Integral Financial Advice Limited
Were you advised by Integral Financial Advice Limited?
Finding out that money you set aside for the future has not done what you were told it would is unsettling, and wanting to understand why is a reasonable place to start. This page sets out what the public record shows about Integral Financial Advice Limited, including the decisions the Financial Ombudsman has published about the firm, so you can see the position for yourself.
Financial Ombudsman decisions involving this firm
The Financial Ombudsman Service publishes its final decisions. Integral Financial Advice Limited appears in 2 published decisions on record, and the ombudsman upheld the complaint in every one.
Each decision below links to the ombudsman’s own published document. The consumer’s name is anonymised by the ombudsman, the business is not.
| Date | Reference | Type of complaint | Outcome | Decision |
|---|---|---|---|---|
| 13 January 2020 | DRN1990705 | Investment and pensions | Upheld | Read the decision |
| 7 November 2019 | DRN2989302 | Investment and pensions | Upheld | Read the decision |
Source: Financial Ombudsman Service published decisions. An upheld decision means the ombudsman agreed with the consumer in that individual case. It does not by itself mean any other complaint will succeed.
The St. James’s Place connection
Integral Financial Advice Limited is a current appointed representative of St. James’s Place (St. James’s Place Wealth Management, FCA reference 195351). An appointed representative carries on regulated business under the wing of a fully authorised firm, its principal. The principal holds the regulatory responsibility and the professional indemnity insurance for the regulated activities carried on under that appointment.
The FCA Register records the appointment as running from 5 November 2015 to present.
Why this matters: 2 of the published ombudsman decisions above fall inside that period, so the advice concerned was given while the firm was operating under the St. James’s Place licence. If your own dealings with the firm fell in that window and you believe you were given unsuitable advice, that is the context in which a complaint would be considered.
This page reports matters of public record. It makes no allegation against St. James’s Place Wealth Management, which is an authorised firm still trading, nor against any individual.
How to complain, and in what order
Where a firm is still trading and still regulated, the complaint starts with the firm itself. It is only fair that a business is given the opportunity to resolve the matter before anyone else becomes involved, and the rules are built that way. You raise the complaint directly with the firm, and it has up to eight weeks to look into it and give you its final response.
If that response does not resolve things to your satisfaction, or the eight weeks pass without one, two options are open to you.
The first is legal action through the courts. It is a genuine option, but it can be costly. A claim above £10,000 falls outside the small claims track, which means costs can follow the outcome, and you could be exposed to paying the other side’s legal costs if the case does not go your way.
The second, and for most people the more logical first step, is the Financial Ombudsman Service. It is free to consumers, it is independent of the firm, and it can direct a business to pay redress where it decides a complaint should be upheld. You normally have six months from the date of the firm’s final response to refer the matter to the ombudsman.
Wider time limits apply as well. Broadly you have six years from the event, or three years from when you reasonably ought to have known there was a problem, so it is worth getting a view sooner rather than later.
Company background (public record)
The company was incorporated at Companies House on 27 June 2007 under company number 06294980. Its status at Companies House is recorded as active.
Registered office: Brooks House, 1 Albion Place, Maidstone, Kent, ME14 5DY.
Nature of business (SIC): 66190.
Company timeline (public record)
Key dated events for this firm, drawn from public records. Each entry shows its source.
| Date | Event | Source |
|---|---|---|
| 27 Jun 2007 | Company incorporated | Companies House |
| 27 Jun 2007 | Lorna Jayne Curran appointed secretary | Companies House |
| 27 Jun 2007 | Richard Curran appointed director | Companies House |
| 10 Aug 2007 | FCA status recorded as: Appointed representative | FCA Register |
Who was involved?
The following individuals are listed on public records in connection with the firm. These are matters of public record only and their inclusion does not imply any wrongdoing by any named person.
- Lorna Jayne Curran. Listed at Companies House as secretary (appointed 2007-06-27).
How can we help?
We take the weight of the complaint off your shoulders. We start with a free, no obligation chat, give you an honest early view of whether you have a case, and if you decide to go ahead we work on a no win, no fee basis. We handle the paperwork and put your case to the ombudsman, so you can get on with your life while we work to recover what you are owed.
How does it work?
It starts with a conversation. We listen to what happened, check who was responsible at the time and look at your paperwork, then explain your options in plain English. If there are grounds, we build the case and keep you updated at every stage. If we do not think you have a claim, or it is not successful, you do not pay us a penny.
Speak to us today
Cases like these can be time sensitive, so it is worth getting an expert view early. Call 0800 041 8359 or make an enquiry and one of our team will come back to you.
NB: the information on this page is drawn from public records held by the FCA Register, Companies House and the Financial Ombudsman Service. It is provided for general information, is factual and neutral, and makes no allegation against any named individual or firm. It is not advice, and no outcome is promised.
Review page sources: FCA Register (FRN 471452) · Companies House (06294980). Public records, provided for transparency.
