Personal Management Solutions Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 9 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 2001
Its phone number is also given by a firm that is no longer authorised
One of its directors is also a director of a firm that is no longer authorised

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

PERSONAL MANAGEMENT SOLUTIONS LIMITED Reference number: 847649 Appointed rep

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

hapi.co.uk (opens in a new tab)
Phone number

01908 605000

Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.
Address

John Ormond House, 899 Silbury Boulevard, Milton Keynes, MK9 3XL, United Kingdom

In the full report: 3 background checks

When hapi.co.uk first appeared online, and whether it can receive email
What kind of line 01908 605000 is, and the 4 other firms that give it
Who else gives the postcode MK9 3XL

Other names (1)

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

Personal Group Trading name: A name it trades under now.

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: 04232995 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 12 June 2001 (25 years old)
Registered office: John Ormond House, 899 Silbury Boulevard, Milton Keynes, Buckinghamshire, MK9 3XL
Nature of business: Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Karen Thornley	Director	Nov 1973	8 Mar 2021	2 other companies
Paula Jane Brown	Director	May 1978	1 Aug 2023	27 other companies
Matthew Adam Cohen	Director	Apr 1990	18 Jun 2026	13 other companies
Joshua Roberts-Jones	Secretary	Not published	23 Jan 2025	–

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: 32
closed down: 15
are FCA-registered: 5

In the full report: all 32 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 5 on the FCA register, including one no longer authorised
The 8 companies these 3 directors run together
All 24 people who have ever been directors, with their dates

Key dates in its history

Personal Management Solutions’s history from the FCA register and Companies House, newest first.

Key events (4) All events (52)

2017

5 September 2017

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

FCA register

2016

6 April 2016

Personal Group Limited took control (75–100% of shares)

Companies House

2001

12 June 2001

Incorporated at Companies House

Companies House

In the full report: all 52 events

All 52 events in its history (4 shown here)
Every director appointment and resignation: 45

Firms connected to Personal Management Solutions

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

connected firms: 4
no longer authorised: 1
share a director: 4

In the full report: all 4 connected firms, named

How each is linked: shared directors (4), the same phone number (4), the same postcode (4)
Who links each one: the named directors, with dates
1 past link through former directors

Firms like Personal Management Solutions

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

In Milton Keynes

The Open UniversityMilton KeynesAuthorised Yamaha Music Europe GMBH (UK)Milton KeynesAuthorised Amplius LivingMilton KeynesAuthorised Approved Business Finance LtdMilton KeynesAuthorised Bucks Asset Finance LimitedMilton KeynesAuthorised Century Business Finance LimitedMilton KeynesAuthorised

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 Personal Management Solutions

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

32 other companies its directors have run, named
3 background checks on its contact details
All 52 events in its history
4 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Personal Management Solutions Limited FCA authorised?

Yes, Personal Management Solutions Limited (FRN 783957) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2017 and works as a credit broker. The FCA has placed no limits on its permissions.

What is Personal Management Solutions’ phone number and website?

The FCA register lists the phone number 01908 605000 and the website hapi.co.uk for Personal Management Solutions. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 4 other FCA firms, one of which is no longer authorised.

Is Personal Management Solutions a scam or clone?

Personal Management 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 Personal Management Solutions?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Personal Management Solutions handles your money, so check the specific product before you commit. You can also refer complaints about Personal Management Solutions to the Financial Ombudsman Service, free of charge.

Who owns Personal Management Solutions?

Personal Management Solutions is owned by Personal Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.

Who runs Personal Management Solutions?

Companies House lists 3 directors of Personal Management Solutions: Karen Thornley, Paula Jane Brown and Matthew Adam Cohen.

How long has Personal Management Solutions been in business?

The company was formed on 12 June 2001, and has held its current FCA authorisation since September 2017.

Does Personal Management Solutions use any other names?

It trades as Personal Group.