Estone Personal Credit Limited

Reference number: 694974

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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.

Also trades as
  • EPC
  • Homesmile

Company details

From the company's Companies House record.

Company number
03729110
Company status
Active
Company type
Private limited company
Incorporated
9 March 1999 (27 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Current directors and secretaries

Name Role Born Appointed
Paul Langley Director Feb 1960 1 Jan 2007
Jay Matthew Langley Director Jan 1989 15 Jan 2015

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Show FCA detail (5 permissions)
  • Credit Broking
  • Entering into a regulated home credit loan agreement 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 under a regulated home credit loan agreement

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is Estone Personal Credit Limited FCA authorised?
Yes, Estone Personal Credit Limited (FRN 694974) is authorised by the FCA to carry out regulated activities.
Is my money safe with Estone Personal Credit?
Protection depends on which product you hold and how Estone Personal Credit handles your money, so check the specific product before you commit. You can also refer complaints about Estone Personal Credit to the Financial Ombudsman Service, free of charge.
Is Estone Personal Credit a scam or clone?
Estone Personal Credit is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Estone Personal Credit's Firm Reference Number (FRN)?
Estone Personal Credit's FRN is 694974. You can verify it on the FCA register.