Paying Too Much Holidays Limited
Reference number: 777660
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Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for 9 years
- Protected through the principal
- No FCA actions
- Active company since 2017
- Accounts filed up to 31 December 2018
- On its latest accounts it owed £999k more than it owned
Responsible principal firm
Eclipse Financial Management Limited Reference number: 535496 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- Paying Too Much Holidays Limited (FRN 777660) introduces customers to Eclipse Financial Management Limited (FRN 535496). Any regulated advice or arranging is done by the principal, not Paying Too Much Holidays.
- Example: if Paying Too Much Holidays refers you to a financial adviser, the advice should come from the principal firm, not from Paying Too Much Holidays itself.
- 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.
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Phone number
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Address
York House, City Fields Business Park, City Fields Way, Tangmere, Chichester, West Sussex, PO20 2FR, United Kingdom
In the full report: 3 background checks
- When holidays.payingtoomuch.com first appeared online, and whether it can receive email
- What kind of line 01243 213213 is
- Who else gives the postcode PO20 2FR
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Eclipse Financial Management 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, freeYou 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
- 10558788 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 January 2017 (9 years old)
- Registered office
- Britannia House, 3-5 Rushmills, Northampton, NN4 7YB, England
- Nature of business
-
- Other service activities not elsewhere classified (SIC 96090)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Julian Kearney | Director | Dec 1964 | 19 Nov 2019 | 3 other companies |
| Darren Michael Saunders | Director | Apr 1975 | 3 Oct 2022 | 4 other companies |
| Chris David Sugden | Director | May 1980 | 3 Oct 2022 | 3 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
- 5
- closed down
- 1
- are FCA-registered
- 2
In the full report: all 5 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 2 on the FCA register
- The 3 companies these 3 directors run together
- All 7 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
−£999k
No earlier figure to compare
Cash at bank
£0
No earlier figure to compare
Employees (average)
4
No earlier figure to compare
Owed within a year
£1.03m
No earlier figure to compare
Total equity is negative: on its last balance sheet the company owed £999k more than it owned.
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 10558788. 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
Paying Too Much Holidays’s history from the FCA register and Companies House, newest first.
2017
27 April 2017
- Became an introducer appointed representative
FCA register
11 January 2017
- Incorporated at Companies House
- Eclipse Financial Holdings Limited took control (75–100% of shares)
Companies House
In the full report: all 14 events
- All 14 events in its history (3 shown here)
- Every director appointment and resignation: 11
Firms connected to Paying Too Much Holidays
Other FCA-listed firms that share a director, phone number or address with Paying Too Much Holidays. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 2
In the full report: all 2 connected firms, named
- How each is linked: shared directors (2)
- Who links each one: the named directors, with dates
Firms like Paying Too Much Holidays
Other firms of the same type (insurance broker), nearest first.
In Chichester
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 Paying Too Much Holidays
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 5 other companies its directors have run, named
- 3 background checks on its contact details
- All 14 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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Who runs Paying Too Much Holidays?
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What do Paying Too Much Holidays’ latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk