Cash Lady loans (Clone of FCA authorised firm)

What Is This Scam?

Cash Lady loans (Clone of FCA authorised firm) is an unauthorised financial lending operation that fraudulently impersonates a legitimate, FCA-regulated firm. According to the FCA Register, this unauthorised firm uses the details of a genuine FCA-regulated company when offering financial products and services to unsuspecting consumers. The scam operates by mimicking the branding, contact information, and legitimacy markers of the real Cash Lady lender, deceiving victims into believing they are borrowing from a properly authorised institution. Since February 6, 2025, the FCA has confirmed that Cash Lady loans (Clone of FCA authorised firm) is not authorised or registered by the FCA but has been actively targeting people in the United Kingdom.

Victims of this scam may be contacted via email, phone, or fraudulent websites offering quick loans or financial services. Once engaged, scammers collect personal information, bank details, or upfront fees under false pretenses, leaving consumers financially harmed with no legitimate recourse or consumer protection.

Who Are They Impersonating?

The fraudsters are impersonating Cash Lady, a legitimate lending service operated by Digitonomy Limited, an FCA-authorised firm. The genuine company details are as follows:

• Firm Name: Digitonomy Limited
• FCA Firm Reference Number: 690249
• Official Address: The Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN, United Kingdom
• Official Telephone: +441244888880
• Official Email: [email protected]
• Official Website: https://digitonomy.com/
• Regulatory Authority: Financial Conduct Authority (FCA)

Digitonomy Limited is properly licensed and regulated by the FCA. Any lending operation claiming to be Cash Lady but using different contact details, websites, or communication channels should be treated as fraudulent.

Evidence & Regulatory Action

Multiple regulatory bodies have confirmed and issued warnings about this scam. On February 6, 2025, the FCA published an official warning on its news portal stating that Cash Lady loans (Clone of FCA authorised firm) is not authorised or registered by the FCA but has been targeting people in the UK.

The scam has been flagged across international regulatory channels, including:

• The FCA's official warning page
• The FCA Register, which lists this as an unauthorised firm
• IOSCO (International Organization of Securities Commissions), which flags it as an unregistered/unlicensed entity offering financial products
• AFM (Dutch Financial Authority), which has issued consumer warnings

Red Flags

• Contact from email addresses, phone numbers, or websites that do not match Digitonomy Limited's official details
• Pressure to act quickly or provide personal and financial information without proper verification
• Requests for upfront fees, deposits, or payments before loan approval
• Poor spelling, grammar, or unprofessional communication
• Inability to verify the firm on the official FCA Register
• Offers that sound too good to be true, such as guaranteed loans with no credit checks
• Websites with suspicious domain names or recently created domains

What To Do If You Have Been Contacted

If you receive contact from this scam operation, take the following steps immediately:

• Do not provide any personal information, bank details, or financial data
• Do not make any payments or transfer any money
• Verify the firm directly by visiting the FCA Register and checking the firm reference number (690249)
• Report the scam to the FCA via their warning portal at www.fca.org.uk
• Report the scam to Action Fraud (UK) at www.actionfraud.police.uk or call 0300 123 2040
• If money has been sent, contact your bank or payment provider immediately to report fraud and request a reversal
• Forward suspicious emails to the FCA at [email protected]
• Monitor your credit file for signs of identity theft or fraudulent accounts