PERSONAL MANAGEMENT SOLUTIONS LIMITED

Reference number: 847649

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

PERSONAL ASSURANCE SERVICES LIMITED Reference number: 303200 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.
  • PERSONAL MANAGEMENT SOLUTIONS LIMITED (FRN 847649) is an AR of PERSONAL ASSURANCE SERVICES LIMITED (FRN 303200). When you use PERSONAL MANAGEMENT SOLUTIONS's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from PERSONAL MANAGEMENT SOLUTIONS, 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.

Same company

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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
04232995
Company status
Active
Company type
Private limited company
Incorporated
12 June 2001 (25 years old)
Registered office
John Ormond House, 899 Silbury Boulevard, Milton Keynes, Buckinghamshire, MK9 3XL
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Current directors and secretaries

Name Role Born Appointed
Karen Thornley Director Nov 1973 8 Mar 2021
Paula Jane Brown Director May 1978 1 Aug 2023
Matthew Adam Cohen Director Apr 1990 18 Jun 2026
Joshua Roberts-Jones Secretary Not published 23 Jan 2025

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 PERSONAL ASSURANCE 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: 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 PERSONAL MANAGEMENT SOLUTIONS LIMITED FCA authorised?
PERSONAL MANAGEMENT SOLUTIONS LIMITED (FRN 847649) 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 PERSONAL MANAGEMENT SOLUTIONS?
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. PERSONAL MANAGEMENT SOLUTIONS LIMITED (FRN 847649) is an AR of PERSONAL ASSURANCE SERVICES LIMITED (FRN 303200). When you use PERSONAL MANAGEMENT SOLUTIONS's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from PERSONAL MANAGEMENT SOLUTIONS, 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.
Is my money safe with PERSONAL MANAGEMENT SOLUTIONS?
Protection works through PERSONAL ASSURANCE SERVICES LIMITED, the principal firm responsible for PERSONAL MANAGEMENT SOLUTIONS's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is PERSONAL MANAGEMENT SOLUTIONS a scam or clone?
PERSONAL MANAGEMENT SOLUTIONS 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 PERSONAL MANAGEMENT SOLUTIONS's Firm Reference Number (FRN)?
PERSONAL MANAGEMENT SOLUTIONS's FRN is 847649. You can verify it on the FCA register.