Hoyl Independent Advisers Ltd

Reference number: 433927

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Identity

Check their details

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.

Also trades as 4 other names
  • Hoyl
  • Hoyl Commercial.
  • Hoyl Insurance
  • Hoyl Mortgages

Company details

From the company's Companies House record.

Company number
05343956
Company status
Active
Company type
Private limited company
Incorporated
27 January 2005 (21 years old)
Registered office
Upton House, St Margarets Road, Cromer, NR27 9DG, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
John Michael Victor Ramage Director Sep 1961 27 Jan 2005
Paul Wreford Director Nov 1960 13 Sep 2024

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Hold or safeguard your money · Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Claims management No FSCS cover
    Money you pay a claims company is not FSCS protected, but FCA rules cap what it may charge you for a financial services claim. Complaints about this firm go to the Financial Ombudsman Service free of charge.

Check your FSCS cover →

Show FCA detail (16 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Seeking out, referrals and identification of claims or potential claims (personal injury claim; financial services or financial product claim; housing disrepair claim; claim for a specified benefit; criminal injury claim; employment related claim)

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Phoenix Independent Advisers Limited

Names it no longer trades under

This firm has retired 8 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • Hoyl Capital Wealth
  • Hoyl Insurance Brokers
  • Hoyl Underwriting Management
  • Phoenix Insurance
  • Phoenix Insurance Brokers
  • Phoenix Mortgages
  • Ram Financial Services
  • Solent Mortgage Services

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Common questions

Frequently asked questions

Is Hoyl Independent Advisers Ltd FCA authorised?
Yes, Hoyl Independent Advisers Ltd (FRN 433927) is authorised by the FCA to carry out regulated activities.
Is my money safe with Hoyl Independent Advisers?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Hoyl Independent Advisers to the Financial Ombudsman Service, free of charge.
Is Hoyl Independent Advisers a scam or clone?
Hoyl Independent Advisers is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Hoyl Independent Advisers's Firm Reference Number (FRN)?
Hoyl Independent Advisers's FRN is 433927. You can verify it on the FCA register.