Credit Corp Financial Services (UK) Limited

Reference number: 787669

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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 lifestyleloans.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 088 9764 is
  • Who else gives the postcode BA11 4FN
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Other names (6)

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

  • Lifestyle Loans Trading name
  • Wallet Wizard Trading name
  • Lifestyle Loans Ltd Former name
  • Cleobury Laons Former trading name
  • Lazer Loans Former trading name
  • Shakespeare Loans 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 (3 permissions)
  • Credit Broking
  • 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
10480946
Company status
Active
Company type
Private limited company
Incorporated
16 November 2016 (9 years old)
Registered office
Unit M5 Frome Business Park, Manor Road, Frome, BA11 4FN, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Anthony Swift Director May 1960 16 Nov 2016 3 other companies
Mark Edward Ridlington Director Aug 1959 2 Jan 2018 2 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
3
closed down
2
run together
2

In the full report: all 3 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 2 companies these 2 directors run together
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Filed accounts and finances

Year to 30 September 2025Full accountsNot audited

Net assets

−£1.11m

Up £3.76m from −£4.87m

Cash at bank

£170k

+124% from £76.1k

Employees (average)

3

−57% from 7

Owed within a year

£110k

−93% from £1.62m

Net assets are negative: on its last balance sheet the company owed £1.11m more than it owned.

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.

Accounts filed at Companies House for company 10480946. 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

Credit Corp Financial Services (UK)’s history from the FCA register and Companies House, newest first.

Key events (10) All events (22)

2026

17 March 2026

  • Changed its registered name from "Lifestyle Loans Ltd"

FCA register

2025

2 October 2025

  • Credit Corp UK Debt Solutions Limited took control (75–100% of shares)
  • Lifestyle Loans Holdings Ltd gave up control

Companies House

2018

9 October 2018

  • Lifestyle Loans Holdings Ltd took control (75–100% of shares)

Companies House

6 July 2018

  • Paul Anthony Swift gave up control

Companies House

19 January 2018

  • 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

2016

16 November 2016

  • Incorporated at Companies House
  • Paul Anthony Swift took control (75–100% of shares)

Companies House

In the full report: all 22 events

  • All 22 events in its history (10 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Credit Corp Financial Services (UK)

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Credit Corp Financial Services (UK)

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

In Frome

Longbourn Finance LtdFromeAuthorised

In the Bath (BA) postcode area

Akira Financial LimitedBathAuthorisedBath Golf ClubBathAuthorisedFidelius LtdBathAuthorisedMichael BrooksStreetAuthorisedSterling Capital Asset Finance LimitedBathAuthorised

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 Credit Corp Financial Services (UK)

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 22 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Credit Corp Financial Services (UK) Limited FCA authorised?
Yes, Credit Corp Financial Services (UK) Limited (FRN 787669) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2018 and works as a lender. The FCA has placed a limit on what it may do.
What is Credit Corp Financial Services (UK)’s phone number and website?
The FCA register lists the phone number 0330 088 9764 and the website lifestyleloans.co.uk for Credit Corp Financial Services (UK). If you were given different contact details, use these to check with the firm before going any further.
Is Credit Corp Financial Services (UK) a scam or clone?
Credit Corp Financial Services (UK) 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 Credit Corp Financial Services (UK)?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Credit Corp Financial Services (UK) handles your money, so check the specific product before you commit. You can also refer complaints about Credit Corp Financial Services (UK) to the Financial Ombudsman Service, free of charge.
Who owns Credit Corp Financial Services (UK)?
Credit Corp Financial Services (UK) is owned by Credit Corp UK Debt Solutions Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 2 October 2025. Before that, it was controlled by Mr Paul Anthony Swift and Lifestyle Loans Holdings Ltd.
Who runs Credit Corp Financial Services (UK)?
Companies House lists 2 directors of Credit Corp Financial Services (UK): Paul Anthony Swift and Mark Edward Ridlington.
How long has Credit Corp Financial Services (UK) been in business?
The company was formed on 16 November 2016, and has held its current FCA authorisation since January 2018.
What do Credit Corp Financial Services (UK)’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of −£1.11m (up £3.76m from −£4.87m) and cash at bank of £170k (+124% from £76.1k).
Does Credit Corp Financial Services (UK) use any other names?
It trades as Lifestyle Loans and Wallet Wizard. It has previously used 4 other names, including Lifestyle Loans Ltd, Cleobury Laons and Lazer Loans.

Sources and links

The full report on Credit Corp Financial Services (UK) Limited

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