Inclusive Finance Limited

Reference number: 786052

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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

  • When creditspring.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 3870 3332 is
  • Who else gives the postcode W1B 2AG
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Other names (1)

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

  • Creditspring 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 phone numbers (4)
  • 020 3575 1313
  • 020 8133 6100
  • 020 8133 6556
  • 020 8144 6220
Fake email addresses (2)
  • creditspringuk@gmail.com
  • info@creditsprings.uk
Fake websites (1)
  • creditsprings.uk
The FCA warning these came from

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

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 (3 permissions)
  • Credit Broking
  • 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 permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
10522518
Company status
Active
Company type
Private limited company
Incorporated
13 December 2016 (9 years old)
Registered office
86-90 Paul Street, London, EC2A 4NE, 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
Neil Paul Kadagathur Director May 1980 13 Dec 2016 4 other companies
James Michael Joseph Dunn Director Nov 1972 21 Jul 2017 6 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
8
closed down
2
run together
2

In the full report: all 8 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 2 companies 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 December 2021Group accountsNot audited

Turnover

£2.31m

First group accounts: no earlier group figure to compare

Profit before tax

−£6.49m

First group accounts: no earlier group figure to compare

Net assets

−£10.3m

First group accounts: no earlier group figure to compare

Cash at bank

£2.32m

First group accounts: no earlier group figure to compare

Net assets are negative: on its last balance sheet the company owed £10.3m more than it owned.

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.

Figures from the year to 31 December 2021 are for the group: the company and the businesses it owns. Earlier years are the company’s own accounts, from before it had a group.

The figures for the year to 31 December 2021 were read from the printed accounts, because the filing does not tag them in a form that can be read automatically. They were checked against the accounts’ own totals.

Accounts filed at Companies House for company 10522518. 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

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

Key events (9) All events (16)

2022

4 July 2022

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2020

5 February 2020

  • Aravind Chandrasekaran stopped being a part-owner

Companies House

2018

30 July 2018

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2017

21 July 2017

  • James Michael Joseph Dunn became a part-owner (25–50% of shares)

Companies House

2016

13 December 2016

  • Incorporated at Companies House
  • Aravind Chandrasekaran became a part-owner (25–50% of shares)
  • Neil Paul Kadagathur gained significant control

Companies House

In the full report: all 16 events

  • All 16 events in its history (9 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Inclusive Finance

Other FCA-listed firms that share a director, phone number or address with Inclusive Finance. 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 Inclusive Finance

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

In London

Klarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale Financial Services LimitedLondonAuthorised

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 Inclusive Finance

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

  • 8 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 16 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Inclusive Finance Limited FCA authorised?
Yes, Inclusive Finance Limited (FRN 786052) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2018 and works as a lender. The FCA has placed a limit on what it may do.
What is Inclusive Finance’s phone number and website?
The FCA register lists the phone number 020 3870 3332 and the website creditspring.co.uk for Inclusive Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Inclusive Finance a scam or clone?
Scammers have impersonated Inclusive Finance: 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 Inclusive Finance, shown on this page.
Is my money safe with Inclusive Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Inclusive Finance handles your money, so check the specific product before you commit. You can also refer complaints about Inclusive Finance to the Financial Ombudsman Service, free of charge.
Who owns Inclusive Finance?
Companies House lists 2 people with significant control of Inclusive Finance: Mr James Michael Joseph Dunn (25–50% of shares) and Mr. Neil Paul Kadagathur (significant influence or control). Before that, it was controlled by Mr. Aravind Chandrasekaran.
Who runs Inclusive Finance?
Companies House lists 2 directors of Inclusive Finance: Neil Paul Kadagathur and James Michael Joseph Dunn.
How long has Inclusive Finance been in business?
The company was formed on 13 December 2016, and has held its current FCA authorisation since July 2018.
What do Inclusive Finance’s latest accounts show?
Its latest accounts, to 31 December 2021, show turnover of £2.31m (first group accounts: no earlier group figure to compare) and profit before tax of −£6.49m (first group accounts: no earlier group figure to compare).
Does Inclusive Finance use any other names?
It trades as Creditspring.

Sources and links

The full report on Inclusive Finance Limited

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