The Claims Protection Agency Limited

Reference number: 836470

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Authorised, but subject to published FCA action

The FCA has published a formal notice about this firm. Read it in full before dealing with them.

What the FCA says

FCA investigation

The FCA has opened an enforcement investigation into this firm following concerns about its advertising and sales tactics in relation to potential motor finance claims. We are investigating what customers were told about the amount of redress they might obtain, whether they were told they could make a claim for free, and whether they were pressurised to sign up. Announcing the investigation allows the firm’s customers to consider their options. The FCA has not reached any conclusions on whether the firm breached any regulatory requirements.

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 myclaimgroup.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 756 3986 is
  • Who else gives the postcode M22 5LB
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Other names (36)

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

  • Finance Claims Specialist Trading name
  • My Claim Group Trading name
  • My PCP Claim Trading name
  • My PCP Finance Trading name
  • My Refund Trading name
  • PCP CLAIMS EXPERTS Trading name
  • Smart PCP Trading name
  • smartpcp.co.uk Trading name
  • The PCP Guy Trading name
  • thepcpguys.co.uk Trading name
  • vehicle finance refund Trading name
  • Car Finance Claim Checker Former trading name
  • Claimeo.co.uk Former trading name
  • ClaimSmart Former trading name
  • Claim with Keiran Former trading name
  • claimwithkeiran.co.uk Former trading name
  • Daniel's Tips Former trading name
  • Express PCP Former trading name
  • FCS Former trading name
  • Find Car Finance Former trading name
  • findcarfinance.online Former trading name
  • ⁠Frank Finances Former trading name
  • Karen’s Claims Former trading name
  • karensclaims.co.uk Former trading name
  • Martin’s Tips Former trading name
  • Martin Tips Former trading name
  • Marv's Tips Former trading name
  • ⁠Money Back Club Former trading name
  • mypcpfinance.co.uk Former trading name
  • pcp-claims-expert.com Former trading name
  • ⁠⁠Reid & Archer Former trading name
  • RME Former trading name
  • RMS Former trading name
  • Save with Jess Former trading name
  • ⁠The Finance Whispere Former trading name
  • Your Claim Story Former trading name

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.

Limits on what they may do

  • Restriction on new business activities
    Requirements - Cease onboarding any new customers 1. The Firm will cease onboarding any new customers with immediate effect. For the avoidance of doubt, this includes: • New customers who have had no prior contact with the Firm • Customers who have entered their details on the initial online form (either in part or full) and have then exited the online process part way. • Customers who have entered their details on the initial online form (either in part or full) but where other stages of the onboarding process remain outstanding, such as the provision of further personal details, and any other information required by the Firm to complete the onboarding process. - Cease publishing any new financial promotions 2. Within 24 hours of this application being accepted by the Authority, the Firm will instruct, in writing, all its third parties and agents to cease publishing any new financial promotions with immediate effect. 3. The Firm will use its best endeavours to ensure compliance with Requirement 2, by its third parties and agents, by proactively communicating to them reminders of the instructions as set out in Requirement 2 above and requesting from them, regular status updates on the progress of them ceasing the publication of any new financial promotions. 4. The Firm will send to the Authority copies of all communication sent to its third parties and agents as set out in Requirements 2 and 3 above on a fortnightly basis. - Withdrawal of existing financial promotions 5. Within 24 hours of this application being accepted by the Authority, the Firm will withdraw all existing financial promotions featured on its website and other mediums where it has direct control over the withdrawal of existing financial promotions. 6. For any financial promotions where the Firm does not have direct control to withdraw, the Firm will instruct, in writing and within 24 hours of this application being accepted by the Authority, all its distributors, third parties and agents, to withdraw all existing financial promotions. For the avoidance of doubt this will include the distributors responsible for distributing the Firm’s financial promotions on social media platforms, banner advertisements, internet search engines advertisements and physical media such as leaflets and posters. 7. The Firm will use its best endeavours to ensure compliance with the requirement to withdraw all financial promotions by its distributors, third parties and agents, by proactively communicating reminders of the instructions as set out in Requirement 6 above and requesting from them, regular status updates on the progress of them withdrawing the financial promotions. 8. The Firm will send to the Authority copies of all communication sent to its distributors, third parties and agents as set out in Requirements 6 and 7 above on a fortnightly basis. 9. The Firm must provide written confirmation to the Authority that it is in compliance with all the Requirements contained in this application within 48 hours of this application coming into effect. - Effective date

