Shore Financial Services Ltd
Concerned about advice from Shore Financial Services Ltd?
People rarely question financial advice until something feels wrong, and by then it can be hard to know where to look. We have pulled together what the public record says about Shore Financial Services Ltd, including every ombudsman decision published about the firm, so the facts are in one place.
Financial Ombudsman decisions involving this firm
The Financial Ombudsman Service publishes its final decisions. Shore Financial Services Ltd appears in 1 published decision 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 |
|---|---|---|---|---|
| 22 October 2024 | DRN-5095900 | Mortgages | 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.
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 9 July 2004 under company number 05175573. Its status at Companies House is recorded as active.
Registered office: 30 Barnham Road, Barnham, Bognor Regis, West Sussex, PO22 0ES.
Nature of business (SIC): 64999.
Company timeline (public record)
Key dated events for this firm, drawn from public records. Each entry shows its source.
| Date | Event | Source |
|---|---|---|
| 09 Jul 2004 | Company incorporated | Companies House |
| 09 Jul 2004 | Anthony Ronald Packham appointed director | Companies House |
| 09 Jul 2004 | Shore Secretaries Limited appointed corporate-secretary | Companies House |
| 09 Jul 2004 | Daniel James Boyall appointed director | Companies House |
| 09 Jul 2004 | Shore Directors Limited appointed corporate-director | Companies House |
| 09 Jul 2004 | Shore Directors Limited resigned as corporate-director | Companies House |
| 22 Oct 2004 | FCA status recorded as: Authorised | FCA Register |
| 22 Oct 2004 | Anthony Ronald Packham approved by the FCA at the firm | FCA Register |
| 19 Oct 2005 | Nicholas Oliver Belton approved by the FCA at the firm | FCA Register |
| 22 Dec 2008 | Daniel James Boyall resigned as director | Companies House |
| 13 Apr 2010 | Nicholas Oliver Belton appointed director | Companies House |
| 28 Apr 2010 | Neil Fox approved by the FCA at the firm | FCA Register |
| 17 May 2010 | Trevor Ronald Jones approved by the FCA at the firm | FCA Register |
| 01 Feb 2011 | Nigel John Neville appointed director | Companies House |
| 30 Dec 2011 | Nigel John Neville appointed secretary | Companies House |
| 31 Dec 2014 | Shore Secretaries Limited resigned as corporate-secretary | Companies House |
| 09 Dec 2019 | Graham Christopher Cheesman approved by the FCA at the firm | FCA Register |
| 09 Dec 2019 | Christopher John Coxill approved by the FCA at the firm | FCA Register |
| 09 Dec 2019 | Ernesto Enrique Andrade-Paris approved by the FCA at the firm | FCA Register |
| 09 Dec 2019 | Andy John Paul Hirst approved by the FCA at the firm | FCA Register |
| 09 Dec 2019 | Toni Charles Rauch approved by the FCA at the firm | FCA Register |
| 28 Jun 2021 | Samantha Josephine Fox approved by the FCA at the firm | FCA Register |
| 20 Jan 2022 | Nigel John Neville resigned as secretary | Companies House |
| 31 Jul 2023 | Phillip Edward Skates approved by the FCA at the firm | FCA Register |
| 31 Jan 2024 | Nigel Neville appointed secretary | Companies House |
| 01 Mar 2024 | Nicholas Oliver Belton resigned as director | Companies House |
| 01 Apr 2025 | Caroline Hickman approved by the FCA at the firm | FCA Register |
| 10 Dec 2025 | Nigel Neville resigned as secretary | Companies House |
Focused on the firm’s early history and the events leading up to and following its failure. 4 routine entries from its active years are omitted.
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.
- Anthony Ronald Packham. Listed on the FCA Register as having held Responsibility for MCD Intermediation (from 21/03/2016), Responsible for Insurance Distribution (from 01/10/2018), SMF17 Money Laundering Reporting Officer (MLRO) (from 09/12/2019), SMF16 Compliance Oversight (from 09/12/2019) at the firm.
- Graham Christopher Cheesman. Listed on the FCA Register as having held CPD20 – Advising or arranging regulated mortgage contracts (from), [FCA CF] Client dealing (from 18/06/2021), [FCA CF] Functions requiring qualifications (from 18/06/2021), CPD6 – Personal recommendation on Friendly Soc tax-exempt policies(not Holloway) (from) at the firm.
- Nicholas Oliver Belton. Listed on the FCA Register as having held CPD20 – Advising or arranging regulated mortgage contracts (from), [FCA CF] Client dealing (from 09/12/2019), [FCA CF] Functions requiring qualifications (from 09/12/2019), CPD6 – Personal recommendation on Friendly Soc tax-exempt policies(not Holloway) (from) at the firm.
- Christopher John Coxill. Listed on the FCA Register as having held CPD20 – Advising or arranging regulated mortgage contracts (from), [FCA CF] Functions requiring qualifications (from 09/12/2019), The Chartered Banker Institute (CBI) (from), [FCA CF] Client dealing (09/12/2019 to 27/01/2026) at the firm.
- Ernesto Enrique Andrade-Paris. Listed on the FCA Register as having held CPD21 – Advising or arranging equity release transactions (from), CPD20 – Advising or arranging regulated mortgage contracts (from), [FCA CF] Functions requiring qualifications (from 09/12/2019), The Chartered Insurance Institute (CII) (from) at the firm.
- Andy John Paul Hirst. Listed on the FCA Register as having held CPD20 – Advising or arranging regulated mortgage contracts (from), [FCA CF] Client dealing (from 09/12/2019), [FCA CF] Functions requiring qualifications (from 09/12/2019), CPD6 – Personal recommendation on Friendly Soc tax-exempt policies(not Holloway) (from) at the firm.
- Phillip Edward Skates. Listed on the FCA Register as having held [FCA CF] Client dealing (from 31/07/2023), [FCA CF] Functions requiring qualifications (from 31/07/2023), CPD6 – Personal recommendation on Friendly Soc tax-exempt policies(not Holloway) (from), CPD4 – Personal recommendation on retail investments (not broker funds) (from) at the firm.
- Toni Charles Rauch. Listed on the FCA Register as having held [FCA CF] Client dealing (09/12/2019 to 09/04/2021) at the firm.
- Anthony Ronald Packham. Listed on the FCA Register as having held Responsibility for MCD Intermediation (from 21/03/2016), Responsible for Insurance Distribution (from 01/10/2018), SMF17 Money Laundering Reporting Officer (MLRO) (from 09/12/2019), SMF16 Compliance Oversight (from 09/12/2019) at the firm.
- Samantha Josephine Fox. Listed on the FCA Register as having held [FCA CF] Client dealing (16/08/2021 to 12/12/2022), [FCA CF] Functions requiring qualifications (28/06/2021 to 12/12/2022) at the firm.
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 403014) · Companies House (05175573). Public records, provided for transparency.
