Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 2 years
- Protected through the principal
- No FCA actions
- Active company since 2022
- Accounts filed up to 31 December 2025
- On its latest accounts it owed £38.2k more than it owned
Responsible principal firm
The Compliance Guys Ltd Reference number: 941360 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- Zap Loans Limited (FRN 1016153) is an AR of The Compliance Guys Ltd (FRN 941360). When you use Zap Loans's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Zap Loans, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
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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No website on the FCA register
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Phone number
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Address
Zap Loans Limited, CARS2 Omoda Jaecoo, Calder Island, Wakefield, WF2 7AW, United Kingdom
In the full report: 2 background checks
- What kind of line 01924 667477 is
- Who else gives the postcode WF2 7AW
FCA permissions and consumer protection
- Protection through the principal firmProtection works through The Compliance Guys Ltd, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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
- 14435458 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 21 October 2022 (4 years old)
- Registered office
- C/O Cars 2 Limited Waldorf Way, Denby Dale Road, Wakefield, West Yorkshire, WF2 8DH, United Kingdom
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Allan George Otley | Director | Apr 1961 | 21 Oct 2022 | 8 other companies |
Other companies run by its director
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
- 8
- closed down
- 3
- is FCA-registered
- 1
In the full report: all 8 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
Filed accounts and finances
Net assets
−£38.2k
Down £27.5k from −£10.6k
Owed within a year
£73.4k
+74% from £42.1k
Net assets are negative: on its last balance sheet the company owed £38.2k more than it owned.
Assets and liabilities
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 14435458. 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
Zap Loans’s history from the FCA register and Companies House, newest first.
2026
2 September 2026
- Allan George Otley gave up control
- Ascot Family Investment Company Limited took control (75–100% of shares)
Companies House
2025
2 September 2025
- Began trading as "Zap Loans"
FCA register
2024
29 July 2024
- Became an appointed representative
FCA register
2022
21 October 2022
- Incorporated at Companies House
- Allan George Otley took control (75–100% of shares)
- Allan George Otley appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Zap Loans
Other FCA-listed firms that share a director, phone number or address with Zap Loans. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share a director
- 1
- share its postcode
- 3
In the full report: all 4 connected firms, named
- How each is linked: shared directors (1), the same postcode (3)
- Who links each one: the named directors, with dates
Firms like Zap Loans
Other firms of the same type (insurance broker), nearest first.
In Wakefield
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 Zap Loans
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 8 other companies its directors have run, named
- 2 background checks on its contact details
- All 7 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk