First Response Finance Limited

Reference number: 309356

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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 firstresponsefinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0115 946 6260 is
  • Who else gives the postcode NG9 6RZ
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Other names (7)

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

  • Cars by First Response Trading name
  • Cars on Credit Trading name
  • First Autos Trading name
  • Motopeople Trading name
  • New Response Trading name
  • New Response Finance Trading name
  • N P Finance 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 (5 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • 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 hold and not control client money
    The firm cannot hold or control client money.

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
224
upheld, against a 31% median
14%
about banking and credit
224

A bigger firm gets more complaints simply because it has more customers.

Companies House record

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

Company number
03560611
Company status
Active
Company type
Private limited company
Incorporated
8 May 1998 (28 years old)
Registered office
First Response Finance Ltd 5 Regan Way Chetwynd Business Park, Chilwell, Nottingham, NG9 6RZ, 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
Donald James Brough Director Nov 1962 15 Jan 2003 None
Jonathan Pollard Director Nov 1972 22 May 2007 None
Jason Kevin Britton Director Sep 1971 1 Apr 2017 5 other companies
Caerie Megan Sanders Director Aug 1979 24 May 2018 1 other company
Tsunehiko Murai Director Jan 1967 4 Apr 2025 None
Taketo Aoki Director Aug 1975 1 Apr 2026 2 other companies
Daisaku Itami Director Jun 1971 1 May 2026 5 other companies
Lisa Dudley Secretary Not published 1 Apr 2022 –

Other companies run by these 7 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
4
are FCA-registered
3

In the full report: all 13 companies, named

  • What each company does, and whether it is still trading
  • Which of these 7 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register
  • All 51 people who have ever been directors, with their dates
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Key dates in its history

First Response Finance’s history from the FCA register and Companies House, newest first.

Key events (6) All events (111)

2026

29 September 2026

  • FCA imposed a requirement (Not hold and not control client money)

FCA register

2016

6 April 2016

  • Itochu Europe PLC took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1998

8 May 1998

  • Incorporated at Companies House

Companies House

In the full report: all 111 events

  • All 111 events in its history (6 shown here)
  • Every director appointment and resignation: 95
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Firms connected to First Response Finance

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

connected firms
2
share a director
2
past link
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like First Response Finance

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

In Nottingham

Capital One (Europe) PLCNottinghamAuthorisedPropel Holdings (UK) LimitedNottinghamAuthorisedOakbrook Finance LimitedNottinghamAuthorisedAdam BroniewskiNottinghamAuthorisedCash Shop LtdNottinghamAuthorisedChatterleys Home Finance LtdNottinghamAuthorised

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 First Response Finance

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
  • All 111 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is First Response Finance Limited FCA authorised?
Yes, First Response Finance Limited (FRN 309356) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as a lender. The FCA has placed a limit on what it may do.
What is First Response Finance’s phone number and website?
The FCA register lists the phone number 0115 946 6260 and the website firstresponsefinance.co.uk for First Response Finance. If you were given different contact details, use these to check with the firm before going any further.
Is First Response Finance a scam or clone?
First Response Finance 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 First Response Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how First Response Finance handles your money, so check the specific product before you commit. You can also refer complaints about First Response Finance to the Financial Ombudsman Service, free of charge.
Who owns First Response Finance?
First Response Finance is owned by Itochu Europe PLC, which holds 75–100% of shares, 75–100% of votes, can appoint and remove the board, significant influence or control and held through a firm, since 6 April 2016.
Who runs First Response Finance?
Companies House lists 7 directors of First Response Finance: Donald James Brough, Jonathan Pollard, Jason Kevin Britton, Caerie Megan Sanders, Tsunehiko Murai, Taketo Aoki and 1 more.
How long has First Response Finance been in business?
The company was formed on 8 May 1998, and has held its current FCA authorisation since January 2005.
How many complaints does First Response Finance get?
In January–June 2025, the Financial Ombudsman Service received 224 new complaints about First Response Finance, and upheld 14% of those it decided.
Does First Response Finance use any other names?
It trades as Cars by First Response, Cars on Credit, First Autos, Motopeople and New Response, and 2 more names.

Sources and links

The full report on First Response Finance Limited

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