ELM (LEGAL SERVICES) LTD.

www.elm-online.co.uk

Elm Legal Services, 1A Victoria Park
Fishponds
Bristol
BS16 2HJ
United Kingdom
(full details)

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Current FCA status for firm: Authorised
Borrowing money, including credit card lending and credit information: Some permissions
This firm has our permission to carry out some activities in your chosen category. See below to find out what this firm can do.

What this firm can do

  • Lend you money on an unsecured basis (for example, a hire purchase agreement, an unsecured personal loan or a credit card). Unsecured means you don't need to use your home, car or any other goods as security for the loan.

  • Lend you money on a secured basis (for example, pawnbroking loans or guarantor loans, but excluding most mortgages).

  • Receive unsecured loan payments from you (for example, a hire purchase agreement, an unsecured personal loan or a credit card), and take any action as set out in your loan agreement. For example, this may include the right to sell your agreement to someone else.

    • They can't provide cash loans
    • They can't add interest or charges to loans
    • They can’t hire goods to you if the agreement includes an option for you to buy the goods at the end of the contract

  • Receive secured loan payments from you and take any action as set out in your loan agreement. For example, this may include the right to sell the goods you gave as security for the loan if you don't keep up repayments.

    • They can't provide cash loans
    • They can't add interest or charges to loans
    • They can’t hire goods to you if the agreement includes an option for you to buy the goods at the end of the contract

What this firm can't do

  • Provide high-cost short-term credit (payday loans).

  • Lend you money in return for taking ownership of your goods (usually a vehicle) as security for the loan. These are known as bill of sale or logbook loans.

  • Provide home credit loans.

  • Take action as set out in any other type of loan or credit agreement.

Next steps

This firm is authorised and has some permissions for the product or service you selected. Make sure you ask the firm if it has permission for the exact product or service you need.

You can also:

  • speak to us if you’re struggling to check any details about this firm, or have questions about Firm Checker
  • check MoneyHelper for free financial guidance that's backed by Government 

Protection if something goes wrong

If you want to complain

If you feel like you've been treated unfairly, or if something goes wrong with a financial product or service, you can complain. Get in touch with the firm using its complaints contact details. You can find these by clicking on the 'full details' link at the top of this page.

If you're unhappy with the firm's response, you can make a complaint to the Financial Ombudsman Service. Find out more about how to complain.

If a firm goes out of business

If an authorised financial firm offering this type of product goes out of business and owes you money, you won't be able to claim compensation from the Financial Services Compensation Scheme (FSCS). Find out what products and services the FSCS covers.

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