Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
- Authorised for under a year
- Your funds are safeguarded
- No FCA actions
- Active company since 2020
- Accounts filed up to 31 December 2025
- On its latest accounts it owed £1.32m more than it owned
What the FCA says
Deferred Payment Credit (Buy Now Pay Later) - temporary permission
This firm has temporary permission to provide Deferred Payment Credit (Buy Now Pay Later) agreements. This means it’s considered authorised by the FCA, but it hasn't been assessed against the standards required for full authorisation. The firm still has to follow our rules and guidance, and if consumers have a complaint about a Buy Now Pay Later agreement, they can contact the Financial Ombudsman Service if they’re not happy with the response they get from the firm.
- This firm is operating under temporary permission while it seeks full UK authorisation. What it is permitted to do could change.
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.
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No website on the FCA register
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Phone number
-
Address
100 Cathedral Approach, Salford, Manchester, Greater Manchester, M3 7FB, United Kingdom
In the full report: 2 background checks
- What kind of line 0161 694 6245 is
- Who else gives the postcode M3 7FB
Other names (1)
If you were contacted under any of these names, it is this firm.
- PollenPay Trading name: A name it trades under now.
FCA permissions and consumer protection
- Handle payments & transfers Funds safeguardedYour 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 coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou 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 deferred payment credit agreements as lender
- Exercising, or having the right to exercise, the lender’s rights and duties under regulated deferred payment credit agreements
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
- 12731805 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 9 July 2020 (6 years old)
- Registered office
- 1 The Parklands, Radcliffe, Manchester, M26 1QB, England
- Nature of business
-
- Activities of financial services holding companies (SIC 64205)
- Financial management (SIC 70221)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Leon Wilson | Director | Feb 1984 | 9 Jul 2020 | 9 other companies |
| Tian Teck Brian Teo | Director | Aug 1991 | 1 Jul 2021 | None |
Other companies run by these 2 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
- 9
- closed down
- 8
- still active
- 1
In the full report: all 9 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£1.32m
Down £332k from −£985k
Employees (average)
3
Same as 3
Owed within a year
£324k
+99% from £162k
Net assets are negative: on its last balance sheet the company owed £1.32m more than it owned.
Assets and liabilities
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
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 12731805. 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
Pollenpay UK’s history from the FCA register and Companies House, newest first.
2026
14 July 2026
- Regulated by the FCA from this date
- Became authorised by the FCA
FCA register
16 March 2026
- Steven Mark Hilton no longer has significant control
Companies House
2020
30 July 2020
- Tian Teck Brian Teo gained 25–50% of the votes
Companies House
9 July 2020
- Incorporated at Companies House
- Leon Wilson became the majority owner (50–75% of shares)
- Steven Mark Hilton gained significant control
Companies House
In the full report: all 13 events
- All 13 events in its history (7 shown here)
- Every director appointment and resignation: 4
Firms connected to Pollenpay UK
Other FCA-listed firms that share a director, phone number or address with Pollenpay UK. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share its postcode
- 3
In the full report: all 3 connected firms, named
- How each is linked: the same postcode (3)
- Who links each one: the named directors, with dates
Firms like Pollenpay UK
Other firms of the same type (lender), nearest first.
In Manchester
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 Pollenpay UK
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 9 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 13 events in its history
- 3 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- How safeguarding works fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk