derbyscombk.com / derbyscomm.com (Clone of FCA authorised firm)

What Is This Scam?

derbyscombk.com and derbyscomm.com are fraudulent websites designed to deceive consumers by impersonating a legitimate, FCA-authorised financial institution. These clone sites are not authorised or registered by the Financial Conduct Authority (FCA) but have been actively targeting people in the United Kingdom. Scammers behind these websites use fake domains, deceptive email addresses, and cloned branding to gain the trust of unsuspecting victims. The primary objective is to trick individuals into providing personal information, banking credentials, and funds under the false premise that they are dealing with a legitimate credit union.

This type of fraud is particularly dangerous because it exploits the reputation and regulatory standing of an established financial services provider. Victims may be approached through unsolicited emails, phone calls, or social media channels and directed to these fraudulent websites where they are prompted to open accounts, transfer money, or complete investment transactions.

Who Are They Impersonating?

The scammers are impersonating Derbyshire Community Bank, which operates under the legal entity name Erewash Credit Union Limited. This is a genuine, FCA-authorised financial institution with the following verified details:

• Firm Name: Erewash Credit Union Limited
• FCA Reference Number: 432447
• Official Website: www.dcbank.org.uk
• Official Email: [email protected]
• Registered Address: Cubo, Victoria Street, Derby, Derbyshire, DE1 1EQ, United Kingdom
• Telephone: +441332348144
• Regulatory Authority: Financial Conduct Authority (FCA)

Evidence & Regulatory Action

The FCA has formally documented this fraud and issued official warnings. According to the FCA's official warning published on 26 November 2025, derbyscombk.com and derbyscomm.com are confirmed unauthorised firms using the details of the genuine FCA-authorised Derbyshire Community Bank.

The scam has also been registered in the FCA's register of unauthorised firms, which explicitly states that these websites use the details of a genuine FCA-registered entity to deceive consumers. This official regulatory documentation confirms the criminal nature of these operations and provides consumers with authoritative proof that these domains are not legitimate.

Red Flags

• Websites using domains derbyscombk.com or derbyscomm.com (not the official www.dcbank.org.uk)
• Email addresses using [email protected] instead of the official [email protected]
• Requests for personal banking information, passwords, or PIN codes
• Pressure to transfer money quickly or invest in financial products
• Poor website design, spelling errors, or inconsistent branding compared to the legitimate site
• Unsolicited contact via email, phone, or social media directing you to these sites
• Inability to verify the site through the official FCA register

What To Do If You Have Been Contacted

If you have received communications from these fraudulent websites or email addresses, take the following steps immediately:

• Do not click any links or download attachments from suspicious emails
• Do not provide any personal, financial, or banking information
• Do not transfer any money to accounts associated with these domains
• Report the scam to the FCA at www.fca.org.uk
• Report the fraud to Action Fraud (the UK's national fraud reporting service) at www.actionfraud.police.uk or by calling 0300 123 2040
• Contact your bank immediately if you have already shared banking details or transferred funds
• Verify all future communications directly with the official Derbyshire Community Bank using their phone number +441332348144 or official website www.dcbank.org.uk