Valleys Finance Limited
Reference number: 706238
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.
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Phone number
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Address
98a Commercial Street, Tredegar, Gwent, NP22 3DW, United Kingdom
In the full report: 3 background checks
- When valleysfinance.ltd.uk first appeared online, and whether it can receive email
- What kind of line 01495 722333 is
- Who else gives the postcode NP22 3DW
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.
Fake phone numbers (1)
- 07520 650354
Fake email addresses (3)
- customerhelplineloanteam24@gmail.com
- infovalleyfinance@gmail.com
- loanapproved48@gmail.com
Fake websites (1)
- valleyfinance.online
The FCA warning these came from
- valleyfinance.online 23 June 2026
Scammers change these details often. Always check the live FCA warning.
FCA permissions and consumer protection
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (5 permissions)
- Credit Broking
- Entering into a regulated home credit loan agreement as lender
- 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)
- Exercising or having the right to exercise the lender's rights and duties under a regulated home credit loan agreement
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.
The clone warnings above are scammers using this firm's name, not something the firm has done.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 07112423 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 23 December 2009 (16 years old)
- Registered office
- Matches the FCA register address ✓
- Nature of business
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- Other credit granting not elsewhere classified (SIC 64929)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Jeffrey Ross Phillips | Director | Oct 1958 | 23 Dec 2009 | 1 other company |
| Graham Charles Southall | Director | May 1963 | 4 Jun 2010 | None |
| Hazel Margaret Bradbury | Director | Dec 1972 | 6 Jan 2025 | 2 other companies |
| Neil David Lewis | Director | Jul 1966 | 6 Jan 2025 | None |
| Alexander Marc Wilkins | Secretary | Not published | 2 Dec 2019 | – |
Other companies run by these 4 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
- 3
- closed down
- 1
- is FCA-registered
- 1
In the full report: all 3 companies, named
- What each company does, and whether it is still trading
- Which of these 4 directors sit on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
- All 7 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£2.71m
+14% from £2.37m
Cash at bank
£321k
+71% from £188k
Employees (average)
102
−3.8% from 106
Owed within a year
£2.08m
−5.5% from £2.20m
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
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 07112423. 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
Valleys Finance’s history from the FCA register and Companies House, newest first.
2026
23 June 2026
- FCA warned the public about a scam impersonating this firm
FCA warning list
2024
24 October 2024
- David Guy Phillips stopped being the majority owner
- Jeffrey Ross Phillips stopped being a part-owner
- Phillips Family Investments Limited took control (75–100% of shares)
Companies House
2016
27 May 2016
- Regulated by the FCA from this date
- Became authorised by the FCA
FCA register
6 April 2016
- David Guy Phillips became the majority owner (50–75% of shares)
- Jeffrey Ross Phillips became a part-owner (25–50% of shares)
Companies House
2009
23 December 2009
- Incorporated at Companies House
Companies House
In the full report: all 22 events
- All 22 events in its history (9 shown here)
- Every director appointment and resignation: 10
Firms connected to Valleys Finance
Other FCA-listed firms that share a director, phone number or address with Valleys Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1)
- Who links it to this firm: the named directors, with dates
Firms like Valleys Finance
Other firms of the same type (lender), nearest first.
In the Newport (NP) postcode area
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 Valleys Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 22 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Valleys Finance Limited FCA authorised?
What is Valleys Finance’s phone number and website?
Is Valleys Finance a scam or clone?
Is my money safe with Valleys Finance?
Who owns Valleys Finance?
Who runs Valleys Finance?
How long has Valleys Finance been in business?
What do Valleys Finance’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- FCA warning: valleyfinance.online fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk