ST&H Limited

Reference number: 455489

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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

Saga Services Limited Reference number: 311557 Authorised 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.
  • ST&H Limited (FRN 455489) is an AR of Saga Services Limited (FRN 311557). When you use ST&H's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from ST&H, 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.

In the full report: 3 background checks

  • When saga.co.uk first appeared online, and whether it can receive email
  • What kind of line 01303 771111 is, and the 4 other firms that give it
  • Who else gives the postcode N1C 4AG
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Other names (34)

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

  • Saga Holidays Trading name
  • Travellers World Trading name
  • Acromas Holidays Ltd Former name
  • Saga Holidays Ltd Former name
  • AA Getaways Former trading name
  • AA Travel Former trading name
  • Acromas Holidays Former trading name
  • Connections Former trading name
  • Destinology Former trading name
  • Driveline Former trading name
  • Elegant River Cruises Former trading name
  • Grandstand Tours Former trading name
  • Great Getaways Former trading name
  • Inter-Church Former trading name
  • National Geographic Journeys Former trading name
  • Quest for Adventure Former trading name
  • Saga Cruises Former trading name
  • Saga Cruising Former trading name
  • Saga Overseas Homes Former trading name
  • Saga Pearl Former trading name
  • Saga Pearl 11 Former trading name
  • Saga Rose Former trading name
  • Saga Ruby Former trading name
  • Saga Sapphire Former trading name
  • Spirit of Adventure Former trading name
  • Spirit of Adventure Classic Journeys Former trading name
  • Spirit of Adventure Cruises Former trading name
  • Spirit of Adventure Holidays Former trading name
  • Spirit of Adventure Tours Former trading name
  • Tailor Made Travel Former trading name
  • The Classic Traveller Former trading name
  • Titan Hi Tours Former trading name
  • Titan Travel Former trading name
  • Ultimate Retreats Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Saga Services 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, free
    You 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
02174052
Company status
Active
Company type
Private limited company
Incorporated
6 October 1987 (39 years old)
Registered office
3 Pancras Square, London, N1C 4AG, United Kingdom
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
Nigel Owen Blanks Director Aug 1967 31 Jan 2022 9 other companies
Andrew Joseph Harwood Director Dec 1967 31 Jan 2022 11 other companies
Michael Robert Hazell Director Jun 1973 19 Oct 2023 7 other companies
Mark Watkins Director Dec 1980 21 Mar 2024 34 other companies
Frances Charlotte Collins Director Jan 1977 20 Jul 2026 9 other companies
Donna Louise Kempster Secretary Not published 14 Oct 2022 –

Other companies run by these 5 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
43
closed down
15
went insolvent
1

In the full report: all 43 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 4 on the FCA register
  • The 16 companies these 5 directors run together
  • All 40 people who have ever been directors, with their dates
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Key dates in its history

St&h’s history from the FCA register and Companies House, newest first.

Key events (5) All events (140)

2016

22 August 2016

  • Changed its registered name from "Acromas Holidays Ltd"

FCA register

6 April 2016

  • St&H Group Limited took control (75–100% of shares)

Companies House

2009

14 May 2009

  • Changed its registered name from "Saga Holidays Ltd"

FCA register

2006

3 August 2006

  • Became an appointed representative

FCA register

1987

6 October 1987

  • Incorporated at Companies House

Companies House

In the full report: all 140 events

  • All 140 events in its history (5 shown here)
  • Every director appointment and resignation: 73
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Firms connected to St&h

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

connected firms
5
share a director
3
share its phone number
4

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (3), the same phone number (4), the same postcode (4)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like St&h

Other firms of the same type (credit broker), nearest first.

In the North London (N) postcode area

Saga Travel Group (UK) LtdAppointed representativeAatesh AmlaniLondonAppointed representativeBellpoint Capital LtdLondonAppointed representativeBush Hill Park Golf Club LimitedLondonAppointed representativeCore Capital LimitedLondonAppointed representativeDMT One Stop Solutions LtdLondonAppointed 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 St&h

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

  • 43 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 140 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is ST&H Limited FCA authorised?
ST&H Limited (FRN 455489) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for St&h?
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. ST&H Limited (FRN 455489) is an AR of Saga Services Limited (FRN 311557). When you use St&h's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from St&h, 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.
What is St&h’s phone number and website?
The FCA register lists the phone number 01303 771111 and the website saga.co.uk for St&h. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 4 other FCA firms.
Is St&h a scam or clone?
St&h 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 St&h?
Protection works through Saga Services Limited, the principal firm responsible for St&h's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns St&h?
St&h is owned by St&H Group Limited, which holds 75–100% of shares, since 6 April 2016.
Who runs St&h?
Companies House lists 5 directors of St&h: Nigel Owen Blanks, Andrew Joseph Harwood, Michael Robert Hazell, Mark Watkins and Frances Charlotte Collins.
How long has St&h been in business?
The company was formed on 6 October 1987.
Does St&h use any other names?
It trades as Saga Holidays and Travellers World. It has previously used 32 other names, including Acromas Holidays Ltd, Saga Holidays Ltd and AA Getaways.

Sources and links

The full report on ST&H Limited

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