Western Loans Limited

Reference number: 688498

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Scammers have impersonated this firm. The FCA has published 1 warning 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.

  • No website on the FCA register

  • Phone number

    07881 305778

  • Address

    western loans ltd, 10a charles street, newport, gwent, NP20 1JU, United Kingdom

In the full report: 2 background checks

  • What kind of line 07881 305778 is
  • Who else gives the postcode NP20 1JU
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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)
  • 07378 553360
  • 07868 808698
Fake email addresses (2)
  • dr.johnje-oris@westernloansltd.org
  • hi@westernloansltd.org
Fake websites (1)
  • westernloansltd.org
The FCA warning 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 (4 permissions)
  • Entering into high-cost short-term credit 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 in relation to high-cost short-term credit

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.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company number
00779828
Company status
Active
Company type
Private limited company
Incorporated
5 November 1963 (62 years old)
Registered office
10a Charles Street, Newport, NP20 1JU
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Hannah Smithson Director Feb 1978 4 Apr 2024 None
Emily Leclare-Chard Director Feb 1969 1 Jul 2025 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 4 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 August 2025Small company accountsNot audited

Net assets

£569k

Same as £569k

Cash at bank

£83.7k

Same as £83.7k

Employees (average)

1

Same as 1

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 00779828. 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 Loans’s history from the FCA register and Companies House, newest first.

Key events (8) All events (14)

2024

29 November 2024

  • FCA warned the public about a scam impersonating this firm

FCA warning list

4 April 2024

  • Board replaced: its only director left and a new director took over
  • Hannah Smithson took control (75–100% of shares)
  • Robert Smithson gave up control

Companies House

2017

21 January 2017

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

Companies House

2016

20 July 2016

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

FCA register

1963

5 November 1963

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (8 shown here)
  • Every director appointment and resignation: 4
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Firms like Western Loans

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

In newport

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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 Loans

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
  • 7 years of accounts, charted
  • All 14 events in its history

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Frequently asked questions about this firm

Is Western Loans Limited FCA authorised?
Yes, Western Loans Limited (FRN 688498) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Western Loans’ phone number?
The FCA register lists the phone number 07881 305778 for Western Loans. If you were given different contact details, use these to check with the firm before going any further.
Is Western Loans a scam or clone?
Scammers have impersonated Western Loans: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Western Loans, shown on this page.
Is my money safe with Western Loans?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Western Loans handles your money, so check the specific product before you commit. You can also refer complaints about Western Loans to the Financial Ombudsman Service, free of charge.
Who owns Western Loans?
Companies House lists one person with significant control of Western Loans: Mrs Hannah Smithson (75–100% of shares). Before that, it was controlled by Mr Robert Smithson.
Who runs Western Loans?
Companies House lists 2 directors of Western Loans: Hannah Smithson and Emily Leclare-Chard.
How long has Western Loans been in business?
The company was formed on 5 November 1963, and has held its current FCA authorisation since July 2016.
What do Western Loans’ latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £569k (same as £569k) and cash at bank of £83.7k (same as £83.7k).

Sources and links

The full report on Western Loans Limited

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