My Finance Club Limited

Reference number: 674521

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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 myfinanceclub.com first appeared online, and whether it can receive email
  • What kind of line 0808 189 8244 is
  • Who else gives the postcode S1 2BJ
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Other names (21)

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

  • Fazaty Trading name
  • Fazaty.com Trading name
  • Fazaty.co.uk Trading name
  • Fazaty Europe Trading name
  • Libity Trading name
  • Libity.com Trading name
  • Libity.co.uk Trading name
  • MFC Trading name
  • Monkeydosh Trading name
  • Monkeydosh.com Trading name
  • Monkeydosh.co.uk Trading name
  • Myfinanceclub.com Trading name
  • Myfinanceclub.co.uk Trading name
  • Ondal Trading name
  • Ondal.co.uk Trading name
  • MONKEY DOSH LTD Former name
  • Feziety Former trading name
  • Feziety.com Former trading name
  • Feziety.co.uk Former trading name
  • Personalcreditloan.com Former trading name
  • SlaterBrooks.co.uk Former 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
  • Entering into high-cost short-term credit as lender
  • Exercising or having the right to exercise the lender's rights and duties in relation to high-cost short-term credit

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
61
upheld, against a 31% median
26%
about banking and credit
61

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
07301026
Company status
Active
Company type
Private limited company
Incorporated
1 July 2010 (16 years old)
Registered office
Spaces Acero, 1 Concourse Way, Sheffield, S1 2BJ, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
James Phillip Henry Larholt Director Aug 1943 5 Apr 2017 13 other companies
Darius Sam Medora Director Aug 1976 28 Jan 2026 1 other company
Sarah Louise Day Director Jan 1972 15 Jul 2026 7 other companies
Serena Mary Joseph Director Dec 1964 16 Jul 2026 6 other companies

Other companies run by these 4 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
27
closed down
12
are FCA-registered
3

In the full report: all 27 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register, including one no longer authorised
  • All 10 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2023Full accountsNot audited

Net assets

£905k

+29% from £701k

Cash at bank

£232k

−57% from £540k

Employees (average)

27

+350% from 6

Owed within a year

£1.63m

+25% from £1.30m

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2019 to 2023
  • 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 07301026. 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

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

Key events (15) All events (59)

2017

19 June 2017

  • Geoffrey Harry Holland no longer has significant control
  • James Phillip Henry Larholt took control (75–100% of shares)
  • Joseph Thomas Beale gave up control
  • Lesley Bridget Louise Beale no longer has significant control
  • Subish Surendran Ezhava no longer has significant control

Companies House

13 April 2017

  • Changed its registered name from "MONKEY DOSH LTD"

FCA register

2016

6 April 2016

  • Geoffrey Harry Holland gained significant control
  • Joseph Thomas Beale took control (75–100% of shares)
  • Lesley Bridget Louise Beale gained significant control
  • Subish Surendran Ezhava gained significant control

Companies House

5 February 2016

  • 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

2014

19 May 2014

  • Board replaced: both directors left and a new director took over

Companies House

2010

1 July 2010

  • Incorporated at Companies House

Companies House

In the full report: all 59 events

  • All 59 events in its history (15 shown here)
  • Every director appointment and resignation: 16
Instant PDF download

Firms connected to My Finance Club

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

connected firms
5
share a director
2
share its postcode
3

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (2), the same postcode (3)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like My Finance Club

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

In Sheffield

Bumper International LimitedSheffieldAuthorised789 Investments LimitedSheffieldAuthorisedDebra Anne Lee MarshallSheffieldAuthorisedJanine SmithSheffieldAuthorisedMartyn WraggSheffieldAuthorisedSimon SeagraveSheffieldAuthorised

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 My Finance Club

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

  • 27 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 59 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is My Finance Club Limited FCA authorised?
Yes, My Finance Club Limited (FRN 674521) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2016 and works as a lender. The FCA has placed a limit on what it may do.
What is My Finance Club’s phone number and website?
The FCA register lists the phone number 0808 189 8244 and the website myfinanceclub.com for My Finance Club. If you were given different contact details, use these to check with the firm before going any further.
Is My Finance Club a scam or clone?
My Finance Club 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 My Finance Club?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how My Finance Club handles your money, so check the specific product before you commit. You can also refer complaints about My Finance Club to the Financial Ombudsman Service, free of charge.
Who owns My Finance Club?
Companies House lists one person with significant control of My Finance Club: Mr James Phillip Henry Larholt (75–100% of shares). Before that, it was controlled by Mrs Lesley Bridget Louise Beale, Mr Joseph Thomas Beale and Mr Subish Surendran Ezhava.
Who runs My Finance Club?
Companies House lists 4 directors of My Finance Club: James Phillip Henry Larholt, Darius Sam Medora, Sarah Louise Day and Serena Mary Joseph.
How long has My Finance Club been in business?
The company was formed on 1 July 2010, and has held its current FCA authorisation since February 2016.
What do My Finance Club’s latest accounts show?
Its latest accounts, to 31 December 2023, show net assets of £905k (+29% from £701k) and cash at bank of £232k (−57% from £540k).
How many complaints does My Finance Club get?
In January–June 2025, the Financial Ombudsman Service received 61 new complaints about My Finance Club, and upheld 26% of those it decided.
Does My Finance Club use any other names?
It trades as Fazaty, Fazaty.com, Fazaty.co.uk, Fazaty Europe and Libity, and 10 more names. It has previously used 6 other names, including MONKEY DOSH LTD, Feziety and Feziety.com.

Sources and links

The full report on My Finance Club Limited

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