Cred Originations Limited

Reference number: 688840

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Authorised by the FCA

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

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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 getcred.co.uk first appeared online, and whether it can receive email
  • What kind of line 0333 003 0085 is
  • Who else gives the postcode SK10 4ZE
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Other names (19)

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

  • Cred Trading name
  • Fairer Money Trading name
  • Fair Money Trading name
  • Getcred Trading name
  • Car Loan Originations Limited Former name
  • CLO Former trading name
  • Direct Car Finance Former trading name
  • Direct Van Finance Former trading name
  • Gissacar Former trading name
  • Gissaloan Former trading name
  • Gizzacar Former trading name
  • Motoloan Former trading name
  • Motor HP Former trading name
  • Motorloans Former trading name
  • PCP Auto Finance Former trading name
  • PCP Car Finance Former trading name
  • PCP Motor Finance Former trading name
  • www.gissacar.com Former trading name
  • www.quick-cash-logbook-loans.co.uk 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 (6 permissions)
  • Credit Broking
  • Entering into a bill of sale loan agreement 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)
  • Exercising or having the right to exercise the lender's rights and duties under a bill of sale loan agreement
  • Providing Credit Information Services

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
03012315
Company status
Active
Company type
Private limited company
Incorporated
20 January 1995 (31 years old)
Registered office
Glasshouse, Alderley Park, Nether Alderley, Cheshire, SK10 4ZE, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Matthew Joseph Trueman Director Mar 1978 23 Mar 2026 2 other companies
Gregory Charles Cox Director Jan 1981 7 Sep 2026 10 other companies
Michael Christian Ransom Director Sep 1972 7 Sep 2026 18 other companies
Sheraz Afzal Director Aug 1979 7 Sep 2026 41 other companies

Other companies run by these 4 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
60
closed down
35
are FCA-registered
10

In the full report: all 60 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 10 on the FCA register, including one no longer authorised
  • The 6 companies these 4 directors run together
  • All 12 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£187k

Up £174k from £12.5k

Employees (average)

0

Same as 0

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 03012315. 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

Cred Originations’s history from the FCA register and Companies House, newest first.

Key events (7) All events (63)

2026

7 September 2026

  • Cred Technologies Limited took control (75–100% of shares)
  • Roger Joel Gewolb gave up control

Companies House

2023

11 September 2023

  • Changed its registered name from "Car Loan Originations Limited"

FCA register

2016

6 April 2016

  • Roger Joel Gewolb took control (75–100% of shares)

Companies House

1 April 2016

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

FCA register

1995

20 January 1995

  • Incorporated at Companies House

Companies House

In the full report: all 63 events

  • All 63 events in its history (7 shown here)
  • Every director appointment and resignation: 20
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Firms connected to Cred Originations

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

connected firms
7
share a director
7
share its postcode
6

In the full report: all 7 connected firms, named

  • How each is linked: shared directors (7), the same postcode (6)
  • Who links each one: the named directors, with dates
  • 3 past links through former directors
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Firms like Cred Originations

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

In Macclesfield

Finclusion LimitedMacclesfieldAuthorisedArighi Bianchi & Co.limitedMacclesfieldAuthorisedBonner C LimitedMacclesfieldAuthorised

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 Cred Originations

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

  • 60 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 63 events in its history
  • 7 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Cred Originations Limited FCA authorised?
Yes, Cred Originations Limited (FRN 688840) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Cred Originations’ phone number and website?
The FCA register lists the phone number 0333 003 0085 and the website getcred.co.uk for Cred Originations. If you were given different contact details, use these to check with the firm before going any further.
Is Cred Originations a scam or clone?
Cred Originations 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 Cred Originations?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Cred Originations handles your money, so check the specific product before you commit. You can also refer complaints about Cred Originations to the Financial Ombudsman Service, free of charge.
Who owns Cred Originations?
Cred Originations is owned by Cred Technologies Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 7 September 2026. Before that, it was controlled by Dr Roger Joel Gewolb.
Who runs Cred Originations?
Companies House lists 4 directors of Cred Originations: Matthew Joseph Trueman, Gregory Charles Cox, Michael Christian Ransom and Sheraz Afzal.
How long has Cred Originations been in business?
The company was formed on 20 January 1995, and has held its current FCA authorisation since April 2016.
What do Cred Originations’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £187k (up £174k from £12.5k).
Does Cred Originations use any other names?
It trades as Cred, Fairer Money, Fair Money and Getcred. It has previously used 15 other names, including Car Loan Originations Limited, CLO and Direct Car Finance.

Sources and links

The full report on Cred Originations Limited

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