On the register, but not FCA authorised
This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.
What does this mean?
- Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
- What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
- It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
- So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.
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
2 Post Office Street, Altrincham, WA14 1QA, United Kingdom
In the full report: 1 background check
- Who else gives the postcode WA14 1QA
Past FCA permissions and consumer protection
- Money-laundering registration onlyThis firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
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
- 14372804 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 23 September 2022 (4 years old)
- Registered office
- 1 Market Street, Altrincham, WA14 1QE, 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 |
|---|---|---|---|---|
| Stuart Alan Fraser | Director | Sep 1978 | 23 Sep 2022 | 14 other companies |
| Daryl Michael Cheetham | Director | Jan 1984 | 21 Apr 2023 | 13 other companies |
| Peter James Beaumont | Director | Oct 1992 | 7 Nov 2025 | 9 other companies |
Other companies run by these 3 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
- 31
- closed down
- 3
- run together
- 5
In the full report: all 31 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 5 companies these 3 directors run together
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£1.60m
+91% from £841k
Cash at bank
£2.85m
Up £2.74m from £116k
Employees (average)
2
Same as 2
Owed within a year
£68.3m
+17% from £58.2m
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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 14372804. 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
Stamford Finance’s history from the FCA register and Companies House, newest first.
2025
11 April 2025
- Registered with the FCA
FCA register
2023
21 April 2023
- Cheetham Holdings Limited became a part-owner (25–50% of shares)
- Fraser Tradeco Limited became the majority owner (50–75% of shares)
- Grace Elizabeth Fraser no longer has significant control
- Stuart Alan Fraser no longer has significant control
Companies House
6 January 2023
- Daniel Holland Trustee Of Fraser 2022 Discretionary Settlement stopped being a part-owner
- Grace Elizabeth Fraser gained significant control
- Stuart Fraser Trustee Of Fraser 2022 Discretionary Settlement stopped being a part-owner
Companies House
2022
23 September 2022
- Incorporated at Companies House
- Daniel Holland Trustee Of Fraser 2022 Discretionary Settlement became a part-owner (25–50% of shares)
- Stuart Alan Fraser gained significant control
- Stuart Fraser Trustee Of Fraser 2022 Discretionary Settlement became a part-owner (25–50% of shares)
Companies House
In the full report: all 17 events
- All 17 events in its history (12 shown here)
- Every director appointment and resignation: 5
Get the full report on Stamford Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 31 other companies its directors have run, named
- 1 background check on its contact details
- All 17 events in its history
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Stamford Finance Limited FCA authorised?
Is Stamford Finance a scam or clone?
Is my money safe with Stamford Finance?
Who owns Stamford Finance?
Who runs Stamford Finance?
How long has Stamford Finance been in business?
What do Stamford Finance’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk