Chetwood Financial Limited

Reference number: 740551

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Scammers have impersonated this firm. The FCA has published 4 warnings naming the fake phone numbers, emails and websites they used. See the warnings →

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 chetwoodbank.co.uk first appeared online, and whether it can receive email
  • What kind of line 01978 803976 is
  • Who else gives the postcode LL13 7YT
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Other names (8)

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

  • Better Borrow Trading name
  • Chetwood Bank Trading name
  • CHL Mortgages Trading name
  • Live Lend Trading name
  • ModaMortgages Trading name
  • SmartSave Trading name
  • Wave Trading name
  • Live Save Former trading name

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 7193 3173
  • 020 8638 5472
Fake email addresses (4)
  • admin@infinityloans.uk
  • info@chetwodbk.com
  • loanapproved14@gmail.com
  • operations.betterborrow@proton.me
Fake websites (4)
  • betterborrow.co.uk
  • chetwodbk.com
  • infinityloans.uk
  • lendingcart.uk
The 4 FCA warnings these came from

Scammers change these details often. Always check the live FCA warning.

FCA permissions and consumer protection

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (6 permissions)
  • Accepting Deposits
  • Administering a regulated mortgage contract
  • Dealing in investments as principal
  • Entering into a regulated mortgage contract 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)

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
38
upheld, against a 31% median
19%
about banking and credit
38

A bigger firm gets more complaints simply because it has more customers. With this few, one case moves the upheld rate a lot.

Companies House record

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

Company number
09964966
Company status
Active
Company type
Private limited company
Incorporated
22 January 2016 (10 years old)
Registered office
Chetwood Financial Ltd Ellice Way, Wrexham Technology Park, Wrexham, LL13 7YT, Wales
Nature of business
  • Banks (SIC 64191)

Directors and company secretaries

Name Role Born Appointed Other companies
Duncan Henry Martin Director Jul 1968 28 Jul 2020 4 other companies
Charles Simon Lewis Allsop Director Jul 1980 23 Nov 2021 3 other companies
Ian Martin Lonergan Director Mar 1969 23 May 2023 None
Philip Anthony Jenks Director Jan 1951 22 Aug 2024 10 other companies
Paul Jonathan Noble Director Nov 1973 14 Mar 2025 1 other company
Robert William Pomphrett Director Jul 1968 2 Jun 2025 1 other company
Mark Damian Stuart Foulsham Director Sep 1965 1 Jul 2025 6 other companies
Rajan Kapoor Director Apr 1952 23 Sep 2025 14 other companies
Melanie Czarra Panek Director Nov 1958 28 Jul 2026 None

Other companies run by these 9 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
33
closed down
7
are FCA-registered
9

In the full report: all 33 companies, named

  • What each company does, and whether it is still trading
  • Which of these 9 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 9 on the FCA register
  • The 6 companies these 9 directors run together
  • All 26 people who have ever been directors, with their dates
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Key dates in its history

Chetwood Financial’s history from the FCA register and Companies House, newest first.

Key events (12) All events (77)

2020

9 October 2020

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2019

8 September 2019

  • Shropshire Holdings Limited gave up control

Companies House

2017

22 December 2017

  • Regulated by the Prudential Regulation Authority from this date

FCA register

8 September 2017

  • Andrew Ray Mielczarek stopped being a part-owner
  • Mark Richard Jenkinson stopped being a part-owner
  • Paul Elliott Singer took control (75–100% of shares)
  • Shropshire Holdings Limited took control (75–100% of shares)

Companies House

2016

11 November 2016

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

FCA register

2 November 2016

  • Andrew Ray Mielczarek became a part-owner (25–50% of shares)
  • Mark Richard Jenkinson became a part-owner (25–50% of shares)

Companies House

22 January 2016

  • Incorporated at Companies House

Companies House

In the full report: all 77 events

  • All 77 events in its history (12 shown here)
  • Every director appointment and resignation: 45
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Firms connected to Chetwood Financial

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

connected firms
6
share a director
3
share its postcode
3

In the full report: all 6 connected firms, named

  • How each is linked: shared directors (3), the same postcode (3)
  • Who links each one: the named directors, with dates
  • 6 past links through former directors
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Firms like Chetwood Financial

Other firms of the same type (bank or building society), nearest first.

In the Llandudno (LL) postcode area

Cambrian Credit Union LimitedAbergeleAuthorised

Elsewhere in the UK

Marks and Spencer Financial Services PLCChesterSee the registerSantander UK PLCLondonAuthorisedMonzo Bank LimitedLondonAuthorisedHSBC UK Bank PLCBirminghamAuthorisedNational Westminster Bank Public Limited CompanyLondonAuthorised

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 Chetwood Financial

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

  • 33 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 77 events in its history
  • 6 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Chetwood Financial Limited FCA authorised?
Yes, Chetwood Financial Limited (FRN 740551) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2016 and works as a bank or building society. The FCA has placed no limits on its permissions.
What is Chetwood Financial’s phone number and website?
The FCA register lists the phone number 01978 803976 and the website chetwoodbank.co.uk for Chetwood Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Chetwood Financial a scam or clone?
Scammers have impersonated Chetwood Financial: the FCA has published 4 warnings about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Chetwood Financial, shown on this page.
Is my money safe with Chetwood Financial?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Chetwood Financial to the Financial Ombudsman Service, free of charge.
Who owns Chetwood Financial?
Companies House lists one person with significant control of Chetwood Financial: Mr Paul Elliott Singer (75–100% of shares). Before that, it was controlled by Shropshire Holdings Limited, Mr Andrew Ray Mielczarek and Mr Mark Richard Jenkinson.
Who runs Chetwood Financial?
Companies House lists 9 directors of Chetwood Financial: Duncan Henry Martin, Charles Simon Lewis Allsop, Ian Martin Lonergan, Philip Anthony Jenks, Paul Jonathan Noble, Robert William Pomphrett and 3 more.
How long has Chetwood Financial been in business?
The company was formed on 22 January 2016, and has held its current FCA authorisation since November 2016.
How many complaints does Chetwood Financial get?
In January–June 2025, the Financial Ombudsman Service received 38 new complaints about Chetwood Financial, and upheld 19% of those it decided.
Does Chetwood Financial use any other names?
It trades as Better Borrow, Chetwood Bank, CHL Mortgages, Live Lend and ModaMortgages, and 2 more names. It has previously used the name Live Save.

Sources and links

The full report on Chetwood Financial Limited

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