M. R. Consumer Services Limited

Reference number: 838452

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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 mis-soldexpert.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 567 8822 is
  • Who else gives the postcode M2 1FB
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Other names (44)

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

  • Car Claim Expert Trading name
  • carclaimexpert.com Trading name
  • Car Claim Experts Trading name
  • carclaimexperts.co.uk Trading name
  • Car Claim Solutions Trading name
  • carfinanceclaimline.co.uk Trading name
  • Car Finance Claims Advisor Trading name
  • carfinanceclaimsadvisor.co.uk Trading name
  • carfinancelawyers.co.uk Trading name
  • Checkaclaim Trading name
  • checkaclaim.net Trading name
  • Claimaroo Trading name
  • claimaroo.co.uk Trading name
  • Claim Assist Group Trading name
  • claimassistgroup.co.uk Trading name
  • claimbackexperts.co.uk Trading name
  • claimformycar.co.uk Trading name
  • Click For Claims Trading name
  • clickforclaims.co.uk Trading name
  • consumerreclaimpartners.co.uk Trading name
  • daviesclarke.co.uk Trading name
  • Financial Claims Consultants Trading name
  • Mended Trading name
  • mendedclaims.co.uk Trading name
  • Mis-sold Expert Trading name
  • mis-soldexpert.co.uk Trading name
  • pcpclaimsupport.com Trading name
  • reclaim4you.co.uk Trading name
  • reclaimadvisorygroup.co.uk Trading name
  • Redwood Claims Trading name
  • redwoodclaims.co.uk Trading name
  • Sole Trader Claims Trading name
  • soletraderclaims.com Trading name
  • tayloradvisorygroup.co.uk Trading name
  • thorntonandvale.co.uk Trading name
  • Thornton & Vale Trading name
  • carfinanceclaimsadvisor.com Former trading name
  • Money Advice Expert Former trading name
  • moneyadviceexpert.co.uk Former trading name
  • Motoring Digest Former trading name
  • Rebecca's Money Tips Former trading name
  • Rebeccas Tips Former trading name
  • rebeccastips.co.uk Former trading name
  • Trust Claims Pro 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 email addresses (2)
  • charlie.anderson@financialclaimsconsultants.info
  • hailey.brooks@financialclaimsconsultants.info
Fake websites (1)
  • financialclaimsconsultants.info
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

  • Limitation of claims management activities
    The Firm is prohibited from providing customers with any services (the Relevant Services) the provision of which amount to the carrying on of the regulated activity specified in Article 891 of the FSMA (Regulated Activities) Order 2001 (RAO), to the extent that those services relate to claims or potential claims made or to be made against: (a) Fantrac Global Limited (Fantrac); or (b) Any other entity that is, or has ever been, owned, controlled, directed or managed by a person who owns, controls, directs or manages the Firm or one of their relatives. The Firm must, within 14 business days from the Effective Date, write to all existing customers on behalf of whom it has, before the Effective Date, provided or agreed to provide Relevant Services, giving the customer the following options for progressing the claim: A copy of the proposed correspondence will be forwarded to the FCA for its approval prior to circulation to the existing clients. (a) The first option (Option 1) is that the customer may pursue the claim themselves, and the Firm's communication must explain that the customer may do so directly and free of charge. If the customer chooses Option 1, the Firm must, within 30 business days the Effective Date return to the customer all personal data relating to that customer (b) The second option (Option 2) is that the existing customer, with full knowledge of the circumstances, may continue to use MRCS to act on their behalf

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
07102609
Company status
Active
Company type
Private limited company
Incorporated
11 December 2009 (16 years old)
Registered office
6.01 6.01, 19 Spring Gardens, Manchester, M2 1FB, United Kingdom
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen John Harman Director Jun 1951 5 Jul 2019 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
closed down
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 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£9,704

+29% from £7,541

Employees (average)

0

Same as 0

Owed within a year

£4,791

−45% from £8,778

Assets and liabilities

In the full report: all 7 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 07102609. 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

M. R. Consumer Services’s history from the FCA register and Companies House, newest first.

Key events (19) All events (88)

2025

11 November 2025

  • Stephen John Harman no longer has significant control

Companies House · FCA register

10 October 2025

  • Titan Global Holdings Limited took control (75–100% of shares)

Companies House

2022

30 March 2022

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2021

30 September 2021

  • Ian Howard Davey no longer has significant control
  • Stephen John Harman gained significant control

Companies House

13 January 2021

  • FCA imposed a requirement (Limitation of claims management activities)

FCA register

2020

5 October 2020

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

FCA register

2019

9 August 2019

  • Ian Howard Davey gained significant control

Companies House

5 July 2019

  • Board replaced: its only director left and 3 new directors took over
  • Charlotte Ella Ponder no longer has significant control
  • Robert Alan Massey gave up control

Companies House

31 March 2019

  • No longer regulated by the Claims Management Regulator

FCA register

2016

6 April 2016

  • Charlotte Ella Ponder gained significant control
  • Robert Alan Massey took control (75–100% of shares)

Companies House

2015

26 June 2015

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

Companies House

2011

9 December 2011

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

Companies House

22 January 2011

  • Regulated by the Claims Management Regulator from this date

FCA register

2009

11 December 2009

  • Incorporated at Companies House

Companies House

In the full report: all 88 events

  • All 88 events in its history (19 shown here)
  • Every director appointment and resignation: 15
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Firms connected to M. R. Consumer Services

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like M. R. Consumer Services

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 M. R. Consumer Services

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
  • 7 years of accounts, charted
  • All 88 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is M. R. Consumer Services Limited FCA authorised?
Yes, M. R. Consumer Services Limited (FRN 838452) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2020 and works as a claims management firm. The FCA has placed a limit on what it may do.
What is M. R. Consumer Services’ phone number and website?
The FCA register lists the phone number 0161 567 8822 and the website mis-soldexpert.co.uk for M. R. Consumer Services. If you were given different contact details, use these to check with the firm before going any further.
Is M. R. Consumer Services a scam or clone?
Scammers have impersonated M. R. Consumer Services: 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 M. R. Consumer Services, shown on this page.
Is my money safe with M. R. Consumer Services?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how M. R. Consumer Services handles your money, so check the specific product before you commit. You can also refer complaints about M. R. Consumer Services to the Financial Ombudsman Service, free of charge.
Who owns M. R. Consumer Services?
M. R. Consumer Services is owned by Titan Global Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 10 October 2025. Before that, it was controlled by Mrs Charlotte Ella Ponder, Mr Robert Alan Massey and Mr Ian Howard Davey.
Who runs M. R. Consumer Services?
Companies House lists one director of M. R. Consumer Services: Stephen John Harman.
How long has M. R. Consumer Services been in business?
The company was formed on 11 December 2009, and has held its current FCA authorisation since October 2020.
What do M. R. Consumer Services’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £9,704 (+29% from £7,541).
Does M. R. Consumer Services use any other names?
It trades as Car Claim Expert, carclaimexpert.com, Car Claim Experts, carclaimexperts.co.uk and Car Claim Solutions, and 31 more names. It has previously used 8 other names, including carfinanceclaimsadvisor.com, Money Advice Expert and moneyadviceexpert.co.uk.

Sources and links

The full report on M. R. Consumer Services Limited

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