Pembrokeshire Mortgage Centre Ltd

Reference number: 479220

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Authorised, but in an insolvency process

This firm is under the control of insolvency practitioners and may have stopped taking on new business. If you are or were a customer, deal with the appointed office holders rather than the firm.

What the FCA says

ATTENTION - Firm in an insolvency process

This firm is in an insolvency process. It is under the control of the appointed insolvency office holder(s) and may have stopped taking on new business. It has to continue to meet our standards in line with its regulatory status, including when dealing with its customers. If you are/were a customer check how this affects you with the firm or the appointed insolvency office holder(s).

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.

  • No website on the FCA register

  • No phone number on the FCA register

  • Address

    Gareth Bishop & Sandra McAlister, McAlistr & Co Insolvency Practitioners, 10 St Helens Road, Swansea, SA1 4AW, United States Minor Outlying Islands

In the full report: 1 background check

  • Who else gives the postcode SA1 4AW
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Other names (3)

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

  • County Financial Consultants Trading name
  • Andrew Carne Financial Services Former trading name
  • AWB Independent Financial Planning Services Former trading name

Past FCA permissions and consumer protection

  • In an insolvency process
    Money the firm held is returned through the appointed office holders, which takes time and can fall short. The FSCS covers eligible claims up to its limits, and the Ombudsman can still look at a complaint.
Show FCA detail (15 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing basic advice on stakeholder products

FCA disciplinary action

FCA action

fine
1
most recent
December 2022
  • Fined on 6 December 2022
    The Authority takes this action against PMC for breaches of Principle 3 (Management and Control), Principle 7 (Communications with Clients) and Principle 9 (Customers: Relationships of Trust) of the Authority’s Principles for Businesses (the Principles) that occurred between 8 June 2015 and 7 December 2017 (the Relevant Period). The breaches relate to advice provided to customers to transfer out of occupational Defined Benefit Pension Schemes, in particular the British Steel Pension Scheme, into alternative pension arrangements.

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

  • Companies House records this company in liquidation, but it is still authorised on the FCA register.
  • Accounts are overdue at Companies House.
  • Confirmation statement is overdue at Companies House.
  • This company has insolvency history on record.
Company name
PEMBROKESHIRE MORTGAGE CENTRE LIMITED
Company number
04680558
Company status
Liquidation
Company type
Private limited company
Incorporated
27 February 2003 (23 years old)
Registered office
Menzies Llp 5th Floor Hodge House, 114-116 St Mary Street, Cardiff, CF10 1DY
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Ian Poole Director Sep 1968 27 Feb 2003 3 other companies
Denis Lee Morgan Director Oct 1971 27 Feb 2003 2 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
4
closed down
3
run together
1

In the full report: all 4 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
  • The 1 company these 2 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2018Micro-entity accountsNot audited

Net assets

£43.2k

+11% from £39.0k

Owed within a year

£30.3k

−74% from £117k

Its next accounts are overdue at Companies House.

Assets and liabilities

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 04680558. 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

Pembrokeshire Mortgage Centre’s history from the FCA register and Companies House, newest first.

Key events (6) All events (22)

2022

6 December 2022

  • Fined by the FCA

FCA register

2016

30 June 2016

  • Denis Lee Morgan became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2008

2 June 2008

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

FCA register

2003

27 February 2003

  • Incorporated at Companies House

Companies House

In the full report: all 22 events

  • All 22 events in its history (6 shown here)
  • Every director appointment and resignation: 8
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Firms like Pembrokeshire Mortgage Centre

Other firms of the same type (financial adviser), nearest first.

In Swansea

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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 Pembrokeshire Mortgage Centre

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

  • 4 other companies its directors have run, named
  • 1 background check on its contact details
  • All 22 events in its history

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Frequently asked questions about this firm

Is Pembrokeshire Mortgage Centre Ltd FCA authorised?
Yes, Pembrokeshire Mortgage Centre Ltd (FRN 479220) is authorised by the FCA to carry out regulated activities. It is also in an insolvency process, under the control of insolvency practitioners, so deal with the appointed office holders rather than the firm. It has held its current authorisation since June 2008 and works as a financial adviser. The FCA has placed no limits on its permissions.
Is Pembrokeshire Mortgage Centre a scam or clone?
Pembrokeshire Mortgage Centre 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 Pembrokeshire Mortgage Centre?
Pembrokeshire Mortgage Centre is under the control of insolvency practitioners, so money it held is returned through the appointed office holders rather than by the firm. That takes time and can fall short. Where money is missing, the FSCS covers eligible claims up to its limits, and the Financial Ombudsman Service can still consider a complaint.
Who owns Pembrokeshire Mortgage Centre?
Companies House lists one person with significant control of Pembrokeshire Mortgage Centre: Mr Denis Lee Morgan (25–50% of shares).
Who runs Pembrokeshire Mortgage Centre?
Companies House lists 2 directors of Pembrokeshire Mortgage Centre: Ian Poole and Denis Lee Morgan.
How long has Pembrokeshire Mortgage Centre been in business?
The company was formed on 27 February 2003. Companies House now lists it as liquidation.
What do Pembrokeshire Mortgage Centre’s latest accounts show?
Its latest accounts, to 31 December 2018, show net assets of £43.2k (+11% from £39.0k). Its accounts are overdue at Companies House.
Has the FCA taken action against Pembrokeshire Mortgage Centre?
Yes. The FCA register records 1 fine in 2022. The details are in the disciplinary section above, with links to the FCA's notices.
Does Pembrokeshire Mortgage Centre use any other names?
It trades as County Financial Consultants. It has previously used 2 other names: Andrew Carne Financial Services and AWB Independent Financial Planning Services.

Sources and links

The full report on Pembrokeshire Mortgage Centre Ltd

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