Cash £Xchange Ltd

Reference number: 680828

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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.

In the full report: 3 background checks

  • When cashexchangeltd.com first appeared online, and whether it can receive email
  • What kind of line 01255 479079 is
  • Who else gives the postcode CO15 1PQ
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Other names (1)

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

  • Cash Exchange 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)

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

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
07572624
Company status
Active
Company type
Private limited company
Incorporated
22 March 2011 (15 years old)
Registered office
2 Pallister Road, Clacton On Sea, Colchester, Essex, CO15 1PQ
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul James Ponder Director Sep 1967 22 Mar 2011 None
Sharon Ponder Secretary Not published 21 Jul 2025 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 31 May 2025Abridged accountsNot audited

Net assets

£632k

+20% from £528k

Cash at bank

£162k

−2.8% from £167k

Employees (average)

16

Same as 16

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 07572624. 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

Cash £Xchange’s history from the FCA register and Companies House, newest first.

Key events (6) All events (12)

2016

6 April 2016

  • Paul James Ponder became the majority owner (50–75% of shares)
  • Sharon Ponder became a part-owner (25–50% of shares)

Companies House

2015

30 October 2015

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2011

22 March 2011

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms like Cash £Xchange

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

In Clacton-On-Sea

Henryk Pawel CynianClacton-on-SeaAuthorisedNACO Finance LimitedClacton-on-SeaAuthorised

In the Colchester (CO) postcode area

Credit Vibe Finance LimitedColchesterAuthorisedGareth Meirion DaviesColchesterAuthorisedMallard Leasing LimitedColchesterAuthorisedPaul James WilkinsonColchesterAuthorised

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 Cash £Xchange

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Cash £Xchange Ltd FCA authorised?
Yes, Cash £Xchange Ltd (FRN 680828) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2015 and works as a lender. The FCA has placed a limit on what it may do.
What is Cash £Xchange’s phone number and website?
The FCA register lists the phone number 01255 479079 and the website cashexchangeltd.com for Cash £Xchange. If you were given different contact details, use these to check with the firm before going any further.
Is Cash £Xchange a scam or clone?
Cash £Xchange 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 Cash £Xchange?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Cash £Xchange handles your money, so check the specific product before you commit. You can also refer complaints about Cash £Xchange to the Financial Ombudsman Service, free of charge.
Who owns Cash £Xchange?
Companies House lists 2 people with significant control of Cash £Xchange: Mr Paul James Ponder (50–75% of shares) and Mrs Sharon Ponder (25–50% of shares).
Who runs Cash £Xchange?
Companies House lists one director of Cash £Xchange: Paul James Ponder.
How long has Cash £Xchange been in business?
The company was formed on 22 March 2011, and has held its current FCA authorisation since October 2015.
What do Cash £Xchange’s latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £632k (+20% from £528k) and cash at bank of £162k (−2.8% from £167k).
Does Cash £Xchange use any other names?
It trades as Cash Exchange.

Sources and links

The full report on Cash £Xchange Ltd

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