Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
Responsible principal firm
Hoyl Independent Advisers Ltd Reference number: 433927 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- Phoenix (CPG) Ltd (FRN 401118) is an AR of Hoyl Independent Advisers Ltd (FRN 433927). When you use Phoenix (CPG)'s services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Phoenix (CPG), complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- 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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No website on the FCA register
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Phone number
-
Address
Upton House, St Margarets Road, Cromer, Norfolk, NR27 9DG, United Kingdom
In the full report: 2 background checks
- What kind of line 01263 513016 is, and the 3 other firms that give it
- Who else gives the postcode NR27 9DG
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Hoyl Independent Advisers Ltd, 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
- 05095917 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 April 2004 (22 years old)
- Registered office
- Upton House, St Margarets Road, Cromer, NR27 9DG, 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 |
|---|---|---|---|---|
| John Michael Victor Ramage | Director | Sep 1961 | 6 Apr 2004 | 18 other companies |
| Paul Cheriton Wreford | Director | Nov 1960 | 8 Dec 2004 | 42 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
- 42
- closed down
- 11
- are FCA-registered
- 4
In the full report: all 42 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 4 on the FCA register
- The 18 companies these 2 directors run together
- All 4 people who have ever been directors, with their dates
Key dates in its history
Phoenix (CPG)’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- Hoyl Group Ltd took control (75–100% of shares)
Companies House
2004
27 May 2004
- Became an appointed representative
FCA register
6 April 2004
- Incorporated at Companies House
Companies House
In the full report: all 7 events
- All 7 events in its history (3 shown here)
- Every director appointment and resignation: 4
Firms connected to Phoenix (CPG)
Other FCA-listed firms that share a director, phone number or address with Phoenix (CPG). A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share a director
- 4
- share its phone number
- 3
In the full report: all 4 connected firms, named
- How each is linked: shared directors (4), the same phone number (3), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Phoenix (CPG)
Other firms of the same type (financial adviser), nearest first.
In Cromer
In the Norwich (NR) postcode area
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 Phoenix (CPG)
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 42 other companies its directors have run, named
- 2 background checks on its contact details
- All 7 events in its history
- 4 connected firms, named, and who links them
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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
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk