Ready Money Capital Limited

Reference number: 802557

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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, but in an insolvency process

This firm is under the control of insolvency practitioners and may have stopped taking on new business. If you are or were a customer, deal with the appointed office holders rather than the firm.

What the FCA says

ATTENTION - Firm in an insolvency process

This firm is in an insolvency process. It is under the control of the appointed insolvency office holder(s) and may have stopped taking on new business. It has to continue to meet our standards in line with its regulatory status, including when dealing with its customers. If you are/were a customer check how this affects you with the firm or the appointed insolvency office holder(s).

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

  • No phone number on the FCA register

  • Address

    c/o RG Insolvency (Insolvency Firm), Devonshire House, Manor Way, Borehamwood, Hertfordshire, WD8 1QQ, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode WD8 1QQ
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Other names (5)

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

  • cobrapaydayloans.co.uk Trading name
  • emu.co.uk Trading name
  • happypenguin.com Trading name
  • omacl.co.uk Former trading name
  • pogoloans.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 (1)
  • 0330 001 2488
Fake email addresses (2)
  • mathew.d.silva7075@gmail.com
  • nichola.dale1986@gmail.com
The FCA warning these came from

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

Past FCA permissions and consumer protection

  • In an insolvency process
    Money the firm held is returned through the appointed office holders, which takes time and can fall short. The FSCS covers eligible claims up to its limits, and the Ombudsman can still look at a complaint.
Show FCA detail (1 permission)
  • Credit Broking

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.

Concerns on the company record

  • Companies House records this company in liquidation, but it is still authorised on the FCA register.
  • Accounts are overdue at Companies House.
  • Confirmation statement is overdue at Companies House.
  • This company has insolvency history on record.
Company number
11158988
Company status
Liquidation
Company type
Private limited company
Incorporated
19 January 2018 (8 years old)
Registered office
Devonshire House, Manor Way, Borehamwood, Hertfordshire, WD6 1QQ
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Stuart Paul Smale Director Jan 1978 19 Jan 2018 3 other companies
Kelly Amelia Smale Secretary Not published 1 Nov 2019 –

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 companies
3
closed down
2
still active
1

In the full report: all 3 companies, 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
Instant PDF download

Filed accounts and finances

Year to 31 January 2022Full accountsNot audited

Net assets

−£16.1k

−300% from £8,022

Cash at bank

£2,109

−92% from £25.1k

Employees (average)

2

Same as 2

Owed within a year

£17.3k

+49% from £11.6k

Its next accounts are overdue at Companies House.

Net assets are negative: on its last balance sheet the company owed £16.1k more than it owned.

Assets and liabilities

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 11158988. 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

Ready Money Capital’s history from the FCA register and Companies House, newest first.

Key events (5) All events (15)

2020

6 January 2020

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2018

4 June 2018

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

FCA register

19 January 2018

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

Companies House

In the full report: all 15 events

  • All 15 events in its history (5 shown here)
  • Every director appointment and resignation: 1
Instant PDF download

Firms like Ready Money Capital

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

In Borehamwood

Crystal Life LimitedBorehamwoodAppointed representativeThe Aldenham FoundationBorehamwoodAppointed representativeThe Commercial Team LtdBorehamwoodAppointed representativeGerrard International LimitedBorehamwoodAuthorisedGreen 360 LimitedBorehamwoodAuthorisedMoneyrepublic LtdBorehamwoodAuthorised

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 Ready Money Capital

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

  • 3 other companies its directors have run, named
  • 1 background check on its contact details
  • All 15 events in its history

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Frequently asked questions about this firm

Is Ready Money Capital Limited FCA authorised?
Yes, Ready Money Capital Limited (FRN 802557) is authorised by the FCA to carry out regulated activities. It is also in an insolvency process, under the control of insolvency practitioners, so deal with the appointed office holders rather than the firm. It has held its current authorisation since June 2018 and works as a credit broker. The FCA has placed no limits on its permissions.
Is Ready Money Capital a scam or clone?
Scammers have impersonated Ready Money Capital: 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 Ready Money Capital, shown on this page.
Is my money safe with Ready Money Capital?
Ready Money Capital is under the control of insolvency practitioners, so money it held is returned through the appointed office holders rather than by the firm. That takes time and can fall short. Where money is missing, the FSCS covers eligible claims up to its limits, and the Financial Ombudsman Service can still consider a complaint.
Who owns Ready Money Capital?
Companies House lists one person with significant control of Ready Money Capital: Mr Stuart Paul Smale (75–100% of shares).
Who runs Ready Money Capital?
Companies House lists one director of Ready Money Capital: Stuart Paul Smale.
How long has Ready Money Capital been in business?
The company was formed on 19 January 2018. Companies House now lists it as liquidation.
What do Ready Money Capital’s latest accounts show?
Its latest accounts, to 31 January 2022, show net assets of −£16.1k (−300% from £8,022) and cash at bank of £2,109 (−92% from £25.1k). Its accounts are overdue at Companies House.
Does Ready Money Capital use any other names?
It trades as cobrapaydayloans.co.uk, emu.co.uk and happypenguin.com. It has previously used 2 other names: omacl.co.uk and pogoloans.co.uk.

Sources and links

The full report on Ready Money Capital Limited

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