Top Rate Finance Limited

Reference number: 780909

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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.

Company details

From the company's Companies House record.

Company number
09178199
Company status
Active
Company type
Private limited company
Incorporated
15 August 2014 (11 years old)
Registered office
The Old School, School Lane, Blymhill, TF11 8LJ, United Kingdom
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Current directors and secretaries

Name Role Born Appointed
Debra Rose Director Jun 1959 15 Aug 2014
Joleon Patrick Lescott Director Aug 1982 25 Aug 2017

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 (2 permissions)
  • 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)

Limits on what they may do

  • 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

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 Top Rate Finance Limited FCA authorised?
Yes, Top Rate Finance Limited (FRN 780909) is authorised by the FCA to carry out regulated activities.
Is my money safe with Top Rate Finance?
Protection depends on which product you hold and how Top Rate Finance handles your money, so check the specific product before you commit. You can also refer complaints about Top Rate Finance to the Financial Ombudsman Service, free of charge.
Is Top Rate Finance a scam or clone?
Top Rate Finance 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 Top Rate Finance's Firm Reference Number (FRN)?
Top Rate Finance's FRN is 780909. You can verify it on the FCA register.