Western Circle Ltd

Reference number: 714479

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Scammers have impersonated this firm. The FCA has published 2 warnings naming the fake phone numbers, emails and websites they used. See the warnings →

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.

In the full report: 3 background checks

  • When westerncircle.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 3757 1933 is
  • Who else gives the postcode NW11 9ET
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Other names (8)

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

  • Cashfloat Trading name
  • Pay Day Bad Credit Trading name
  • Paydayloansnet Trading name
  • Payday Loans Online Trading name
  • Peraloans Trading name
  • Personal Loans Now Trading name
  • Quick Loans Express Trading name
  • The Proper Former trading name

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 (2)
  • 020 3137 3270
  • 07391 892241
Fake email addresses (1)
  • info@floatingmoney.co.uk
Fake websites (1)
  • floatingmoney.co.uk
The 2 FCA warnings these came from

Scammers change these details often. Always check the live FCA warning.

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 (3 permissions)
  • Credit Broking
  • Entering into high-cost short-term credit as lender
  • Exercising or having the right to exercise the lender's rights and duties in relation to high-cost short-term credit

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
81
upheld, against a 31% median
4%
about banking and credit
81

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
07581337
Company status
Active
Company type
Private limited company
Incorporated
28 March 2011 (15 years old)
Registered office
Office 8 Zohar Court, 2a Highfield Avenue, London, NW11 9ET, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)
  • Other credit granting not elsewhere classified (SIC 64929)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Jeremy Lloyd Director May 1986 23 Apr 2012 4 other companies
Julie Darmudas Director Mar 1977 6 Oct 2024 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
5
closed down
1
still active
4

In the full report: all 5 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
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Net assets

£3.88m

+56% from £2.48m

Cash at bank

£2.22m

+41% from £1.58m

Owed within a year

£1.69m

−13% from £1.94m

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.

Accounts filed at Companies House for company 07581337. 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

Western Circle’s history from the FCA register and Companies House, newest first.

Key events (6) All events (31)

2017

9 January 2017

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2016

13 May 2016

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

FCA register

6 April 2016

  • Jeremy Lloyd gained significant control

Companies House

2012

23 April 2012

  • Board replaced: its only director left and a new director took over

Companies House

2011

28 March 2011

  • Incorporated at Companies House

Companies House

In the full report: all 31 events

  • All 31 events in its history (6 shown here)
  • Every director appointment and resignation: 9
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Firms like Western Circle

Other firms of the same type (lender), nearest first.

In London

Clydesdale Financial Services LimitedLondonAuthorisedSaga Services LimitedLondonAuthorisedSainsbury's Financial Services LimitedLondonAuthorisedMadison CF UK LimitedLondonAuthorisedLendable LtdLondonAuthorisedSalary Finance LimitedLondonAuthorised

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 Western Circle

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 31 events in its history

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Frequently asked questions about this firm

Is Western Circle Ltd FCA authorised?
Yes, Western Circle Ltd (FRN 714479) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Western Circle’s phone number and website?
The FCA register lists the phone number 020 3757 1933 and the website westerncircle.co.uk for Western Circle. If you were given different contact details, use these to check with the firm before going any further.
Is Western Circle a scam or clone?
Scammers have impersonated Western Circle: the FCA has published 2 warnings about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Western Circle, shown on this page.
Is my money safe with Western Circle?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Western Circle handles your money, so check the specific product before you commit. You can also refer complaints about Western Circle to the Financial Ombudsman Service, free of charge.
Who owns Western Circle?
Companies House lists one person with significant control of Western Circle: Mr Jeremy Lloyd (significant influence or control).
Who runs Western Circle?
Companies House lists 2 directors of Western Circle: Jeremy Lloyd and Julie Darmudas.
How long has Western Circle been in business?
The company was formed on 28 March 2011, and has held its current FCA authorisation since May 2016.
What do Western Circle’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £3.88m (+56% from £2.48m) and cash at bank of £2.22m (+41% from £1.58m).
How many complaints does Western Circle get?
In January–June 2025, the Financial Ombudsman Service received 81 new complaints about Western Circle, and upheld 4% of those it decided.
Does Western Circle use any other names?
It trades as Cashfloat, Pay Day Bad Credit, Paydayloansnet, Payday Loans Online and Peraloans, and 2 more names. It has previously used the name The Proper.

Sources and links

The full report on Western Circle Ltd

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