Independent Funding Solutions Limited

Reference number: 659813

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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 ifsfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 239 2006 is
  • Who else gives the postcode L39 3NH
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Other names (3)

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

  • IFS Trading name
  • Refinance4Less Trading name
  • UK Car Finance Trading name

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
  • Debt Adjusting
  • Debt-counselling

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
05188722
Company status
Active
Company type
Private limited company
Incorporated
23 July 2004 (22 years old)
Registered office
C/O Lonsdale & Marsh 509 - 510 Cotton Exchange, Bixteth Street, Liverpool, L3 9LQ, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Robert Andrew Clegg Director Jan 1962 23 Jul 2004 2 other companies
Catherine Ann Owens Director Jun 1985 27 May 2021 None

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
2
still active
2
are FCA-registered
2

In the full report: all 2 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 on the FCA register
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Full accountsNot audited

Net assets

£24.2k

−13% from £27.8k

Cash at bank

£28.1k

−17% from £33.8k

Owed within a year

£7,775

+5.5% from £7,367

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.

Accounts filed at Companies House for company 05188722. 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

Independent Funding Solutions’s history from the FCA register and Companies House, newest first.

Key events (6) All events (19)

2024

7 April 2024

  • Linda Tracy Clegg stopped being a part-owner

Companies House

2016

23 July 2016

  • Linda Tracy Clegg became a part-owner (25–50% of shares)
  • Robert Andrew Clegg became the majority owner (50–75% of shares)

Companies House

2015

4 June 2015

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

FCA register

2004

23 July 2004

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (6 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Independent Funding Solutions

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

past links
2

In the full report: all 0 connected firms, named

  • 2 past links through former directors
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Firms like Independent Funding Solutions

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

In Ormskirk

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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 Independent Funding Solutions

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 19 events in its history

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Frequently asked questions about this firm

Is Independent Funding Solutions Limited FCA authorised?
Yes, Independent Funding Solutions Limited (FRN 659813) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2015 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Independent Funding Solutions’ phone number and website?
The FCA register lists the phone number 0161 239 2006 and the website ifsfinance.co.uk for Independent Funding Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Independent Funding Solutions a scam or clone?
Independent Funding Solutions 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 Independent Funding Solutions?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Independent Funding Solutions handles your money, so check the specific product before you commit. You can also refer complaints about Independent Funding Solutions to the Financial Ombudsman Service, free of charge.
Who owns Independent Funding Solutions?
Companies House lists one person with significant control of Independent Funding Solutions: Mr Robert Andrew Clegg (50–75% of shares). Before that, it was controlled by Mrs Linda Tracy Clegg.
Who runs Independent Funding Solutions?
Companies House lists 2 directors of Independent Funding Solutions: Robert Andrew Clegg and Catherine Ann Owens.
How long has Independent Funding Solutions been in business?
The company was formed on 23 July 2004, and has held its current FCA authorisation since June 2015.
What do Independent Funding Solutions’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £24.2k (−13% from £27.8k) and cash at bank of £28.1k (−17% from £33.8k).
Does Independent Funding Solutions use any other names?
It trades as IFS, Refinance4Less and UK Car Finance.

Sources and links

The full report on Independent Funding Solutions Limited

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