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
08467014
Company status
Active
Company type
Private limited company
Incorporated
28 March 2013 (13 years old)
Registered office
Unit 8a, Ashbrook Business Park, Wythenshawe, Manchester, M22 5LB, United Kingdom
Nature of business
  • Activities of call centres (SIC 82200)

Directors and company secretaries

Name Role Born Appointed Other companies
Jonathon Ernest Howarth Director Sep 1989 28 Mar 2013 5 other companies
John David Johnstone Director Nov 1990 28 Mar 2013 1 other company

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
6
closed down
3
still active
3

In the full report: all 6 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
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Filed accounts and finances

Year to 30 August 2025Small company accountsNot audited

Net assets

−£36.4m

Down £36.7m from £348k

Cash at bank

£5.55m

+135% from £2.36m

Employees (average)

39

+70% from 23

Owed within a year

£2.06m

+137% from £872k

Net assets are negative: on its last balance sheet the company owed £36.4m more than it owned.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 08467014. 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

The Claims Protection Agency’s history from the FCA register and Companies House, newest first.

Key events (8) All events (74)

2025

12 August 2025

  • FCA imposed a requirement (Restriction on new business activities)

FCA register

2020

18 February 2020

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

FCA register

2019

31 March 2019

  • No longer regulated by the Claims Management Regulator

FCA register

28 January 2019

  • Regulated by the Claims Management Regulator from this date

FCA register

2016

6 April 2016

  • John David Johnstone became a part-owner (25–50% of shares)
  • Jonathon Ernest Howarth became a part-owner (25–50% of shares)

Companies House

2013

28 March 2013

  • Incorporated at Companies House

Companies House

In the full report: all 74 events

  • All 74 events in its history (8 shown here)
  • Every director appointment and resignation: 2
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Firms connected to The Claims Protection Agency

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like The Claims Protection Agency

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

In Manchester

Apollo Claims LtdManchesterAuthorisedBelvadere LtdManchesterAuthorisedClaim Link UK LtdManchesterAuthorisedclaim3000 ltdManchesterAuthorisedClaimsline Group LtdManchesterAuthorisedConsumer Credit Justice LimitedManchesterAuthorised

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 The Claims Protection Agency

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 74 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is The Claims Protection Agency Limited FCA authorised?
Yes, The Claims Protection Agency Limited (FRN 836470) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2020 and works as a claims management firm. The FCA has placed a limit on what it may do.
What is The Claims Protection Agency’s phone number and website?
The FCA register lists the phone number 0800 756 3986 and the website myclaimgroup.co.uk for The Claims Protection Agency. If you were given different contact details, use these to check with the firm before going any further.
Is The Claims Protection Agency a scam or clone?
The Claims Protection Agency 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 The Claims Protection Agency?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how The Claims Protection Agency handles your money, so check the specific product before you commit. You can also refer complaints about The Claims Protection Agency to the Financial Ombudsman Service, free of charge.
Who owns The Claims Protection Agency?
Companies House lists 2 people with significant control of The Claims Protection Agency: Mr Jonathon Ernest Howarth (25–50% of shares) and Mr John David Johnstone (25–50% of shares).
Who runs The Claims Protection Agency?
Companies House lists 2 directors of The Claims Protection Agency: Jonathon Ernest Howarth and John David Johnstone.
How long has The Claims Protection Agency been in business?
The company was formed on 28 March 2013, and has held its current FCA authorisation since February 2020.
What do The Claims Protection Agency’s latest accounts show?
Its latest accounts, to 30 August 2025, show net assets of −£36.4m (down £36.7m from £348k) and cash at bank of £5.55m (+135% from £2.36m).
Does The Claims Protection Agency use any other names?
It trades as Finance Claims Specialist, My Claim Group, My PCP Claim, My PCP Finance and My Refund, and 6 more names. It has previously used 25 other names, including Car Finance Claim Checker, Claimeo.co.uk and ClaimSmart.

Sources and links

The full report on The Claims Protection Agency Limited

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