CHOICES – YOUR MORTGAGE SOLUTIONS LTD
Choices worked closely with unregulated introducers who promoted overseas property investments.
Choices did not hold any regulatory permissions to advise on final salary pension transfers. Instead, they used other IFA firms to provide advice on the transfer of final salary pensions.
Investments were made into companies such as Harlequin Property or Invest US and are now either worthless or illiquid.
Call us now for a phone or video consultation with one of our legal experts on 0800 041 8358 to find out if you are entitled to compensation, you may even be entitled to additional compensation if you have successfully claimed in the past.
Company background (public record)
The company was incorporated at Companies House on 20 November 2003 under company number 04970762. Its status at Companies House is recorded as dissolved.
Registered office: 41 Lunsford Lane, Larkfield, Aylesford, Kent, ME20 6HN.
Nature of business (SIC): 65201, 66290.
Company timeline (public record)
Key dated events for this firm, drawn from public records. Each entry shows its source.
| Date | Event | Source |
|---|---|---|
| 20 Nov 2003 | Company incorporated | Companies House |
| 20 Nov 2003 | Antony John Frost appointed director | Companies House |
| 20 Nov 2003 | Alison Michelle Frost appointed secretary | Companies House |
| 20 Nov 2003 | Dorothy May Graeme appointed nominee-secretary | Companies House |
| 20 Nov 2003 | Dorothy May Graeme resigned as nominee-secretary | Companies House |
| 20 Nov 2003 | Jane Mary Farrell appointed director | Companies House |
| 20 Nov 2003 | Lesley Joyce Graeme appointed nominee-director | Companies House |
| 20 Nov 2003 | Lesley Joyce Graeme resigned as nominee-director | Companies House |
| 02 Jan 2010 | Alison Michelle Frost resigned as secretary | Companies House |
| 03 May 2011 | Antony John Frost approved by the FCA at the firm | FCA Register |
| 03 May 2011 | Stephen John Lee approved by the FCA at the firm | FCA Register |
| 03 May 2011 | Jane Mary Farrell approved by the FCA at the firm | FCA Register |
| 27 Jun 2011 | Rachael Panteney approved by the FCA at the firm | FCA Register |
| 20 Sep 2011 | Kevin John Kempthorne approved by the FCA at the firm | FCA Register |
| 26 Sep 2011 | Colin Michael Wells approved by the FCA at the firm | FCA Register |
| 08 Mar 2013 | Emerald Finance Ltd appointed as appointed representative | FCA Register |
| 17 Apr 2013 | Matthew John Sutton approved by the FCA at the firm | FCA Register |
| 26 Jul 2013 | Jane Mary Farrell resigned as director | Companies House |
| 09 Jul 2014 | Nicola Margaret Fuller approved by the FCA at the firm | FCA Register |
| 16 Jan 2015 | FCA status recorded as: No longer authorised | FCA Register |
| 16 Jan 2015 | Emerald Finance Ltd ceased as appointed representative | FCA Register |
| 10 May 2016 | Company dissolved | Companies House |
| 23 Sep 2016 | Declared in default by the FSCS | FSCS |
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.
- Kevin John Kempthorne. Listed on the FCA Register as having held CF30 Customer (20/09/2011 to 17/09/2014) at the firm.
- Matthew John Sutton. Listed on the FCA Register as having held CF1 Director (AR) (17/04/2013 to 17/09/2014) at the firm.
- Antony John Frost. Listed on the FCA Register as having held Responsible for Insurance Mediation (03/05/2011 to 16/01/2015), CF30 Customer (03/05/2011 to 16/01/2015), CF11 Money Laundering Reporting (03/05/2011 to 16/01/2015), CF10 Compliance Oversight (03/05/2011 to 16/01/2015) at the firm.
- Rachael Panteney. Listed on the FCA Register as having held CF30 Customer (27/06/2011 to 07/12/2012) at the firm.
- Nicola Margaret Fuller. Listed on the FCA Register as having held CF30 Customer (09/07/2014 to 17/09/2014) at the firm.
- Colin Michael Wells. Listed on the FCA Register as having held CF30 Customer (26/09/2011 to 07/12/2012) at the firm.
- Stephen John Lee. Listed on the FCA Register as having held CF30 Customer (03/05/2011 to 07/12/2012) at the firm.
- Jane Mary Farrell. Listed on the FCA Register as having held CF1 Director (03/05/2011 to 04/09/2013) at the firm.
- Alison Michelle Frost. Listed at Companies House as secretary (appointed 2003-11-20, resigned 2010-01-02).
- Dorothy May Graeme. Listed at Companies House as nominee-secretary (appointed 2003-11-20, resigned 2003-11-20).
Appointed Representatives and Agents
While it was authorised, the firm acted as principal for the following appointed representatives. An appointed representative carries on regulated business under the responsibility of its principal, so their conduct can be relevant to a claim.
| Appointed representative | Reference | Effective from | Ended |
|---|---|---|---|
| Emerald Finance Ltd | FRN 433486 | 08/03/2013 | 16/01/2015 |
Review page sources: FCA Register (FRN 531805) · Companies House (04970762) · FSCS. Public records, provided for transparency.
