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.
- Appointed for 8 years
- Protected through the principal
- No FCA actions
- Active company since 2013
- Accounts filed up to 31 January 2026
Responsible principal firm
Mortgage Advice Bureau (Derby) Limited Reference number: 466154 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.
- Plus Financial Group Ltd (FRN 806272) is an AR of Mortgage Advice Bureau (Derby) Limited (FRN 466154). When you use Plus Financial Group's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Plus Financial Group, 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
32 Pepper Wood Drive, Northfield, Birmingham, Birmingham, B31 5HX, United Kingdom
In the full report: 2 background checks
- What kind of line 01564 651291 is
- Who else gives the postcode B31 5HX
Other names (9)
If you were contacted under any of these names, it is this firm.
- Plus Mortgages Trading name: A name it trades under now.
- Chapman and Lewis Commercial Limited Former name: A name it was registered under before.
- J Chapman Limited Former name: A name it was registered under before.
- Plus Financial Group Limited Former name: A name it was registered under before.
- Company Protection Former trading name: A name it used to trade under.
- Futura Business Finance Former trading name: A name it used to trade under.
- Plus Financial Education Former trading name: A name it used to trade under.
- Plus Healthcare Former trading name: A name it used to trade under.
- Plus Protect Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Mortgage Advice Bureau (Derby) Limited, 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 name
- PLUS FINANCIAL GROUP LIMITED
- Company number
- 08365578 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 18 January 2013 (13 years old)
- Registered office
- 32 Pepper Wood Drive, Northfield, Birmingham, B31 5HX, England
- Nature of business
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- Management consultancy activities other than financial management (SIC 70229)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Joanne Wendy Chapman | Director | Sep 1977 | 18 Jan 2013 | None |
| Nicola Gauntlett | Director | Dec 1981 | 8 Jan 2025 | 1 other company |
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 company
- 1
- still active
- 1
In the full report: all 1 company, 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
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£142k
−11% from £158k
Employees (average)
3
−25% from 4
Owed within a year
£24.6k
−19% from £30.4k
Net assets
In the full report: all 7 years of accounts
- Every year from 2020 to 2026
- The chart, 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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 08365578. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Plus Financial Group’s history from the FCA register and Companies House, newest first.
2025
8 January 2025
- Nicola Gauntlett became a part-owner (25–50% of shares)
Companies House
2022
6 April 2022
- Changed its registered name from "Chapman and Lewis Commercial Limited"
FCA register
25 February 2022
- Changed its registered name from "Plus Financial Group Limited"
FCA register
2018
6 December 2018
- Changed its registered name from "J Chapman Limited"
FCA register
11 April 2018
- Became an appointed representative
FCA register
2016
6 April 2016
- Joanne Wendy Chapman became a part-owner (25–50% of shares)
Companies House
2013
18 January 2013
- Incorporated at Companies House
Companies House
In the full report: all 26 events
- All 26 events in its history (7 shown here)
- Every director appointment and resignation: 8
Firms like Plus Financial Group
Other firms of the same type (mortgage adviser or broker), nearest first.
In Birmingham
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 Plus Financial Group
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 26 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
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk