121 Finance Ltd

Reference number: 724607

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

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.

  • No website on the FCA register

  • Phone number

    01423 704904

  • Address

    1 Cardale Park, Harrogate, North Yorkshire, HG3 1RY, United Kingdom

In the full report: 2 background checks

  • What kind of line 01423 704904 is
  • Who else gives the postcode HG3 1RY
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Other names (3)

If you were contacted under any of these names, it is this firm.

  • 121 Finance Limited Former name
  • 121 Surgical Healthcare Ltd Former name
  • MYA Former trading name

FCA permissions and consumer protection

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

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
07438358
Company status
Active
Company type
Private limited company
Incorporated
12 November 2010 (15 years old)
Registered office
1 Cardale Park, Cardale Park, Harrogate, HG3 1RY, England
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
David Andrew Oxley Director Nov 1969 1 Oct 2019 8 other companies
Chloe Louise Beresford Director May 1981 1 Aug 2024 3 other companies

Other companies run by these 2 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
11
closed down
6
is FCA-registered
1

In the full report: all 11 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 November 2025Small company accountsNot audited

Total equity

−£1.44m

Up £12.8k from −£1.46m

Cash at bank

£3,373

−78% from £15.6k

Employees (average)

0

Same as 0

Owed within a year

£2.14m

−11% from £2.40m

Total equity is negative: on its last balance sheet the company owed £1.44m more than it owned.

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 07438358. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

121 Finance’s history from the FCA register and Companies House, newest first.

Key events (9) All events (23)

2024

3 December 2024

  • Changed its registered name from "121 Surgical Healthcare Ltd"

FCA register

1 August 2024

  • Chloe Louise Beresford took control (75–100% of shares)
  • Esta Rea gave up control

Companies House

16 May 2024

  • Changed its registered name from "121 Finance Limited"

FCA register

2016

19 September 2016

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

9 June 2016

  • Board replaced: its only director left and a new director took over
  • Esta Rea took control (75–100% of shares)

Companies House

2010

12 November 2010

  • Incorporated at Companies House

Companies House

In the full report: all 23 events

  • All 23 events in its history (9 shown here)
  • Every director appointment and resignation: 10
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Firms connected to 121 Finance

Other FCA-listed firms that share a director, phone number or address with 121 Finance. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
share a director
1
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (1), the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like 121 Finance

Other firms of the same type (lender), nearest first.

In Harrogate

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Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on 121 Finance

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 11 other companies its directors have run, named
  • 2 background checks on its contact details
  • 5 years of accounts, charted
  • All 23 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is 121 Finance Ltd FCA authorised?
Yes, 121 Finance Ltd (FRN 724607) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is 121 Finance’s phone number?
The FCA register lists the phone number 01423 704904 for 121 Finance. If you were given different contact details, use these to check with the firm before going any further.
Is 121 Finance a scam or clone?
121 Finance is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with 121 Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how 121 Finance handles your money, so check the specific product before you commit. You can also refer complaints about 121 Finance to the Financial Ombudsman Service, free of charge.
Who owns 121 Finance?
Companies House lists one person with significant control of 121 Finance: Ms Chloe Louise Beresford (75–100% of shares). Before that, it was controlled by Mrs Esta Rea.
Who runs 121 Finance?
Companies House lists 2 directors of 121 Finance: David Andrew Oxley and Chloe Louise Beresford.
How long has 121 Finance been in business?
The company was formed on 12 November 2010, and has held its current FCA authorisation since September 2016.
What do 121 Finance’s latest accounts show?
Its latest accounts, to 30 November 2025, show total equity of −£1.44m (up £12.8k from −£1.46m) and cash at bank of £3,373 (−78% from £15.6k).
Does 121 Finance use any other names?
It has previously used 3 other names: 121 Finance Limited, 121 Surgical Healthcare Ltd and MYA.

Sources and links

The full report on 121 Finance Ltd

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