Madison CF UK Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 9 years
Your funds are safeguarded
No FCA actions
Active company since 2013
551 Ombudsman complaints in January–June 2025

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.

Website

118118money.com (opens in a new tab)
Phone number

029 2278 3877
Address

Madison CF UK Ltd, 71-73 Carter Lane, London, City Of London, EC4V 5EQ, United Kingdom

In the full report: 3 background checks

When 118118money.com first appeared online, and whether it can receive email
What kind of line 029 2278 3877 is
Who else gives the postcode EC4V 5EQ

Other names (1)

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

118118 Money Trading name: A name it trades under now.

FCA permissions and consumer protection

Handle payments & transfers Funds safeguarded
Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
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 (10 permissions)

1. Services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account.
2. Services enabling cash withdrawals from a payment account as well as all the operations required for operating a payment account.
3. Executing payment transactions (no credit line)
4. Executing payment transactions (credit line)
5. Issuing and/or acquiring of payment instruments.
8. Account information services
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)
Providing Credit Information Services

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

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025: 551
upheld, against a 31% median: 22%
about banking and credit: 551

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: 08393840 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 7 February 2013 (13 years old)
Registered office: 71-73 Carter Lane, London, EC4V 5EQ, 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
Robert Pines	Director	Mar 1964	8 Apr 2014	5 other companies
Pradipkumar Raval	Director	Nov 1957	9 May 2014	1 other company
Jonathan Mark Weintraub	Director	Mar 1963	17 Nov 2021	None
Daniel Martin Malone	Director	Dec 1963	30 Oct 2024	13 other companies
Andrew Robert Punch	Director	Mar 1960	20 Dec 2024	60 other companies
Gregory Peter Baldwin	Director	Jun 1974	25 Feb 2025	None

Other companies run by these 6 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: 78
closed down: 48
went insolvent: 11

In the full report: all 78 companies, named

What each company does, and whether it is still trading
Which of these 6 directors sit on each board, and since when
The 11 that went into liquidation or administration
The 3 on the FCA register
The 1 company these 6 directors run together
All 18 people who have ever been directors, with their dates

Key dates in its history

Madison CF UK’s history from the FCA register and Companies House, newest first.

Key events (4) All events (37)

2017

22 March 2017

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

2013

7 February 2013

Incorporated at Companies House

Companies House

In the full report: all 37 events

All 37 events in its history (4 shown here)
Every director appointment and resignation: 30

Firms connected to Madison CF UK

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

connected firms: 3
share a director: 3

In the full report: all 3 connected firms, named

How each is linked: shared directors (3)
Who links each one: the named directors, with dates

Firms like Madison CF UK

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

In London

Clydesdale Financial Services LimitedLondonAuthorised Saga Services LimitedLondonAuthorised Sainsbury's Financial Services LimitedLondonAuthorised Lendable LtdLondonAuthorised Salary Finance LimitedLondonAuthorised Salary Finance Loans 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 Madison CF UK

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

78 other companies its directors have run, named
3 background checks on its contact details
All 37 events in its history
3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Madison CF UK Limited FCA authorised?

Yes, Madison CF UK Limited (FRN 741774) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2017 and works as a lender. The FCA has placed a limit on what it may do.

What is Madison CF UK’s phone number and website?

The FCA register lists the phone number 029 2278 3877 and the website 118118money.com for Madison CF UK. If you were given different contact details, use these to check with the firm before going any further.

Is Madison CF UK a scam or clone?

Madison CF UK 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 Madison CF UK?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about Madison CF UK to the Financial Ombudsman Service, free of charge.

Who runs Madison CF UK?

Companies House lists 6 directors of Madison CF UK: Robert Pines, Pradipkumar Raval, Jonathan Mark Weintraub, Daniel Martin Malone, Andrew Robert Punch and Gregory Peter Baldwin.

How long has Madison CF UK been in business?

The company was formed on 7 February 2013, and has held its current FCA authorisation since March 2017.

How many complaints does Madison CF UK get?

In January–June 2025, the Financial Ombudsman Service received 551 new complaints about Madison CF UK, and upheld 22% of those it decided.

Does Madison CF UK use any other names?

It trades as 118118 Money.