Topaz Finance Limited is a Financial Conduct Authority (FCA) regulated company. Companies undertaking certain regulated financial activities` (such as mortgage administration) are required to be authorised and regulated by the FCA.
Topaz Finance is owned by Computershare, an asset management company based in Australia, that purchased some of the closed book mortgages from UKAR (UK Asset Management, previously NRAM, previously Northern Rock)
There are strict rules surrounding regulation of financial companies. Under the Financial Service Register of the FCA, Topaz Finance (https://register.fca.org.uk/s/firm?id=001b000000MfYLPAA3) lists 29 individuals “currently and previously involved in regulated activities at this firm”. Some of these names are listed as executive directors (presumably of Topaz Finance, but perhaps of other connected companies).
Let’s examine some of these names:
Martin Thomas Berry is not, and never has been a director of Topaz Finance. Let’s see who he is connected with by searching under his reference number
Clicking further on Berry’s entry, the FCA have him listed as Executive Director of Computershare Mortgage Services Limited, Homeloan Management Limited, and Topaz Finance Limited.
The problem here is that, according to Companies House records, Mr Berry is not and never has been a director of any of these companies.
Let’s have a look at Mr Jackson, as with Mr Berry, approved by the regulator
According to the FCA, Mr Jackson (known as Mathew) is connected to the same companies as Mr Berry
Further entries show him listed as Executive Director for these companies
It may be that Mr Jackson knows Mr Berry, but not as a fellow director because, again according to Companies House records, Mr Jackson is not, nor ever has been a director of these companies.
Which takes us to Mr Runcorn. Without further ado, here are his entries
I’m sure I don’t need to tell you by now, but, again according to Companies House records, Mr Runcorn is not, nor ever has been a director of any of these companies. All three of these fine gentlemen have been approved by the regulator. Unfortunately, for everyone involved
In part 2 of this gripping tale I will have a look at some the “trading names” listed under Topaz Finance.
I think it is more muddled than you have found.
Topaz Finance Limited have 6 directors according to Companies House (CH). They also have 6 directors (SMF1, SMF2 or SMF3 codes) according to their Finance Conduct Authority (FCA) listing of people involved with the activities at this firm.
These 6 do not however tally. One of the FCA listed directors actually resigned according to CH on 9 August 2019, 4 years ago. A further 3 of the FCA listed directors are not and never have been registered as directors with CH (as you say above).
Meanwhile 3 of the directors registered at CH are shown as “Approved by regulator” but not identified as directors (SMF3 code) and one director registered at CH is not named at all on the FCA list of people involved with the activities at this firm.
Interestingly they have no one listed with the FCA for a SMF16 Compliance oversight function code. Well I suppose that explains this muddle then.
I am with Helidor Mortgages and I want to bring them down it’s fraud and they have thousands of us trapped on their books.
I have also been moved over to Heliodor Mortgages and want to expose this fraud. Any suggestions as to how we can accomplish this?