The Mortgage Exchange
Did you deal with The Mortgage Exchange?
If you took advice from The Mortgage Exchange and things did not turn out as you expected, you are entitled to know where you stand. What follows is drawn from public records: the FCA Register, Companies House, and the ombudsman’s own published decisions. No opinion, just what is on record.
Financial Ombudsman decisions involving this firm
The Financial Ombudsman Service publishes its final decisions. The Mortgage Exchange appears in 2 published decisions on record, none of which were upheld.
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 |
|---|---|---|---|---|
| 4 December 2024 | DRN-5102363 | Mortgages | Not upheld | Read the decision |
| 9 May 2025 | DRN-5520961 | Mortgages | Not 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.
Regulatory background
The FCA Register shows that The Mortgage Exchange has at some point been an appointed representative of St. James’s Place Wealth Management (FCA reference 195351). The published ombudsman decisions listed on this page fall outside that appointment, so they are not matters arising from the St. James’s Place relationship. We note the appointment here only because it forms part of the firm’s public regulatory history.
How to claim
Companies House records show that The Mortgage Exchange was dissolved on 10 April 2012, more than six years ago. A complaint can only be made to a firm that still exists, so the ombudsman route is not open, and because the company has been dissolved beyond the usual six year window for restoring it to the register, a claim against the firm’s own professional indemnity insurance is generally no longer realistic either.
That leaves the Financial Services Compensation Scheme, the FSCS, as the route worth pursuing. The FSCS has not declared this firm in default at the time of writing. A default is normally declared once the scheme receives a claim it considers eligible, so coming forward is part of what triggers it. If you have only recently become aware that something went wrong, that is not unusual and it does not automatically put you out of time.
The practical challenge with a firm that closed years ago is evidence. Records are scattered or gone, and proving what you were advised to do, and why it was unsuitable, is rarely straightforward on your own. That is exactly the sort of work we take on, so it is worth speaking to us before assuming the case cannot be made.
Company background (public record)
The company was incorporated at Companies House on 13 May 1998 under company number 03562908. Its status at Companies House is recorded as dissolved.
Registered office: Southill Cornbury Park, Charlbury, Chipping Norton, Oxfordshire, OX7 3EW.
Nature of business (SIC): 7240, 7260.
Company timeline (public record)
Key dated events for this firm, drawn from public records. Each entry shows its source.
| Date | Event | Source |
|---|---|---|
| 13 May 1998 | Company incorporated | Companies House |
| 13 May 1998 | Simon Richard Henson appointed director | Companies House |
| 13 May 1998 | Ann Lenton Chance appointed secretary | Companies House |
| 13 May 1998 | Temples (nominees) Limited appointed corporate-nominee-secretary | Companies House |
| 13 May 1998 | Temples (nominees) Limited resigned as corporate-nominee-secretary | Companies House |
| 13 May 1998 | Temples (professional Services) Limited appointed corporate-nominee-director | Companies House |
| 13 May 1998 | Temples (professional Services) Limited resigned as corporate-nominee-director | Companies House |
| 23 Sep 1998 | FCA status recorded as: No longer registered as an Appointed Representative | FCA Register |
| 24 Jan 2003 | Ann Lenton Chance resigned as secretary | Companies House |
| 24 Jan 2003 | Paul Duckworth appointed secretary | Companies House |
| 12 Nov 2005 | Susan Henson appointed secretary | Companies House |
| 21 Apr 2006 | Paul Duckworth resigned as secretary | Companies House |
| 10 Apr 2012 | Company dissolved | Companies House |
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.
- Susan Henson. Listed at Companies House as secretary (appointed 2005-11-12).
- Simon Richard Henson. Listed at Companies House as director (appointed 1998-05-13).
- Ann Lenton Chance. Listed at Companies House as secretary (appointed 1998-05-13, resigned 2003-01-24).
- Paul Duckworth. Listed at Companies House as secretary (appointed 2003-01-24, resigned 2006-04-21).
- Temples (nominees) Limited. Listed at Companies House as corporate-nominee-secretary (appointed 1998-05-13, resigned 1998-05-13).
- Temples (professional Services) Limited. Listed at Companies House as corporate-nominee-director (appointed 1998-05-13, resigned 1998-05-13).
How can we help?
We take the weight of the claim 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 deal with the paperwork and put your claim to the FSCS, 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 claim 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.
Seek claim advice today
Claims 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 201789) · Companies House (03562908). Public records, provided for transparency.
