Penny Lane Credit Services Ltd

Reference number: 811407

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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 pennylanepawnbrokers.co.uk first appeared online, and whether it can receive email
  • What kind of line 01670 432431 is
  • Who else gives the postcode NE24 1BG
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Other names (3)

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

  • Penny Lane Ashington Trading name
  • Penny Lane Blyth Trading name
  • Penny Lane Pawnbrokers 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 (2 permissions)
  • 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)

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
11275264
Company status
Active
Company type
Private limited company
Incorporated
26 March 2018 (8 years old)
Registered office
Fernwood House Fernwood Road, Jesmond, Newcastle Upon Tyne, NE2 1TJ, United Kingdom
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Martin Lee Trinder Director May 1979 26 Mar 2018 27 other companies
John Herron Director Aug 1985 30 Nov 2018 2 other companies
Angela Tate Director Jul 1979 21 Nov 2019 2 other companies
John Aynsley Herron Director Oct 1961 11 Feb 2021 4 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
28
closed down
11
run together
3

In the full report: all 28 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 companies these 4 directors run together
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Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Net assets

£63.4k

+80% from £35.3k

Employees (average)

0

Same as 0

Net assets

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 11275264. 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

Penny Lane Credit Services’s history from the FCA register and Companies House, newest first.

Key events (5) All events (14)

2024

21 February 2024

  • John Aynsley Herron became a part-owner (25–50% of shares)

Companies House

2019

27 February 2019

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

FCA register

2018

26 March 2018

  • Incorporated at Companies House
  • Trinders Independent Traders Limited became a part-owner (25–50% of shares)

Companies House

In the full report: all 14 events

  • All 14 events in its history (5 shown here)
  • Every director appointment and resignation: 4
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Firms like Penny Lane Credit Services

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

In Blyth

Local Finance Services LimitedBlythAuthorisedOldgate Finance LimitedBlythAuthorisedBevington P LimitedBlythAuthorisedReadypay LimitedBlythAuthorised

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 Penny Lane Credit Services

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

  • 28 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 14 events in its history

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Frequently asked questions about this firm

Is Penny Lane Credit Services Ltd FCA authorised?
Yes, Penny Lane Credit Services Ltd (FRN 811407) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2019 and works as a lender. The FCA has placed no limits on its permissions.
What is Penny Lane Credit Services’ phone number and website?
The FCA register lists the phone number 01670 432431 and the website pennylanepawnbrokers.co.uk for Penny Lane Credit Services. If you were given different contact details, use these to check with the firm before going any further.
Is Penny Lane Credit Services a scam or clone?
Penny Lane Credit Services 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 Penny Lane Credit Services?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Penny Lane Credit Services handles your money, so check the specific product before you commit. You can also refer complaints about Penny Lane Credit Services to the Financial Ombudsman Service, free of charge.
Who owns Penny Lane Credit Services?
Companies House lists 2 people with significant control of Penny Lane Credit Services: Trinders Independent Traders Limited (25–50% of shares) and Mr John Aynsley Herron (25–50% of shares).
Who runs Penny Lane Credit Services?
Companies House lists 4 directors of Penny Lane Credit Services: Martin Lee Trinder, John Herron, Angela Tate and John Aynsley Herron.
How long has Penny Lane Credit Services been in business?
The company was formed on 26 March 2018, and has held its current FCA authorisation since February 2019.
What do Penny Lane Credit Services’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £63.4k (+80% from £35.3k).
Does Penny Lane Credit Services use any other names?
It trades as Penny Lane Ashington, Penny Lane Blyth and Penny Lane Pawnbrokers.

Sources and links

The full report on Penny Lane Credit Services Ltd

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