Scott Consumer Finance Limited

Reference number: 842737

Instant download

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

  • When scottfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0333 014 4563 is
  • Who else gives the postcode G3 8EP
Instant PDF download

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 (2 permissions)
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
11223961
Company status
Active
Company type
Private limited company
Incorporated
26 February 2018 (8 years old)
Registered office
Pacific House Fletcher Way, Parkhouse, Carlisle, CA3 0LJ, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Morgan Dowdells Director Apr 1963 26 Feb 2018 6 other companies
Craig William Murray Director May 1958 26 Feb 2018 7 other companies
Gaynor Carruthers Bulloch Secretary Not published 26 Feb 2018 –

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
10
closed down
1
are FCA-registered
5

In the full report: all 10 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
  • The 5 on the FCA register
  • The 3 companies these 2 directors run together
Instant PDF download

Filed accounts and finances

Year to 31 October 2025Abridged accountsNot audited

Net assets

£1.36m

+43% from £954k

Cash at bank

£61.7k

−18% from £75.6k

Employees (average)

0

Same as 0

Owed within a year

£3.72m

−48% from £7.08m

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 11223961. 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

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

Key events (5) All events (8)

2020

14 February 2020

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2018

26 February 2018

  • Incorporated at Companies House
  • Craig William Murray took control (75–100% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 2
Instant PDF download

Firms connected to Scott Consumer Finance

Other FCA-listed firms that share a director, phone number or address with Scott Consumer Finance. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
5
share a director
5
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (5), the same postcode (5)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Scott Consumer Finance

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

In Glasgow

University Court of the University of GlasgowGlasgowAuthorisedAffordable Finance (South) LimitedGlasgowAuthorisedAlex Munro LimitedGlasgowAuthorisedArgyle Consulting LimitedGlasgowAuthorisedCaledonian Consumer Finance LtdGlasgowAuthorisedCarnegie Consumer Finance LimitedGlasgowAuthorised

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 Scott Consumer Finance

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

  • 10 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 8 events in its history
  • 5 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Scott Consumer Finance Limited FCA authorised?
Yes, Scott Consumer Finance Limited (FRN 842737) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2020 and works as a lender. The FCA has placed a limit on what it may do.
What is Scott Consumer Finance’s phone number and website?
The FCA register lists the phone number 0333 014 4563 and the website scottfinance.co.uk for Scott Consumer Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Scott Consumer Finance a scam or clone?
Scott Consumer Finance 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 Scott Consumer Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Scott Consumer Finance handles your money, so check the specific product before you commit. You can also refer complaints about Scott Consumer Finance to the Financial Ombudsman Service, free of charge.
Who owns Scott Consumer Finance?
Companies House lists one person with significant control of Scott Consumer Finance: Mr Craig William Murray (75–100% of shares).
Who runs Scott Consumer Finance?
Companies House lists 2 directors of Scott Consumer Finance: Stephen Morgan Dowdells and Craig William Murray.
How long has Scott Consumer Finance been in business?
The company was formed on 26 February 2018, and has held its current FCA authorisation since February 2020.
What do Scott Consumer Finance’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £1.36m (+43% from £954k) and cash at bank of £61.7k (−18% from £75.6k).

Sources and links

The full report on Scott Consumer Finance Limited

£19.99 · Instant PDF download

Loading secure checkout…