THE BADGER BULLETIN

Welcome to The Badger Bulletin, the only thing you’ll need to read to help get funded for your next loan.

What’s happening in The Bulletin this week Badger?

Contents:

1. Don’t Get Scammed! FCA Scammer List May 2025

2.  Scammer Spotlight for May 2025

3. Hints, Tips & Hacks - Raise Your Credit Score for FREE!

4.  Video - When Your Bank Balance Says NO!

5.  Blog Post: Loan Sharks in Disguise – The Rise of Clone Loan Firms

   Need some extra help this month?

   Apply Now

   Make sure you don’t get scammed! As from this week the Badger Bulletin will be publishing the FCA Warning List of firms trying to scam you. Want to see the full list? Here’s a link: FCA Warning List

FCA Scammer List For W/E 29/05/25

The Financial Conduct Authority keeps an updated list of all the licensed firms in the UK called the Register. They also keep a list of firms known to them who are trying to scam you and the link for that is above under FCA Warning List. Each week Badger Loans will publish the latest list of unauthorised scam firms and what are known as ‘Clone’ firms. Clone firms are people or companies who look like genuine, authorised firms but in reality are unauthorised scammers pretending to be the real deal. Badger Loans have had experience of people trying to do this to our customers. You can read about that here.

🚨 SCAM BUSTER – May's Dirty Dozen

These firms are on the FCA Warning List. Avoid like the plague.

Clone and Impersonator Loan Firms

This motley crew are pretending to be real, FCA-authorised firms but they’re nothing of the sort.

• Fraud Guard Agency
  A laughable name considering they’re the ones committing the fraud. No authorisation, no morals, no shame and no refund.

• Lenders Care (Clone)
  Claiming to be a caring lender but the reality is they care only about your bank details. The real Lenders Care is not lending at present.

• LendersList.co.uk
  Sounds helpful, right? In truth, it’s a front for unauthorised loan dealings. No FCA licence and definitely not your friend. They have disappeared.

• Focus Finance & Marketing
  More scam than strategy. They appear to offer financial solutions but deliver nothing but risk. Stay well clear. Possible catalogue/club fraud.

• London Investment Bank (Clone)

• Super Loan Ltd/ Purple Loan (Clone)

  The genuine Purple Loan have ceased trading unsecured loans for the time being.

The One-Man Bands of Scam Sites

These all appear to be linked. They’ve got very similar branding and near-identical site layouts. They are most likely operated by the same group. If you come across any of these, run. If you can’t run, head in the opposite direction. Quickly.

National Union Finance
Credit Union GB
CapitalCityPay.com
Premier Axis Finance
First City Mortgages
Assesetisiminvest.com
A mouthful to say and a warning in itself. Likely meant to confuse search engines and victims alike. Avoid completely.

🦡 Badger Tip:
Every firm here is listed on the official FCA Warning List — double-check before you hand over any information or fees. If you're unsure, drop us a line at [email protected]

 Need some help in the pocket?

Hints, Tips & Hacks – Undercover Tactics to Boost Your Credit Score:

❄️ The Snowflake Effect (Rebooted)

“Every payment is a snowflake. On its own, small. But stack ‘em up and you’ve got an avalanche of credibility.”

• Pay on time, even £1. Every successful payment adds weight.

• Use standing orders or direct debits to automate reliability.

🔍 The Dirty Window Analogy

“Your credit file is like a window. Missed payments are like bird crap. You can clean it but leave it long enough and people stop looking in.”

• Dispute errors.

• Add a “notice of correction” if you’ve had a rough patch.

• Don’t wait; clean the window regularly.

📈 Tip: The Magic 30%

Only use up to 30% of your available credit. Anything higher and lenders think you might be desperate.
Got a £1,000 limit? Don’t go above £300 if you want top marks.

Struggling for money!?

Badger Loans has your back.

We’re more than just a credit broker—we help repair your credit score for FREE while giving you access to some of the best bad credit loan deals in the UK. The whole point of this newsletter is to help you, the prospective loan applicant, get funded. Far too many people get knocked back in this industry and it’s so often for simple things they could easily have done something about. That’s where we come in. If, by reading something here that either changes a behaviour or gives a tip you didn’t know which results in you getting access to money you otherwise wouldn’t have - we’ve done our job.

With our seamless process, you can:

• Get instant approvals on loans

• Enjoy same day payouts (or sometimes quicker!) directly to your account

• Sell your Gold Silver or Jewellery with our Bully Badger bullion service

• About to inherit? Probate underway? See our Probate & Estate Loans

• Get a Home Improvement Loan without using your home as security.

Why wait? Take control of your finances today:

Loan Sharks in Disguise – The Rise of Clone Loan Firms

In an age where financial pressure is bearing down on millions, many turn to the internet looking for a fast solution, often in the form of a personal loan. The problem? A growing number of so-called “lenders” are nothing more than wolves in pinstripe suits. They look official, they sound convincing and they often borrow the identity of real, regulated companies (like ours!). Welcome to loan sharks in disguise – the rise of clone loan firms.

To read more click here to be taken to the blog page directly.

Need some extra cash? Hit the Apply Now button below to get on your way.

That’s all for this week folks!

That's it from Badger Loans for this week. We hope you enjoyed the read, had a chuckle and most importantly, learnt something new.

Looking for a loan?

📢 Want to keep getting this newsletter? Stick around for next week’s issue, where we’ll give you more ways to get funded. Plus, more tips to get your credit score flying and a hard focus on one of those horrible scammers.

See you next week,
Badger Loans