PF Financial Ltd
Reference number: 627955
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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.
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Phone number
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Address
P F Financial, Financial, 1A High Street, Bovingdon, Hemel Hempstead, Hertfordshire, HP3 0HG, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When pffinancial.co.uk first appeared online, and whether it can receive email
- What kind of line 01494 778899 is
- Who else gives the postcode HP3 0HG
Other names (2)
If you were contacted under any of these names, it is this firm.
- Potter and Ford Ltd Former name: A name it was registered under before.
- CAP Independent Financial Services Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA 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 applyEligible 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 · Arrange equity release FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (14 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 Pension Transfers and Pension Opt Outs
- 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
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
- 06044532 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 8 January 2007 (19 years old)
- Registered office
- 1a High Street, Bovingdon, Hemel Hempstead, Hertfordshire, HP3 0HG, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Jeremy Philip Elverson | Director | Feb 1965 | 8 Jan 2007 | 3 other companies |
| James Michael Pinder | Director | Jan 1991 | 1 Mar 2023 | None |
| Urmi Acharya | Director | Feb 1977 | 1 Mar 2025 | None |
| Loraine Elverson | Secretary | Not published | 8 Jan 2007 | – |
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
- 3
- closed down
- 3
In the full report: all 3 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
- All 6 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£12.5k
+74% from £7,182
Cash at bank
£2,074
Up £1,780 from £294
Employees (average)
5
−17% from 6
Owed within a year
£38.7k
+239% from £11.4k
No turnover or profit for the year to 31 May 2026: the accounts print them but do not tag them. The last tagged figures are £350k turnover and £9,443 profit, for the year to 31 May 2025.
Turnover and profit
In the full report: all 7 years of accounts
- Every year from 2020 to 2026
- Both charts, over every year
- Every filed figure, year by year
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 06044532. 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
PF Financial’s history from the FCA register and Companies House, newest first.
2025
1 March 2025
- Urmi Acharya gained significant control
Companies House
2024
1 January 2024
- James Michael Pinder became a part-owner (25–50% of shares)
Companies House
2021
1 May 2021
- Richard Derrick French no longer has significant control
- Robert Charles Lees no longer has significant control
Companies House
3 February 2021
- Changed its registered name from "Potter and Ford Ltd"
FCA register
2016
6 April 2016
- Jeremy Philip Elverson became a part-owner (25–50% of shares)
- Richard Derrick French gained significant control
- Robert Charles Lees gained significant control
Companies House
2015
2 January 2015
- Regulated by the FCA from this date
- Became authorised by the FCA
FCA register
2007
8 January 2007
- Incorporated at Companies House
Companies House
In the full report: all 25 events
- All 25 events in its history (11 shown here)
- Every director appointment and resignation: 9
Firms like PF Financial
Other firms of the same type (financial adviser), nearest first.
In Hemel Hempstead
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 PF Financial
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 3 background checks on its contact details, 1 flagged
- 7 years of accounts, charted
- All 25 events in its history
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk