It has been brought to our attention that a scam loans company called Loan4Help has been committing fraud by claiming to offer or advance “loans” to borrowers whilst pretending to be a trading company of Finance and Credit Corporation Limited. It is not. Loan4Help has absolutely no connection to Finance and Credit Corporation Limited.

It has also come to our attention that a third party has been contacting borrowers on a fraudulent basis by purporting to be Finance and Credit Corporation Limited and claiming to offer or advance “loans” to borrowers. This third party has been contacting borrowers on an unsolicited basis via the following email address: . Please note that our company Finance and Credit Corporation Limited is in no way connected with the third party and does not use or operate that email address.

These operations have been cold calling and emailing members of the public, fraudulently pretending to be or to be connected with Finance and Credit Corporation Limited, asking for upfront fees from borrowers and advancing monies in relation to purported “loans”. They have also sent documents to borrowers which fraudulently claim to contain the signature of the Managing Director of our company.

These operations have also been using the following telephone numbers to contact consumers: 0203 129 2514 and 0238 106 0723. They may also have been operating from other telephone numbers and email addresses.

Please note that Finance and Credit Corporation Limited does not cold call, send unsolicited signed “loan agreements” or ask for upfront fees. We strongly suggest that you call our Managing Director Elio Astone on 020 7722 7547 in advance of proceeding with any “loan” or if you have any further questions.

If you are contacted by Loan4Help, or any of the companies which appear to be involved in these frauds, you should also report them to Action Fraud on 0300 123 2040.

Bridging LoansClear & Simple

Fincorp is one of the UK's most established and respected bridging loan companies. For more than 25 years the company has been providing 1st and 2nd charge bridging finance on residential properties in London and Southern England. Our bridging loans vary typically between £100,000 and £10 million, and we lend up to 70% value of the property secured on the property. And because you deal only with decision-makers, your bridging loan requirements are always dealt with quickly and with the minimum of fuss.

Why Fincorp for Bridging Loans?

We're a Principal Lender. Customers are able to get a decision quickly on their bridging loan without having to wait for authorisation from anyone else. And there's no back-tracking at a later date. So that means when we say yes to a loan, we mean it.

Our approach to business is summed up in two words, Clear and Simple. We believe that bridging lending is a straightforward business, all too often complicated by lenders with their lack of transparency and reliance on the small print. We work hard to make your dealings with us as clear and simple as possible.

Our Criteria

  • Principal Lender
  • 1st and 2nd Charges
  • London and South East
  • Residential properties
  • Bridging Loans from £100,000 - £10 million
  • Up to 70% LTV

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A more professional state of affairs

By Matthew Anderson, director of Fincorp

Clear. Fair. Not misleading.

Three words thrown down to the consumer credit market by the Financial Conduct Authority in April this year.

We knew they were coming years before they arrived. Lenders across the bridging market have based their entire marketing strategies on being the best and most regulated that they can be.

And yet, I read with dismay a story in one of our industry’s trade papers that the FCA is still worried about how consumer credit firms are promoting themselves. A lot of the problems they refer to are for lenders that have nothing to do with bridging admittedly – debt management firms and logbook lenders appeared to be among the worst offenders – but there was one concern that caught my eye particularly.

The regulator highlighted “promotions that guaranteed firms would provide credit regardless of customers’ circumstances” as being unclear, misleading and definitely not fair. Although I would hope that none of the professionals who operate in the bridging market would advertise their services to customers using such fantasy to entice deal flow, I continue to worry there is an undercurrent that touches our sector and which hasn’t yet fully let go of that past attitude so rife in the pre-Credit Crunch era.

There are really quite visible advisers out there who encourage customers to use second charge loans as a means to consolidate debt. Of itself, this is not bad advice and in fact, it might actually be the right thing for the customer to do. The problem is when it’s not the right thing for the customer.

As the type of advertising that’s caught the attention of the FCA shows, clearly there are enough people without scruples who are prepared to take advantage of the vulnerable.

Now, why is this relevant to bridging I hear you ask? Well, directly it’s not.

There are enough big and professional lenders, now populated with professional people who have come from banking, retail mortgage lending, private equity and even hedge fund backgrounds that I think we can consider ourselves a professional marketplace. It is good to see so many bridging lenders sticking up for the right way to treat customers. It has become a battleground on which lenders compete for business – and that has to be good for clients.

As one who has worked in bridging for many years, and since long before it became the gold rush it is now considered, it is also extremely satisfying to see so many professionals making a success of bridging and trade bodies such as the Association of Short Term Lenders and Association of Bridging Professionals working tirelessly to maintain standards at a high level.

It might have taken some time, but I really believe that as an industry we are so much further down the professional path than we were even just three years ago. We should take a moment and perhaps give ourselves a tentative and collective pat on the backs. But – of course there’s a but – the fact is that there remains an undercurrent beneath all of the good work that so many of us in this industry are committed to.

There are still questionable practices around remuneration of brokers which aren’t always made transparent to borrowers. There are still shady fees being applied to deals that continue to catch borrowers unaware. There are still those deals being touted round the bridging market that no lender in their right mind will touch, but which nevertheless we see and throw out.

We have come a long way. But as this latest announcement from the regulator reminds us, there’s no room for complacency.