Do you think this sounds like a legitimate business?

[Nina7648]

I was perusing some loans for some home improvements and was offered one by this company. I smell a rat though as they are called UK FINANCE UK LTD and their email address is

loanhelpline32875424+[email protected].

Also upon ringing them, there is no greeting just a 'hello?' from someone with what sounds like an accent in Africa, and they also cut me off 4 times with no answer.

U.K FINANCE U.K LTD.

Fixed Sum Loan Agreement Regulated by the Consumer Credit Act-1974
Loan Agreement is made [29/03/2025]
Valid Until: This Paper is valid only on the date produced.
Must be commenced by [08/04/2025]

Subject: Loan Approved

Dear Customer,

We are happy to inform you that your loan application with us has been accepted, you have a pre-approved loan on your name of £5000 over 60 months with monthly repayments of £95 a month and you can have this money credited in your bank account today.

Once details are shared, we can assure you can have your money credited in your bank account within 20-30 minutes (in working hours Mon-Fri from 08:00 AM to 06:00 PM, on Saturdays from 08:00 AM to 04:00 PM).

You can reply to this email with required bank details and we will get back to you.

Please provide your bank details in which you want to receive your loan.

Name on Account:

Sort code:

Account Number:

Date of Birth:

Please provide your valid contact number

For any help and further assistance, you can contact us on the customer support number 02081335275

Regards,

UK Finance

02081335275
www.ukfinance.co.uk
Chat - Available 8 a.m to 5 p.m

I don't feel right about it....what do you think?

It’s obviously a scam go with your actual bank

It is a scam . UK Finance is a trade body not a lender

The first customer review is written by John Doe. You can check the FCA number - just looking for it now

Yes that is a scam. It's a very obvious scam

https://register.fca.org.uk/s/firm?id=001b000002NIzvXAAT

The FCA shows that they're a known clone, using the FCA number of someone else - part of a scam.

So the FCA number is for a valid company but UK financial is a named unauthorised clone https://register.fca.org.uk/s/firm?id=001b000002NIzvXAAT

I needed a loan recently and got a free trial on Experian who will give you a list of preapproved lenders based on your credit score, so you can compare rates etc

There is no such company of that name registered at Companies House.

Make of that what you will.

Jesus. I didn't see that. Thanks so much.

Thanks ever so much everyone. I've reported this. I was THIS close to giving them my details, but I was almost scammed in a similar way trying to get a refund from easyJet last year...so glad I was cautious!!!

And thanks for the Experian tip.

John DOHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH ;)