific Lifestyle Limited

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