First Senior Finance Limited

Reference number: 726510

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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 firstsenior.com first appeared online, and whether it can receive email
  • What kind of line 01582 842224 is
  • Who else gives the postcode LU1 4AJ
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FCA permissions and consumer protection

  • Lend or arrange credit · Hire out goods to consumers 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
  • Entering into Regulated Consumer Hire Agreements as owner
  • 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 owner's rights and duties under a regulated consumer hire agreement

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
03120962
Company status
Active
Company type
Private limited company
Incorporated
1 November 1995 (30 years old)
Registered office
Unit 2 Cotswold Business Park, Millfield Lane, Caddington, Bedfordshire, LU1 4AR, 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
Graham Reginald Nicholls Director Sep 1949 18 Mar 1996 5 other companies
Carla Gillian Nicholls Director Jun 1969 17 Dec 2002 1 other company
James Cosby Nicholls Director Sep 1972 17 Dec 2002 1 other company
Amy Victoria Nicholls Director Jun 2000 1 Sep 2026 1 other company
Carla Gillian Nicholls Secretary Not published 11 Jun 1996 1 other company

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
5
still active
5
are FCA-registered
2

In the full report: all 5 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 2 on the FCA register
  • The 1 company these 4 directors run together
  • All 10 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2023Full accountsNot audited

Net assets

£4.13m

+3.1% from £4.01m

Cash at bank

£922k

Up £841k from £80.9k

Employees (average)

4

−43% from 7

Owed within a year

£162k

−25% from £217k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2019 to 2023
  • 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 03120962. 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

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

Key events (5) All events (20)

2016

28 June 2016

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

FCA register

6 April 2016

  • Pensioneer Trustee Co. (Guernsey) Ltd gave up control
  • Pensioneer Trustee Co. (Guernsey) Ltd took control (75–100% of shares)

Companies House

1995

1 November 1995

  • Incorporated at Companies House

Companies House

In the full report: all 20 events

  • All 20 events in its history (5 shown here)
  • Every director appointment and resignation: 13
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Firms connected to First Senior Finance

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

connected firms
2
share a director
2

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
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Firms like First Senior Finance

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

In Luton

Associated Premium Funding LimitedLutonAuthorisedBexhill UK LimitedLutonAuthorisedCambrian Funding LimitedLutonAuthorisedOakes Finance LimitedLutonAuthorisedOrchard Bond Finance PLCLutonAuthorisedOrchard Finance LimitedLutonAuthorised

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 Senior Finance

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 20 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is First Senior Finance Limited FCA authorised?
Yes, First Senior Finance Limited (FRN 726510) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is First Senior Finance’s phone number and website?
The FCA register lists the phone number 01582 842224 and the website firstsenior.com for First Senior Finance. If you were given different contact details, use these to check with the firm before going any further.
Is First Senior Finance a scam or clone?
First Senior 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 Senior Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how First Senior Finance handles your money, so check the specific product before you commit. You can also refer complaints about First Senior Finance to the Financial Ombudsman Service, free of charge.
Who owns First Senior Finance?
Companies House lists no one with significant control of First Senior Finance now. Before that, it was controlled by Pensioneer Trustee Co. (Guernsey) Ltd.
Who runs First Senior Finance?
Companies House lists 4 directors of First Senior Finance: Graham Reginald Nicholls, Carla Gillian Nicholls, James Cosby Nicholls and Amy Victoria Nicholls.
How long has First Senior Finance been in business?
The company was formed on 1 November 1995, and has held its current FCA authorisation since June 2016.
What do First Senior Finance’s latest accounts show?
Its latest accounts, to 31 December 2023, show net assets of £4.13m (+3.1% from £4.01m) and cash at bank of £922k (up £841k from £80.9k).

Sources and links

The full report on First Senior Finance Limited

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