APFIN LTD
Reference number: 673186
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Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
Identity
Check their details
Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
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Verified website
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Verified phone number
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Verified address
188 Brompton Road, London, SW3 1HQ, United Kingdom
Also trades as 7 other names
- cashasap.co.uk
- clearandfair
- clearandfair.co.uk
- Polar Credit
- polarcredit.co.uk
- Polar Credit Line
- www.cashasap.co.uk
Company details
From the company's Companies House record.
- Company number
- 07989136
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 13 March 2012 (14 years old)
- Registered office
- 3rd Floor, 12 Gough Square, London, EC4A 3DW
- Nature of business
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- Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)
Current directors and secretaries
| Name | Role | Born | Appointed |
|---|---|---|---|
| Pavel Victorovich Okhotin | Director | May 1984 | 13 Mar 2012 |
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.
Fake phone numbers (2)
- 020 7856 0515
- 07425 965670
Fake email addresses (2)
- contact@cashinhands.uk
- jamesparkerloanhelpteam@gmail.com
Fake websites (1)
- cashinhands.uk
The 2 FCA warnings these came from
- Cash in Hands / cashinhands.uk 18 September 2023
- Stream Loans 8 September 2022
Scammers change these details often. Always check the live FCA warning.
Activities and protection
What they can do, and how you are protected
- Handle payments & transfers No FSCS coverSafeguarding is optional for a payment firm of this size, so your money may not be held in a separate protected account. Ask the firm whether it safeguards customer funds before sending it money. FSCS protection does not apply either way.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Show FCA detail (6 permissions)
- 4. Executing payment transactions (credit line)
- Credit Broking
- Entering into high-cost short-term credit as lender
- Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
- Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
- Exercising or having the right to exercise the lender's rights and duties in relation to high-cost short-term credit
Limits on what they may do
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Not permitted to canvass off trade premises
The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises
Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Track record
What customers have complained about
Complaints record
In January–June 2025, the Financial Ombudsman Service received 121 new complaints about this firm, and upheld 0% of the ones it decided.
That is below the 31% median for the firms the Ombudsman reports on.
- Banking and credit 121
A bigger firm receives more complaints simply because it has more customers. FOS complaints data →
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Common questions