RFLCS Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 4 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 2019
Accounts filed up to 31 March 2025
On its latest accounts it owed £6,737 more than it owned

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.

Website

rflcs.co.uk (opens in a new tab)
Phone number

01392 427707
Address

21D Chudleigh Road, Exeter, Devon, EX2 8TS, United Kingdom

In the full report: 3 background checks

When rflcs.co.uk first appeared online, and whether it can receive email
What kind of line 01392 427707 is
Who else gives the postcode EX2 8TS

Other names (9)

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

carfinanceclaim.co.uk Trading name: A name it trades under now.
Claimsandrefunds.co.uk Trading name: A name it trades under now.
homedisrepairclaims.co.uk Trading name: A name it trades under now.
housing-team.co.uk Trading name: A name it trades under now.
Myrefundclaim.co.uk Trading name: A name it trades under now.
darwinknight.com Former trading name: A name it used to trade under.
darwinknight.co.uk Former trading name: A name it used to trade under.
easypcpcheck.com Former trading name: A name it used to trade under.
pcp-finance.claims Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Claims management No FSCS cover
Money you pay a claims company is not FSCS protected, but FCA rules cap what it may charge you for a financial services claim. Complaints about this firm go to the Financial Ombudsman Service free of charge.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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: 11854719 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 1 March 2019 (7 years old)
Registered office: Holly House 21d Chudleigh Road, Alphington, Exeter, EX2 8TS, England
Nature of business: Accounting and auditing activities (SIC 69201)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Royston Frederick Love	Director	Oct 1952	1 Mar 2019	35 other companies
David Jonathan Senior	Director	May 1981	31 Mar 2021	10 other companies

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: 38
closed down: 4
went insolvent: 2

In the full report: all 38 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
The 2 that went into liquidation or administration
The 7 companies these 2 directors run together

Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Total equity

−£6,737

Down £671 from −£6,066

Cash at bank

£37.8k

Up £37.8k from £7

Employees (average)

2

Same as 2

Owed within a year

£98.6k

+64% from £60.1k

Total equity is negative: on its last balance sheet the company owed £6,737 more than it owned.

Total equity

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.

Accounts filed at Companies House for company 11854719. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (5) All events (21)

2024

1 April 2024

David Jonathan Senior became a part-owner (25–50% of shares)

Companies House

2022

7 July 2022

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

FCA register

2019

1 March 2019

Incorporated at Companies House
Royston Frederick Love became a part-owner (25–50% of shares)

Companies House

In the full report: all 21 events

All 21 events in its history (5 shown here)
Every director appointment and resignation: 2

Firms like Rflcs

Other firms of the same type (claims management firm), nearest first.

In the Exeter (EX) postcode area

Accident Compensation Helpline LtdBarnstapleAuthorised Injuria LimitedBudeAuthorised

Elsewhere in the UK

About Claims LtdLondonAuthorised Abu ShabirBirminghamAuthorised Accident Assist Nottingham LimitedNottinghamAuthorised Accident Claims CareWokingAuthorised

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 Rflcs

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

38 other companies its directors have run, named
3 background checks on its contact details
6 years of accounts, charted
All 21 events in its history

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Frequently asked questions about this firm

Is RFLCS Ltd FCA authorised?

Yes, RFLCS Ltd (FRN 978092) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2022 and works as a claims management firm. The FCA has placed no limits on its permissions.

What is Rflcs’ phone number and website?

The FCA register lists the phone number 01392 427707 and the website rflcs.co.uk for Rflcs. If you were given different contact details, use these to check with the firm before going any further.

Is Rflcs a scam or clone?

Rflcs 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 Rflcs?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Rflcs handles your money, so check the specific product before you commit. You can also refer complaints about Rflcs to the Financial Ombudsman Service, free of charge.

Who owns Rflcs?

Companies House lists 2 people with significant control of Rflcs: Mr David Jonathan Senior (25–50% of shares) and Mr Royston Frederick Love (25–50% of shares).

Who runs Rflcs?

Companies House lists 2 directors of Rflcs: Royston Frederick Love and David Jonathan Senior.

How long has Rflcs been in business?

The company was formed on 1 March 2019, and has held its current FCA authorisation since July 2022.

What do Rflcs’ latest accounts show?

Its latest accounts, to 31 March 2025, show total equity of −£6,737 (down £671 from −£6,066) and cash at bank of £37.8k (up £37.8k from £7).

Does Rflcs use any other names?

It trades as carfinanceclaim.co.uk, Claimsandrefunds.co.uk, homedisrepairclaims.co.uk, housing-team.co.uk and Myrefundclaim.co.uk. It has previously used 4 other names, including darwinknight.com, darwinknight.co.uk and easypcpcheck.com.