Pay Smart Carpets Limited

Reference number: 996290

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

SNAP FINANCE LIMITED Reference number: 741813 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • PAY SMART CARPETS LIMITED (FRN 996290) introduces customers to SNAP FINANCE LIMITED (FRN 741813). Any regulated advice or arranging is done by the principal, not PAY SMART CARPETS.
  • Example: if PAY SMART CARPETS refers you to a financial adviser, the advice should come from the principal firm, not from PAY SMART CARPETS itself.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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.

  • No website on the FCA register

  • Phone number

    07368 276312

  • Address

    Unit 3, 2 The Colony Buildings, Altrincham Road, Wilmslow, Cheshire East, SK9 4LY, United Kingdom

In the full report: 2 background checks

  • What kind of line 07368 276312 is, and the 2 other firms that give it
  • Who else gives the postcode SK9 4LY
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Other names (1)

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

  • Pay Smart Home Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Snap Finance Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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.

Key dates in its history

Pay Smart Carpets’s history from the FCA register and Companies House, newest first.

2024

4 October 2024

  • Began trading as "Pay Smart Carpets"
  • Began trading as "Pay Smart Home"

FCA register

2023

14 May 2023

  • Became an introducer appointed representative

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Pay Smart Carpets

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

connected firms
6
share its phone number
2
share its postcode
4

In the full report: all 6 connected firms, named

  • How each is linked: the same phone number (2), the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Pay Smart Carpets

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

In Wilmslow

SJM Technical Consulting LtdWilmslowAppointed representativeReza Nassab LtdWilmslowAppointed representativeSanctum Healthcare LimitedWilmslowAppointed representativeWilmslow V.e. LimitedWilmslowAppointed representativeCompulease LimitedWilmslowAuthorised

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 Pay Smart Carpets

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

  • 2 background checks on its contact details
  • All 3 events in its history
  • 6 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Pay Smart Carpets Limited FCA authorised?
Pay Smart Carpets Limited (FRN 996290) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Pay Smart Carpets?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Pay Smart Carpets Limited (FRN 996290) introduces customers to SNAP FINANCE LIMITED (FRN 741813). Any regulated advice or arranging is done by the principal, not Pay Smart Carpets. Example: if Pay Smart Carpets refers you to a financial adviser, the advice should come from the principal firm, not from Pay Smart Carpets itself. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Pay Smart Carpets’ phone number?
The FCA register lists the phone number 07368 276312 for Pay Smart Carpets. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.
Is Pay Smart Carpets a scam or clone?
Pay Smart Carpets 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 Pay Smart Carpets?
Protection works through Snap Finance Limited, the principal firm responsible for Pay Smart Carpets's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Pay Smart Carpets use any other names?
It trades as Pay Smart Home.

Sources and links

The full report on Pay Smart Carpets Limited

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