Intelligent Money Ltd

Reference number: 219473

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

Authorised, but in an insolvency process

This firm is under the control of insolvency practitioners and may have stopped taking on new business. If you are or were a customer, deal with the appointed office holders rather than the firm.

What the FCA says

ATTENTION - Firm in an insolvency process

This firm is in an insolvency process. It is under the control of the appointed insolvency office holder(s) and may have stopped taking on new business. It has to continue to meet our standards in line with its regulatory status, including when dealing with its customers. If you are/were a customer check how this affects you with the firm or the appointed insolvency office holder(s).

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.

  • No website on the FCA register

  • No phone number on the FCA register

  • Verified address

    Kristina Kicks and Richard Heis, Interpath Advisory, INTERPATH LTD, 10 Fleet Place,, London, EC4M 7RB, United Kingdom

Also trades as 27 other names, search them
  • Amber Group Personal Pension
  • Amber SIPP
  • Beaufort Financial Personal Pension
  • Beaufort Financial SIPP
  • Braemar Pension & SIPP
  • Cash Retirement Account
  • Chilcomb Wealth SIPP
  • Fusion Pension
  • Fusion SIPP
  • GHC Foundation SIPP
  • Hubwise Personal Pension
  • Hubwise SIPP
  • IM Optimum SIPP
  • Intelligent Pension
  • Intelligent SIPP
  • iPension
  • iSIPP
  • Pennine Wealth Solutions Personal Pension Plus
  • Private Client Programme SIPP
  • Qualifying Workplace Pension
  • The Wise Sipp
  • True Potential Pension
  • True Potential SIPP
  • VisionWealth Retirement Account
  • VisionWealth SIPP
  • Wealth Platform SIPP
  • Wealth Solutions Service Personal Pension Plus

Company details

From the company's Companies House record.

Concerns on the company record

  • Companies House records this company in liquidation, but it is still authorised on the FCA register.
  • Accounts are overdue at Companies House.
  • Confirmation statement is overdue at Companies House.
  • This company has insolvency history on record.
Company name
INTELLIGENT MONEY LIMITED
Company number
04398291
Company status
Liquidation
Company type
Private limited company
Incorporated
19 March 2002 (24 years old)
Registered office
C/O Interpath Advisory, 10 Fleet Place, London, EC4M 7RB
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)
  • Other service activities not elsewhere classified (SIC 96090)

Current directors and secretaries

Name Role Born Appointed
Julian Jeffrey Penniston-Hill Director Jun 1970 19 Mar 2002
Jeffrey Ian Penniston Director Apr 1945 10 Nov 2008
Christopher Mark Sutton Director Dec 1962 1 Oct 2009
Roland Spencer Norman Malkin Secretary Not published 2 Dec 2003

Check on the FCA register → Report a scam →

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (1)
  • 020 8089 0280
Fake email addresses (1)
  • yan.sobitski@intelligentmoney.club
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

Activities and protection

What the record covers, and how you are protected

  • In an insolvency process
    Money the firm held is returned through the appointed office holders, which takes time and can fall short. The FSCS covers eligible claims up to its limits, and the Ombudsman can still look at a complaint.
Show FCA detail (5 permissions)
  • Arranging (bringing about) deals in investments
  • Arranging safeguarding and administration of assets
  • Dealing in investments as principal
  • Establishing/operating/winding up a personal pension scheme
  • Making arrangements with a view to transactions in investments

Limits on the record

  • Asset Restriction Requirement
    The Firm must not, without the prior written consent of the FCA, in any way dispose of, withdraw, transfer, deal with or diminish the value of any of its own assets, and any funds it holds for, or to the order of, its customers (whether in the United Kingdom or elsewhere), or take any steps which could have the same or a similar effect. The assets restriction does not apply to monetary payments or the disposal of assets made by the Firm in the ordinary course of business, amounting to no more than £20,000 whether as a single transaction or a combination of related transactions. The following payments shall not be regarded as payments in the ordinary course of business: Payments of unusual or significant amounts to the Firm’s controllers, shareholders, directors, officers, employees or any connected persons. The making of any capital distribution. The making of any gift or loan by the Firm to any party. Payments made as part of any financial restructuring or reorganisation of its business (whether share or asset based). The assets restriction does not apply to: Transactions giving effect to instructions initiated by customers. Payments of funds to the Firm’s suppliers in the ordinary course of business and in satisfaction of the Firm’s contractual and legal obligations. Usual and proper salary payments made by the Firm. For the avoidance of doubt, this requirement is an assets requirement pursuant to section 55P(4)(a) of FSMA.

Track record

FCA actions and complaints

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

The clone warnings above are scammers using this firm's name, not something the firm has done.

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.

  • Pensionwise Limited

Names it no longer trades under

This firm has retired 21 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
  • 7IM SIPP
  • Amber Group Pension
  • Amber Group SIPP
  • Amber Pension
  • Frequent Trader SIPP
  • Intelligent Group Pension
  • Intelligent Group SIPP
  • Paradigm Group Pension
  • Paradigm Group SIPP
  • Paradigm Pension
  • Paradigm SIPP
  • Parmenion Personal Pension
  • Parmenion SIPP
  • Perspective SIPP
  • Simply Pension
  • Simply SIPP
  • True Potential Group Pension
  • True Potential Group SIPP
  • Vision Retirement Account
  • Vision SIPP
  • Wealth Solution Service Personal Pension Plus

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Common questions

Frequently asked questions

Is Intelligent Money Ltd FCA authorised?
Yes, Intelligent Money Ltd (FRN 219473) is authorised by the FCA to carry out regulated activities. It is also in an insolvency process, under the control of insolvency practitioners, so deal with the appointed office holders rather than the firm.
Is my money safe with Intelligent Money?
Intelligent Money is under the control of insolvency practitioners, so money it held is returned through the appointed office holders rather than by the firm. That takes time and can fall short. Where money is missing, the FSCS covers eligible claims up to its limits, and the Financial Ombudsman Service can still consider a complaint.
Is Intelligent Money a scam or clone?
Intelligent Money 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 Intelligent Money's Firm Reference Number (FRN)?
Intelligent Money's FRN is 219473. You can verify it on the FCA register.