Goldcrest Finance Ltd
Reference number: 484073
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On the register, but not FCA authorised
This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.
What does this mean?
- Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
- What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
- It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
- So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.
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.
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Phone number
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Address
1st Floor, 3 Hardman Street, Manchester, Lancashire, M3 3HF, United Kingdom
In the full report: 3 background checks
- When goldcrestfinance.com first appeared online, and whether it can receive email
- What kind of line 0161 833 3470 is
- Who else gives the postcode M3 3HF
Past FCA permissions and consumer protection
- Money-laundering registration onlyThis firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
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 name
- GOLDCREST FINANCE LIMITED
- Company number
- 03320726 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 19 February 1997 (29 years old)
- Registered office
- 3 Hardman Street, First Floor, Spinningfields, Manchester, M3 3HF, United Kingdom
- Nature of business
-
- Other credit granting not elsewhere classified (SIC 64929)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Darshan Lal Chawla | Director | Nov 1942 | 20 Feb 1997 | 2 other companies |
| Ranjit Kaur Chawla | Director | May 1942 | 20 Feb 1997 | 1 other company |
| Ravinder Singh Chawla | Director | Nov 1968 | 20 Feb 1997 | 11 other companies |
| John Charles Mcguire | Director | Jul 1948 | 1 Apr 2014 | 12 other companies |
| Steven Mark Gildea | Director | Jan 1979 | 1 Oct 2018 | 18 other companies |
| Ravinder Chawla | Secretary | Not published | 31 Dec 2013 | – |
Other companies run by these 5 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
- 34
- closed down
- 4
- went insolvent
- 1
In the full report: all 34 companies, named
- What each company does, and whether it is still trading
- Which of these 5 directors sit on each board, and since when
- The one that went into liquidation or administration
- The 3 on the FCA register, including one no longer authorised
- The 8 companies these 5 directors run together
- All 9 people who have ever been directors, with their dates
Key dates in its history
Goldcrest Finance’s history from the FCA register and Companies House, newest first.
2024
29 May 2024
- Darshan Lal Chawla stopped being a part-owner
- Ranjit Kaur Chawla stopped being a part-owner
Companies House
2023
31 July 2023
- Darshan Lal Chawla became a part-owner (25–50% of shares)
- Ranjit Kaur Chawla became a part-owner (25–50% of shares)
Companies House
2019
26 July 2019
- Ravinder Singh Chawla gained significant control
- Ravinder Singh Chawla no longer has significant control
- Ravinder Singh Chawla took control (75–100% of votes)
Companies House
2008
4 June 2008
- Registered with the FCA
FCA register
1997
19 February 1997
- Incorporated at Companies House
Companies House
In the full report: all 22 events
- All 22 events in its history (9 shown here)
- Every director appointment and resignation: 13
Firms connected to Goldcrest Finance
Other FCA-listed firms that share a director, phone number or address with Goldcrest Finance. A link shows who the firm is tied to, not whether either can be trusted.
- past links
- 3
In the full report: all 0 connected firms, named
- 3 past links through former directors
Get the full report on Goldcrest Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 34 other companies its directors have run, named
- 3 background checks on its contact details
- All 22 events in its history
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Frequently asked questions about this firm
Is Goldcrest Finance Ltd FCA authorised?
What is Goldcrest Finance’s phone number and website?
Is Goldcrest Finance a scam or clone?
Is my money safe with Goldcrest Finance?
Who owns Goldcrest Finance?
Who runs Goldcrest Finance?
How long has Goldcrest Finance been in business?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk