• Moneycheats

UPDATED! From Debt Advice to Pensions with claims management activity in between!

Updated: Mar 4, 2019

Activity at postcode M4 5DB

Carwood Associates Ltd was formed in May 2017 by Ciaran Hamilton and Peter Cookson[1]. The company traded as Reboot Debt and was an FCA authorised Appointed Representative[2] for Two Financial Services Ltd which is owned by Matthew Osborn (see earlier Moneycheats blog, ‘the location that houses a CMC..’) and aims to build and develop a nationwide Debt Advice network via Appointed Representatives.

Between July – December 2017, the registered office address for Carwood Associates was Express Networks 1 1 George Leigh Street Manchester M4 5DL.

Carwood Associates Ltd remained an Appointed Representative of Two Financial Services Ltd until February 2018.

From January 2019, the new registered office address is Express Networks 3 6 Oldham Road Manchester' M4 5DB and the company registered with the FCA as a Appointed Representative introducer for Tuto Money Ltd[3], a company who specialise in pensions, investments, insurance and provide a bureau service for Financial Advisers.

Also residing at the same address with a postcode of M4 5DB are 2 other companies which Mr Hamilton has an interest in - Hamilton Philips Ltd and Hilltop Finance Ltd.

Hamilton Philips Ltd “is a leading debt advice company who specialises in helping people who are struggling with outstanding finances”.[4] Since June 2018 they have been an appointed representative of Sterling Green Limited, a mortgage broker[5] who is authorised and regulated by the FCA.

According to Companies House, Hamilton Philips Ltd is run by Liam Hoddes but the FCA lists Ciaran Hamilton and Maria Berry as individuals with current involvement in the company.[6]

Hilltop Finance Ltd is a little more intriguing as until recently the directors were Tim Eadon, Peter and Nicholas Cookson but in December they were replaced by Joanne Hoddes and Mark Hawkins and where Ciaran Hamilton is a shareholder (along with Liam and Ryan Hoddes)[7]

According to its website, Hilltop Finance Ltd is “a regulated financial advice firm specialising in Pensions and Retirement Planning” who help customers to understand their pensions.

Hilltop Finance Ltd used to be an FCA registered Appointed Representative at 1 George Leigh Street Manchester Greater Manchester M4 5DL but was approved in February 2018 with a postcode of M4 5DB.

At first glance it seems Joanne Hoddes (Brooks) is a boutique owner[8] but she is also a former director of claims management companies, Allay Claims Ltd[9] and All About Savings Ltd[10], the latter of which was placed in voluntary liquidation in 2018. She is however the current secretary to Owl Claims Ltd along with director, Michael Rowe who is himself, also a director of the comparison website, Moneyexpert Holdings Ltd.

Activity at postcode M4 5DL

The claims management company, Legal and Financial Solutions Ltd[11] (LFS Claims) has held its registered office at Express Building George Leigh Street Manchester M4 5DL since 2015 and was run by Joanne Hoddes and Ciaran Hamilton until recently. This CMC has also been the subject of an earlier Moneycheats blog, ‘LFS Claims and its connections to dubious CMC’s’.

Also residing at M4 5DL is Alliance Executive Ltd which is run by Peter Cookson and Ciaran Hamilton. The Sic code on companies house suggests the company is a recruitment agency but the FCA register shows it used to be an Appointed Representative introducer for Tuto Money Ltd[12].

On 14th December 2018 Alliance Executive Ltd registered a new service address of First Floor Offices, Express Networks 3, 6 Oldham Road, Manchester, M4 5DE.

Activity at postcode M4 5DE

In addition to the aforementioned firm, the service address also houses the claims management company, Shepherd and West Ltd[13] whose trading names include ‘Get my Pension Back’. Ciaran Hamilton was appointed director of this CMC in November 2018.[14]


UPDATED – on 25th February Joanne Hoddes resigned as director from Hilltop Finance Ltd and was replaced by existing shareholder, Ronald Wade.[i] Wade is a former director of Meronlink Ltd and Mighty Deals Ltd where Michael Rowe was also a director.

















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