PJG Financial Limited

Reference number: 919697

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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, 2 things worth a closer look

  • When pjgfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 07718 818698 is
  • Whether EH2 4AN is a shared office: 20 other firms give it
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Other names (16)

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

  • 50Life.co.uk Trading name
  • DotDotLoans.co.uk Trading name
  • HabitatLoans.co.uk Trading name
  • LifeAdviser.co.uk Trading name
  • LoansForBadCreditUK.co.uk Trading name
  • ProtectionConnect.co.uk Trading name
  • UKPayday.co.uk Trading name
  • BadCredit.co.uk Former trading name
  • Bad Credit Site Former trading name
  • BadCreditSite.co.uk Former trading name
  • MyJar.uk Former trading name
  • NowLoan.co.uk Former trading name
  • Sinch.co.uk Former trading name
  • Surely.co.uk Former trading name
  • Tibi.co.uk Former trading name
  • Upmoney.co.uk 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 phone numbers (7)
  • 020 8040 0563
  • 0333 303 4384
  • 07383 476998
  • 07429 918117
  • 07476 688759
  • 07861 659008
  • 07916 960347
Fake email addresses (3)
  • connectionscash08@gmail.com
  • grahamcooper393@gmail.com
  • nikhilsharmaxx00@gmail.com
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

FCA permissions and consumer protection

  • Investments & pensions FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • 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)
  • Credit Broking
  • Making arrangements with a view to transactions in investments

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
SC535782
Company status
Active
Company type
Private limited company
Incorporated
19 May 2016 (10 years old)
Registered office
5 South Charlotte Street, Edinburgh, EH2 4AN, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Gillooly Director Dec 1987 19 May 2016 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
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Filed accounts and finances

Year to 31 May 2026Abridged accountsNot audited

Net assets

£390k

Up £390k from £398

Cash at bank

£531k

No earlier figure to compare

Employees (average)

1

Same as 1

Owed within a year

£148k

+111% from £69.8k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 SC535782. 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

PJG Financial’s history from the FCA register and Companies House, newest first.

Key events (5) All events (35)

2025

20 January 2025

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2020

1 April 2020

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

FCA register

2016

19 May 2016

  • Incorporated at Companies House
  • Paul John Gillooly took control (75–100% of shares)

Companies House

In the full report: all 35 events

  • All 35 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms like PJG Financial

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

In Edinburgh

Ckd Galbraith LLPEdinburghAuthorisedArthur TemlettEdinburghAuthorisedFamily & Business Assurance (Services) LimitedEdinburghAuthorisedKeegan and Pennykid (Insurance Brokers)limitedEdinburghAuthorisedMichael James JefferyEdinburghAuthorisedPremier Commercial LimitedEdinburghAuthorised

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 PJG Financial

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, 2 flagged
  • 7 years of accounts, charted
  • All 35 events in its history

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Frequently asked questions about this firm

Is PJG Financial Limited FCA authorised?
Yes, PJG Financial Limited (FRN 919697) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2020 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is PJG Financial’s phone number and website?
The FCA register lists the phone number 07718 818698 and the website pjgfinancial.co.uk for PJG Financial. If you were given different contact details, use these to check with the firm before going any further.
Is PJG Financial a scam or clone?
Scammers have impersonated PJG Financial: 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 PJG Financial, shown on this page.
Is my money safe with PJG Financial?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about PJG Financial to the Financial Ombudsman Service, free of charge.
Who owns PJG Financial?
Companies House lists one person with significant control of PJG Financial: Mr Paul John Gillooly (75–100% of shares).
Who runs PJG Financial?
Companies House lists one director of PJG Financial: Paul Gillooly.
How long has PJG Financial been in business?
The company was formed on 19 May 2016, and has held its current FCA authorisation since April 2020.
What do PJG Financial’s latest accounts show?
Its latest accounts, to 31 May 2026, show net assets of £390k (up £390k from £398) and cash at bank of £531k (no earlier figure to compare).
Does PJG Financial use any other names?
It trades as 50Life.co.uk, DotDotLoans.co.uk, HabitatLoans.co.uk, LifeAdviser.co.uk and LoansForBadCreditUK.co.uk, and 2 more names. It has previously used 9 other names, including BadCredit.co.uk, Bad Credit Site and BadCreditSite.co.uk.

Sources and links

The full report on PJG Financial Limited

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