Wessex Credit Ltd

Reference number: 705182

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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.

  • No website on the FCA register

  • Phone number

    07740 604554

  • Address

    3 Old Farm Road, West Ashton, Trowbridge, Wiltshire, BA14 6FP, United Kingdom

In the full report: 2 background checks

  • What kind of line 07740 604554 is
  • Who else gives the postcode BA14 6FP
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Other names (1)

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

  • HOMECREDIT4U Trading name

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)
  • 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

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
07893126
Company status
Active
Company type
Private limited company
Incorporated
28 December 2011 (14 years old)
Registered office
3 Old Farm Road, West Ashton, Trowbridge, BA14 6FP, England
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)
  • Other letting and operating of own or leased real estate (SIC 68209)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael Anthony Corcoran Director Sep 1947 28 Dec 2011 None
Louisa Joyce Corcoran Director Nov 1978 1 Mar 2015 None
Dominic Patrick Corcoran Director May 1972 2 Mar 2016 1 other company

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 company
1
closed down
1

In the full report: all 1 company, 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
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

£453k

+5.8% from £428k

Cash at bank

£200k

+77% from £113k

Employees (average)

3

Same as 3

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 07893126. 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

Wessex Credit’s history from the FCA register and Companies House, newest first.

Key events (7) All events (13)

2019

6 May 2019

  • Dominic Patrick Corcoran became a part-owner (25–50% of shares)
  • Louisa Joyce Corcoran became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Michael Anthony Corcoran became a part-owner (25–50% of shares)

Companies House

2015

30 November 2015

  • 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

2011

28 December 2011

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Get the full report on Wessex Credit

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is Wessex Credit Ltd FCA authorised?
Yes, Wessex Credit Ltd (FRN 705182) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2015. The FCA has placed a limit on what it may do.
What is Wessex Credit’s phone number?
The FCA register lists the phone number 07740 604554 for Wessex Credit. If you were given different contact details, use these to check with the firm before going any further.
Is Wessex Credit a scam or clone?
Wessex Credit 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 Wessex Credit?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Wessex Credit handles your money, so check the specific product before you commit. You can also refer complaints about Wessex Credit to the Financial Ombudsman Service, free of charge.
Who owns Wessex Credit?
Companies House lists 3 people with significant control of Wessex Credit: Mr Dominic Patrick Corcoran (25–50% of shares), Miss Louisa Joyce Corcoran (25–50% of shares) and Mr Michael Anthony Corcoran (25–50% of shares).
Who runs Wessex Credit?
Companies House lists 3 directors of Wessex Credit: Michael Anthony Corcoran, Louisa Joyce Corcoran and Dominic Patrick Corcoran.
How long has Wessex Credit been in business?
The company was formed on 28 December 2011, and has held its current FCA authorisation since November 2015.
What do Wessex Credit’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £453k (+5.8% from £428k) and cash at bank of £200k (+77% from £113k).
Does Wessex Credit use any other names?
It trades as HOMECREDIT4U.

Sources and links

The full report on Wessex Credit Ltd

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