Happy Customers Group Ltd

Reference number: 774711

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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 payasyougocarpets.com first appeared online, and whether it can receive email
  • What kind of line 0800 612 5656 is
  • Who else gives the postcode SR4 0PA
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Other names (1)

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

  • Pay As You Go Carpets Trading name

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
10623895
Company status
Active
Company type
Private limited company
Incorporated
16 February 2017 (9 years old)
Registered office
1 Railway Tce, Sunderland, SR4 0PA, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Raheel Ilyas Director Jan 1990 8 May 2017 4 other companies
Mohammed Shazad Director Jan 1977 8 May 2017 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
5
still active
5
is FCA-registered
1

In the full report: all 5 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 one on the FCA register
  • The 1 company these 2 directors run together
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 August 2025Micro-entity accountsNot audited

Net assets

£135k

+9.6% from £123k

Employees (average)

5

Same as 5

Owed within a year

£28.1k

−81% from £152k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 10623895. 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

Happy Customers Group’s history from the FCA register and Companies House, newest first.

Key events (6) All events (13)

2017

8 September 2017

  • Nosheen Ghafoor became a part-owner (25–50% of shares)

Companies House

8 May 2017

  • Raheel Ilyas became a part-owner (25–50% of shares)

Companies House

6 April 2017

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

FCA register

16 February 2017

  • Incorporated at Companies House
  • Mohammed Shazad became the majority owner (50–75% of shares)

Companies House

In the full report: all 13 events

  • All 13 events in its history (6 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Happy Customers Group

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

connected firms
2
share a director
1
share its postcode
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same postcode (1)
  • Who links each one: the named directors, with dates
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Firms like Happy Customers Group

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

In Sunderland

Automotive Finance Associates LtdSunderlandAuthorisedFairstone Financial Management LimitedSunderlandAuthorisedJames William HutchinsonSunderlandAuthorisedBef (Ne) 2 Ltd.SunderlandAuthorisedFairstone Wealth Management LimitedSunderlandAuthorised

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 Happy Customers Group

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
  • 6 years of accounts, charted
  • All 13 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Happy Customers Group Ltd FCA authorised?
Yes, Happy Customers Group Ltd (FRN 774711) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2017 and works as a lender. The FCA has placed no limits on its permissions.
What is Happy Customers Group’s phone number and website?
The FCA register lists the phone number 0800 612 5656 and the website payasyougocarpets.com for Happy Customers Group. If you were given different contact details, use these to check with the firm before going any further.
Is Happy Customers Group a scam or clone?
Happy Customers Group 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 Happy Customers Group?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Happy Customers Group handles your money, so check the specific product before you commit. You can also refer complaints about Happy Customers Group to the Financial Ombudsman Service, free of charge.
Who owns Happy Customers Group?
Companies House lists 3 people with significant control of Happy Customers Group: Mr Mohammed Shazad (50–75% of shares), Mrs Nosheen Ghafoor (25–50% of shares) and Mr Raheel Ilyas (25–50% of shares).
Who runs Happy Customers Group?
Companies House lists 2 directors of Happy Customers Group: Raheel Ilyas and Mohammed Shazad.
How long has Happy Customers Group been in business?
The company was formed on 16 February 2017, and has held its current FCA authorisation since April 2017.
What do Happy Customers Group’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £135k (+9.6% from £123k).
Does Happy Customers Group use any other names?
It trades as Pay As You Go Carpets.

Sources and links

The full report on Happy Customers Group Ltd

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