Fountain Finances Limited

Reference number: 836354

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

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, 1 thing worth a closer look

  • When fountain-finances.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 974 3622 is
  • Who else gives the postcode M32 0FP
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Other names (34)

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

  • Car Finance Check Trading name
  • Make a PCP Claim Trading name
  • NationalPCPClaims Trading name
  • PCPPal Trading name
  • auto-refund-online.co.uk<http://auto-refund-online.co.uk> Former trading name
  • Beckys Money Tips Former trading name
  • Beckys Tips Former trading name
  • BulldogPCPClaims Former trading name
  • Car Finance Claims Former trading name
  • Check My Car Finance Former trading name
  • Claim My Disrepair Former trading name
  • claimwithkevin.co.uk Former trading name
  • Claim Your PCP Former trading name
  • diy-refund-checker.co.uk<http://diy-refund-checker.co.uk> Former trading name
  • FinanceClaimExperts.tv Former trading name
  • Finance Claims Expert Former trading name
  • Finance Refund Experts Former trading name
  • Find my DCA Claim Former trading name
  • FindMyPCP Former trading name
  • find-out-online.co.uk<http://find-out-online.co.uk> Former trading name
  • First PCP Claims Former trading name
  • free-refund-checker.co.uk<http://free-refund-checker.co.uk> Former trading name
  • HD Law PCP Former trading name
  • instant-online-refunds.co.uk<http://instant-online-refunds.co.uk> Former trading name
  • Katies Money Tips Former trading name
  • Louisa's Tips Former trading name
  • mis-sold car finance Former trading name
  • money.tips Former trading name
  • My Finance Check Former trading name
  • PCP Checker Former trading name
  • Roberts Tips Former trading name
  • Start My Claims Former trading name
  • The PCP Experts Former trading name
  • The PCP Hub Former trading name

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.

Fake websites (1)
  • claimmydisrepair.co.uk
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

FCA permissions and consumer protection

  • Claims management No FSCS cover
    Money you pay a claims company is not FSCS protected, but FCA rules cap what it may charge you for a financial services claim. Complaints about this firm go to the Financial Ombudsman Service free of charge.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Limits on what they may do

  • The Firm must stop email claims marketing - Effective 19 May 2026
    1. The Firm will cease sending any emails to seek out or identify claims or potential claims with immediate effect. 2. The Firm will withdraw and cease all social media financial promotions related to the trading names ‘Becky’s Tips, ‘Becky’s Money Tips,’ ‘Robert’s Tips’, and ‘Katie’s Money Tips’ within 24 hours of this application being accepted by the Authority. 3. The Firm must notify the Authority in writing that it is in compliance with the Requirements.

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
08069774
Company status
Active
Company type
Private limited company
Incorporated
15 May 2012 (14 years old)
Registered office
1d Maclaren House Talbot Road, Stretford, Manchester, Greater Manchester, M32 0FP, United Kingdom
Nature of business
  • Advertising agencies (SIC 73110)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Malcolm Montgomery Director Aug 1962 6 Aug 2018 1 other company

Other companies run by its director

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 company
1
still active
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

18 months to 28 February 2025Small company accountsNot audited

Net assets

£25.7k

Up £85.1k from −£59.4k

Cash at bank

£86.0k

−42% from £149k

Employees (average)

1

Same as 1

Owed within a year

£2.95m

+215% from £936k

Assets and liabilities

In the full report: all 6 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 08069774. 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

Fountain Finances’s history from the FCA register and Companies House, newest first.

Key events (15) All events (91)

2026

16 October 2026

  • FCA warned the public about a scam impersonating this firm

FCA warning list

19 May 2026

  • FCA imposed a requirement (The Firm must stop email claims marketing - Effective 19 May 2026)

FCA register

2020

27 February 2020

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

FCA register

2019

31 March 2019

  • No longer regulated by the Claims Management Regulator

FCA register

2018

6 August 2018

  • Andrew Malcolm Montgomery took control (75–100% of shares)
  • Floyd Benjamin Lay gave up control

Companies House

6 April 2018

  • Board replaced: its only director left and a new director took over
  • Floyd Benjamin Lay took control (75–100% of shares)
  • Graham Edwards gave up control

Companies House

2016

26 July 2016

  • Graham Edwards took control (75–100% of shares)

Companies House

29 January 2016

  • Board replaced: both directors left and a new director took over

Companies House

2013

18 September 2013

  • Board replaced: its only director left and 2 new directors took over

Companies House

2012

14 November 2012

  • Regulated by the Claims Management Regulator from this date

FCA register

15 May 2012

  • Incorporated at Companies House

Companies House

In the full report: all 91 events

  • All 91 events in its history (15 shown here)
  • Every director appointment and resignation: 11
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Firms connected to Fountain Finances

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Fountain Finances

Other firms of the same type (claims management firm), nearest first.

In Manchester

Apollo Claims LtdManchesterAuthorisedBelvadere LtdManchesterAuthorisedClaim Link UK LtdManchesterAuthorisedclaim3000 ltdManchesterAuthorisedClaimsline Group LtdManchesterAuthorisedConsumer Credit Justice LimitedManchesterAuthorised

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 Fountain Finances

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 91 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Fountain Finances Limited FCA authorised?
Yes, Fountain Finances Limited (FRN 836354) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2020 and works as a claims management firm. The FCA has placed a limit on what it may do.
What is Fountain Finances’ phone number and website?
The FCA register lists the phone number 0161 974 3622 and the website fountain-finances.co.uk for Fountain Finances. If you were given different contact details, use these to check with the firm before going any further.
Is Fountain Finances a scam or clone?
Scammers have impersonated Fountain Finances: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Fountain Finances, shown on this page.
Is my money safe with Fountain Finances?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Fountain Finances handles your money, so check the specific product before you commit. You can also refer complaints about Fountain Finances to the Financial Ombudsman Service, free of charge.
Who owns Fountain Finances?
Companies House lists one person with significant control of Fountain Finances: Mr Andrew Malcolm Montgomery (75–100% of shares). Before that, it was controlled by Mr Floyd Benjamin Lay and Mr Graham Edwards.
Who runs Fountain Finances?
Companies House lists one director of Fountain Finances: Andrew Malcolm Montgomery.
How long has Fountain Finances been in business?
The company was formed on 15 May 2012, and has held its current FCA authorisation since February 2020.
What do Fountain Finances’ latest accounts show?
Its latest accounts, to 28 February 2025, show net assets of £25.7k (up £85.1k from −£59.4k) and cash at bank of £86.0k (−42% from £149k).
Does Fountain Finances use any other names?
It trades as Car Finance Check, Make a PCP Claim, NationalPCPClaims and PCPPal. It has previously used 30 other names, including auto-refund-online.co.uk<http://auto-refund-online.co.uk>, Beckys Money Tips and Beckys Tips.

Sources and links

The full report on Fountain Finances Limited

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