Retire Different Limited: FCA regulated?

No longer an appointed representative

This firm is still listed on the FCA register, but the record is closed. Cover on business done while it was authorised generally still applies, and it cannot take on new regulated business. Registration ended 6 August 2025.

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.

Last known website

retiredifferent.co.uk
Last known phone number

020 7444 8800
Last known address

Enterprise House, Bancroft Road, Reigate, Surrey, RH2 7RP, United Kingdom

In the full report: 3 background checks

When retiredifferent.co.uk first appeared online, and whether it can receive email
What kind of line 020 7444 8800 is
Who else gives the postcode RH2 7RP

Other names (1)

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

Just Trading name: A name it trades under now.

Past FCA permissions and consumer protection

The record is closed
Cover you already have generally survives the cancellation: FSCS exists for firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading, as long as the business was done while it was authorised. New business with this firm has no cover at all, because it is no longer permitted to carry it out.

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: 10496803 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 25 November 2016 (9 years old)
Registered office: Enterprise House, Bancroft Road, Reigate, RH2 7RP, England
Nature of business: Non-trading company non trading (SIC 74990)
Dormant Company (SIC 99999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Shashank Bhalla	Director	Mar 1986	1 Apr 2026	19 other companies
Arshil Jamal	Director	Sep 1967	1 Apr 2026	7 other companies
Frank Trevor Oldham	Director	Apr 1961	1 Apr 2026	10 other companies
Anna Wyse	Secretary	Not published	1 May 2026	–

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: 23
closed down: 2
are FCA-registered: 7

In the full report: all 23 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 7 on the FCA register
The 7 companies these 3 directors run together
All 7 people who have ever been directors, with their dates

Key dates in its history

Retire Different’s history from the FCA register and Companies House, newest first.

Key events (4) All events (16)

2026

24 April 2026

Board replaced: all 4 directors left and 3 new directors took over

Companies House

2025

6 August 2025

Stopped being an appointed representative

FCA register · Companies House

2016

25 November 2016

Incorporated at Companies House
Just Retirement (Holdings) Limited took control (75–100% of shares)

Companies House

In the full report: all 16 events

All 16 events in its history (4 shown here)
Every director appointment and resignation: 11

Firms connected to Retire Different

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

connected firms: 6
share a director: 6
share its postcode: 5

In the full report: all 6 connected firms, named

How each is linked: shared directors (6), the same postcode (5)
Who links each one: the named directors, with dates
1 past link through former directors

Get the full report on Retire Different

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

23 other companies its directors have run, named
3 background checks on its contact details
All 16 events in its history
6 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Retire Different Limited FCA authorised?

No. Retire Different Limited (FRN 1038604) is still listed on the FCA register, but the record is closed: no longer an appointed representative.

Is Retire Different a scam or clone?

Retire Different is not currently authorised by the FCA. Be cautious and verify any firm on the FCA register before dealing with it.

Is my money safe with Retire Different?

Money you handed over while it was authorised generally keeps its protection: FSCS covers firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading. New business with Retire Different has no cover, because it is no longer permitted to carry it out.

Who owns Retire Different?

Retire Different is owned by Just Retirement (Holdings) Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 25 November 2016.

Who runs Retire Different?

Companies House lists 3 directors of Retire Different: Shashank Bhalla, Arshil Jamal and Frank Trevor Oldham.

How long has Retire Different been in business?

The company was formed on 25 November 2016.

Does Retire Different use any other names?

It trades as Just.