Perspective (Central & East) Limited

Reference number: 223377

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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 pfgl.co.uk first appeared online, and whether it can receive email
  • What kind of line 01536 443200 is
  • Who else gives the postcode NN17 5JG
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Other names (15)

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

  • Perspective (Carlton Smith Private Wealth) Trading name
  • Perspective (Chapter Wealth) Trading name
  • Perspective (Chiltern) Trading name
  • Perspective (Clayden Financial) Trading name
  • Perspective (Cockburn Lucas) Trading name
  • Perspective (Fenton & Danes) Trading name
  • Perspective (Fortitude) Trading name
  • Perspective (Holden & Partners) Trading name
  • Perspective (Warwick Financial Solutions) Trading name
  • TaxAssist Plus Financial Planning (Central & East) Trading name
  • Perspective (Central & East) Ltd Former name
  • Perspective (Northants & Cambs) Ltd Former name
  • The Independent Life & Pensions Group Limited Former name
  • Perspective (Chelmsford) Former trading name
  • Perspective (East Anglia) Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (11 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
03355843
Company status
Active
Company type
Private limited company
Incorporated
18 April 1997 (29 years old)
Registered office
Lancaster House Ackhurst Business Park, Foxhole Road, Chorley, PR7 1NY, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Julie Suzanne Hepworth Director Mar 1974 8 Jan 2021 66 other companies
David John Philip Hesketh Director May 1981 8 Jan 2021 23 other companies
Ian Mitcheal Wilkinson Director Nov 1970 8 Jan 2021 14 other companies
David John Philip Hesketh Secretary Not published 8 Jan 2021 –

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
83
closed down
13
are FCA-registered
5

In the full report: all 83 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
  • The 13 companies these 3 directors run together
  • All 9 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2020Abridged accountsNot audited

Net assets

£136k

No earlier figure to compare

Cash at bank

£205k

No earlier figure to compare

Employees (average)

10

No earlier figure to compare

Owed within a year

£98.8k

No earlier figure to compare

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 03355843. 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

Perspective (Central & East)’s history from the FCA register and Companies House, newest first.

Key events (10) All events (42)

2024

17 December 2024

  • Changed its registered name from "Perspective (Central & East) Ltd"

FCA register

2 December 2024

  • Changed its registered name from "Perspective (Northants & Cambs) Ltd"

FCA register

2021

8 January 2021

  • Changed its registered name from "The Independent Life & Pensions Group Limited"

FCA register · Companies House

2017

30 June 2017

  • Alan Bros stopped being a part-owner
  • Ilpg Ltd took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Alan Bros became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2003

10 June 2003

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

FCA register

1997

18 April 1997

  • Incorporated at Companies House

Companies House

In the full report: all 42 events

  • All 42 events in its history (10 shown here)
  • Every director appointment and resignation: 15
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Firms connected to Perspective (Central & East)

Other FCA-listed firms that share a director, phone number or address with Perspective (Central & East). A link shows who the firm is tied to, not whether either can be trusted.

connected firms
6
share a director
5
share its postcode
1

In the full report: all 6 connected firms, named

  • How each is linked: shared directors (5), the same postcode (1)
  • Who links each one: the named directors, with dates
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Firms like Perspective (Central & East)

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

In Corby

Hof Rogers Financial LimitedCorbyAppointed representativeIan CameronCorbyAppointed representativeIan TaitCorbyAppointed representativeLilac Financial LimitedCorbyAppointed 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 Perspective (Central & East)

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

  • 83 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 42 events in its history
  • 6 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Perspective (Central & East) Limited FCA authorised?
Yes, Perspective (Central & East) Limited (FRN 223377) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2003 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Perspective (Central & East)’s phone number and website?
The FCA register lists the phone number 01536 443200 and the website pfgl.co.uk/pcel for Perspective (Central & East). If you were given different contact details, use these to check with the firm before going any further.
Is Perspective (Central & East) a scam or clone?
Perspective (Central & East) 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 Perspective (Central & East)?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Perspective (Central & East) to the Financial Ombudsman Service, free of charge.
Who owns Perspective (Central & East)?
Perspective (Central & East) is owned by Ilpg Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 30 June 2017. Before that, it was controlled by Mr Alan Bros.
Who runs Perspective (Central & East)?
Companies House lists 3 directors of Perspective (Central & East): Julie Suzanne Hepworth, David John Philip Hesketh and Ian Mitcheal Wilkinson.
How long has Perspective (Central & East) been in business?
The company was formed on 18 April 1997, and has held its current FCA authorisation since June 2003.
What do Perspective (Central & East)’s latest accounts show?
Its latest accounts, to 30 June 2020, show net assets of £136k (no earlier figure to compare) and cash at bank of £205k (no earlier figure to compare).
Does Perspective (Central & East) use any other names?
It trades as Perspective (Carlton Smith Private Wealth), Perspective (Chapter Wealth), Perspective (Chiltern), Perspective (Clayden Financial) and Perspective (Cockburn Lucas), and 5 more names. It has previously used 5 other names, including Perspective (Central & East) Ltd, Perspective (Northants & Cambs) Ltd and The Independent Life & Pensions Group Limited.

Sources and links

The full report on Perspective (Central & East) Limited

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