Choose Wisely Limited
Reference number: 730574
Instant download
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.
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Phone number
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Address
This Workspace, 18 Albert Road, Bournemouth, BH1 1BZ, United Kingdom
In the full report: 3 background checks
- When choosewisely.co.uk first appeared online, and whether it can receive email
- What kind of line 01202 638577 is
- Who else gives the postcode BH1 1BZ
Other names (9)
If you were contacted under any of these names, it is this firm.
- Choose Wisely Professional Tools Trading name: A name it trades under now.
- Choose Wisely ProTools Trading name: A name it trades under now.
- Comuno Trading name: A name it trades under now.
- badcreditsite.co.uk Former trading name: A name it used to trade under.
- Choose Payday Wisely Former trading name: A name it used to trade under.
- Credit Bay Former trading name: A name it used to trade under.
- Credit Bounce Former trading name: A name it used to trade under.
- Loanfinder Former trading name: A name it used to trade under.
- The Loan App Former trading name: A name it used to trade under.
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.
The 3 FCA warnings these came from
- Choose Wisely Loan Ltd 22 March 2021
- Bad Credit Site 20 June 2019
- Adexec Loans & Financial Solutions 20 October 2016
Scammers change these details often. Always check the live FCA warning.
FCA permissions and consumer protection
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (1 permission)
- Credit Broking
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.
The clone warnings above are scammers using this firm's name, not something the firm has done.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 07580462 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 28 March 2011 (15 years old)
- Registered office
- This Workspace, 18 Albert Road, Bournemouth, BH1 1BZ, England
- Nature of business
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- Business and domestic software development (SIC 62012)
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Marc John Biles | Director | Aug 1981 | 28 Mar 2011 | 13 other companies |
| Tara Jane Mussell | Director | Jan 1986 | 19 Jul 2013 | 5 other companies |
| Dorota Zofia Cook | Secretary | Not published | 16 Jul 2014 | – |
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
- 13
- closed down
- 5
- went insolvent
- 1
In the full report: all 13 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- The one that went into liquidation or administration
- The 2 on the FCA register
- The 5 companies these 2 directors run together
Filed accounts and finances
Net assets
£345k
+74% from £198k
Cash at bank
£212k
+269% from £57.4k
Employees (average)
2
Same as 2
Owed within a year
£440k
+63% from £270k
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 to 2025
- The chart, over every year
- Every filed figure, year by year
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 07580462. 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
Choose Wisely’s history from the FCA register and Companies House, newest first.
2024
14 January 2024
- Marc John Biles gave up control
- Ratio Ltd took control (75–100% of shares)
Companies House
2016
20 October 2016
- FCA warned the public about a scam impersonating this firm
FCA warning list
29 June 2016
- Regulated by the FCA from this date
- Became authorised by the FCA
FCA register
6 April 2016
- Marc John Biles took control (75–100% of shares)
Companies House
2011
28 March 2011
- Incorporated at Companies House
Companies House
In the full report: all 29 events
- All 29 events in its history (7 shown here)
- Every director appointment and resignation: 2
Firms connected to Choose Wisely
Other FCA-listed firms that share a director, phone number or address with Choose Wisely. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 5
- share a director
- 2
- share its postcode
- 5
In the full report: all 5 connected firms, named
- How each is linked: shared directors (2), the same postcode (5)
- Who links each one: the named directors, with dates
Firms like Choose Wisely
Other firms of the same type (credit broker), nearest first.
In Bournemouth
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 Choose Wisely
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 13 other companies its directors have run, named
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 29 events in its history
- 5 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Choose Wisely Limited FCA authorised?
What is Choose Wisely’s phone number and website?
Is Choose Wisely a scam or clone?
Is my money safe with Choose Wisely?
Who owns Choose Wisely?
Who runs Choose Wisely?
How long has Choose Wisely been in business?
What do Choose Wisely’s latest accounts show?
Does Choose Wisely use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- FCA warning: Choose Wisely Loan Ltd fca.org.uk
- FCA warning: Bad Credit Site fca.org.uk
- FCA warning: Adexec Loans & Financial Solutions fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk