We believe a number of firms are carrying out consumer credit activities, specifically offering 'Christmas Loans' in the UK, without our permission or authorisation. Find out why to be especially wary of dealing with these unauthorised firms and how to protect yourself from scammers.
Almost all firms and individuals carrying out consumer credit activities in the UK must be authorised by us.
However, some firms act without our permission or authorisation and some knowingly run scams.
These firms are not authorised by us but have been targeting people in the UK:
Unauthorised 'Christmas Loans' companies
Unemployed Easy Loans: http://www.unemployedeasyloans.co.uk/christmas-loans.html
Lenders Club: http://www.lendersclub.uk/christmas-loans
Christmas Loans: http://www.christmasloanbadcredit.co.uk
Mistletoe Loans: http://mistletoeloans.co.uk
Affordable Payday Loans: http://affordablepaydayloan.co.uk/ChristmasLoans.html
Fast Christmas Loans: http://www.fastchristmasloans.co.uk
Need Xmas Loans: http://www.needxmasloans.co.uk
Loan Point: http://www.loanpoint.uk/christmas-loans
Christmas Loans: http://www.gethristmasloans.co.uk
Online 12 month Loans: http://www.online12monthloans.co.uk/services/christmas-loans.html
Just Jingle: http://justjinglecash.co.uk/tag/xmas-payday-com
Christmas Loans Now: http://www.christmasloansnow.co.uk/xmas-loans-unemployed.html
5 minute loans: http://www.5minuteloans.co.uk/christmas_loans.html
3 Month Loans: http://www.easy3monthloansuk.co.uk/christmas-loans.html
12 Month Loans: http://www.ask412monthloans.co.uk/christmas-loans.html
A One Loans: https://en-gb.facebook.com/AOneLoans.UK
The Easy Loans: http://www.theeasyloans.uk/christmas-loans.html
Go 4 UK Loans: http://www.go4ukloans.co.uk/christmas-loans.html
Loan Tube: http://www.loantube.uk/blog/tag/christmas-loans-for-unemployed
How to protect yourself
We strongly advise you to only deal with consumer credit firms that are authorised by us, and check the Financial Services Register and Consumer Credit Interim Permission register to ensure they are. These registers have information on firms and individuals that are, or have been, regulated by us.
If a firm does not appear on the Register but claims it does, contact our Consumer Helpline on 0800 111 6768.
There are more steps you should take to protect yourself from unauthorised firms.
You should also be aware that if you give money to an unauthorised firm, you will not be covered by the Financial Ombudsman Service or Financial Services Compensation Scheme (FSCS) if things go wrong.
Report an unauthorised firm
If you think you have been approached by an unauthorised firm or contacted about a scam, you should contact our Consumer Helpline on 0800 111 6768.
You can see more ways to report an unauthorised firm and find out what to do if you have been scammed.