Vacation Finance Limited

Reference number: 721584

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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

  • Phone number

    07599 225922

  • Address

    Dina Devalia and Francis Florian Amadeus (Frank) Wessely, 15 Forlease Road, Maidenhead, SL6 1RX, United Kingdom

In the full report: 2 background checks

  • What kind of line 07599 225922 is
  • Who else gives the postcode SL6 1RX
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Other names (1)

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

  • VFL Finance Solutions Former trading name

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)
  • 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 the record

  • 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.

Concerns on the company record

  • Companies House records this company in administration, 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
09726642
Company status
Administration
Company type
Private limited company
Incorporated
11 August 2015 (11 years old)
Registered office
2nd Floor Arcadia House 15 Forlease Road, Maidenhead, SL6 1RX
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Mark Anthony Galea Director Aug 1968 25 Sep 2015 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 8 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 December 2023Small company accountsNot audited

Net assets

£21.8k

+33% from £16.3k

Cash at bank

£565k

−16% from £672k

Employees (average)

2

−33% from 3

Its next accounts are overdue at Companies House.

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2019 to 2023
  • 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 09726642. 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

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

Key events (7) All events (26)

2018

9 August 2018

  • Signallia Group Dmcc took control (75–100% of shares)

Companies House

2017

13 December 2017

  • Robert Thomas Trotta gave up control

Companies House

2016

6 April 2016

  • Robert Thomas Trotta took control (75–100% of shares)

Companies House

31 March 2016

  • 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

2015

11 August 2015

  • Incorporated at Companies House

Companies House

In the full report: all 26 events

  • All 26 events in its history (7 shown here)
  • Every director appointment and resignation: 15
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Firms connected to Vacation Finance

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Get the full report on Vacation Finance

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 5 years of accounts, charted
  • All 26 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Vacation Finance Limited FCA authorised?
Yes, Vacation Finance Limited (FRN 721584) 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 March 2016. The FCA has placed a limit on what it may do.
What is Vacation Finance’s phone number?
The FCA register lists the phone number 07599 225922 for Vacation Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Vacation Finance a scam or clone?
Vacation 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 Vacation Finance?
Vacation Finance 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 Vacation Finance?
Vacation Finance is owned by Signallia Group Dmcc, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 9 August 2018. Before that, it was controlled by Mr Robert Thomas Trotta.
Who runs Vacation Finance?
Companies House lists one director of Vacation Finance: Mark Anthony Galea.
How long has Vacation Finance been in business?
The company was formed on 11 August 2015. Companies House now lists it as administration.
What do Vacation Finance’s latest accounts show?
Its latest accounts, to 31 December 2023, show net assets of £21.8k (+33% from £16.3k) and cash at bank of £565k (−16% from £672k). Its accounts are overdue at Companies House.
Does Vacation Finance use any other names?
It has previously used the name VFL Finance Solutions.

Sources and links

The full report on Vacation Finance Limited

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