RCD Finance Limited

Reference number: 680682

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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, 1 thing worth a closer look

  • When rcdfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 07831 186770 is
  • Who else gives the postcode CF5 2AP
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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 (2)
  • 029 2128 6600
  • 029 2128 6604
Fake email addresses (1)
  • enquiry@krystalescrows.com
Fake websites (1)
  • krystalescrows.com
The FCA warning these came from

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

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
  • Debt Adjusting
  • Debt-counselling

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
05381022
Company status
Active
Company type
Private limited company
Incorporated
2 March 2005 (21 years old)
Registered office
12 St. Michaels Road, Cardiff, CF5 2AP
Nature of business
  • Financial leasing (SIC 64910)

Directors and company secretaries

Name Role Born Appointed Other companies
Richard Colin Davies Director Mar 1966 2 Mar 2005 1 other company
Alison Elizabeth Hughes Secretary Not published 2 Mar 2005 –

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 March 2025Small company accountsNot audited

Net assets

£36.8k

−30% from £52.5k

Cash at bank

£37.8k

−22% from £48.3k

Employees (average)

2

Same as 2

Owed within a year

£15.9k

+2.8% from £15.5k

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
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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 05381022. 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

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

Key events (6) All events (10)

2016

6 July 2016

  • FCA warned the public about a scam impersonating this firm

FCA warning list

6 April 2016

  • Alison Elizabeth Hughes became a part-owner (25–50% of shares)
  • Richard Colin Davies became the majority owner (50–75% of shares)

Companies House

2015

10 September 2015

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

FCA register

2005

2 March 2005

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

  • All 10 events in its history (6 shown here)
  • Every director appointment and resignation: 1
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Firms like RCD Finance

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

In Cardiff

Andrew DunnCardiffAuthorisedAndrew WilliamsCardiffAuthorisedFLEETEV LimitedCardiffAuthorisedHywel Samuel & AssociatesCardiffAuthorisedMark SkinnerCardiffAuthorisedMatthew TustinCardiffAuthorised

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 RCD Finance

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, 1 flagged
  • 6 years of accounts, charted
  • All 10 events in its history

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Frequently asked questions about this firm

Is RCD Finance Limited FCA authorised?
Yes, RCD Finance Limited (FRN 680682) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2015 and works as a credit broker. The FCA has placed no limits on its permissions.
What is RCD Finance’s phone number and website?
The FCA register lists the phone number 07831 186770 and the website rcdfinance.co.uk for RCD Finance. If you were given different contact details, use these to check with the firm before going any further.
Is RCD Finance a scam or clone?
Scammers have impersonated RCD Finance: 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 RCD Finance, shown on this page.
Is my money safe with RCD Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how RCD Finance handles your money, so check the specific product before you commit. You can also refer complaints about RCD Finance to the Financial Ombudsman Service, free of charge.
Who owns RCD Finance?
Companies House lists 2 people with significant control of RCD Finance: Mr Richard Colin Davies (50–75% of shares) and Miss Alison Elizabeth Hughes (25–50% of shares).
Who runs RCD Finance?
Companies House lists one director of RCD Finance: Richard Colin Davies.
How long has RCD Finance been in business?
The company was formed on 2 March 2005, and has held its current FCA authorisation since September 2015.
What do RCD Finance’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £36.8k (−30% from £52.5k) and cash at bank of £37.8k (−22% from £48.3k).

Sources and links

The full report on RCD Finance Limited

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