Paying Too Much Holidays Limited

Reference number: 777660

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Eclipse Financial Management Limited Reference number: 535496 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Paying Too Much Holidays Limited (FRN 777660) introduces customers to Eclipse Financial Management Limited (FRN 535496). Any regulated advice or arranging is done by the principal, not Paying Too Much Holidays.
  • Example: if Paying Too Much Holidays refers you to a financial adviser, the advice should come from the principal firm, not from Paying Too Much Holidays itself.
  • 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.

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.

Company details

From the company's Companies House record.

Company number
10558788
Company status
Active
Company type
Private limited company
Incorporated
11 January 2017 (9 years old)
Registered office
Britannia House, 3-5 Rushmills, Northampton, NN4 7YB, England
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Current directors and secretaries

Name Role Born Appointed
Julian Kearney Director Dec 1964 19 Nov 2019
Darren Michael Saunders Director Apr 1975 3 Oct 2022
Chris David Sugden Director May 1980 3 Oct 2022

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Eclipse Financial Management 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: 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.

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Common questions

Frequently asked questions

Is Paying Too Much Holidays Limited FCA authorised?
Paying Too Much Holidays Limited (FRN 777660) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Paying Too Much Holidays?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Paying Too Much Holidays Limited (FRN 777660) introduces customers to Eclipse Financial Management Limited (FRN 535496). Any regulated advice or arranging is done by the principal, not Paying Too Much Holidays. Example: if Paying Too Much Holidays refers you to a financial adviser, the advice should come from the principal firm, not from Paying Too Much Holidays itself. 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.
Is my money safe with Paying Too Much Holidays?
Protection works through Eclipse Financial Management Limited, the principal firm responsible for Paying Too Much Holidays's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Paying Too Much Holidays a scam or clone?
Paying Too Much Holidays 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 Paying Too Much Holidays's Firm Reference Number (FRN)?
Paying Too Much Holidays's FRN is 777660. You can verify it on the FCA register.