Merchant Money Ltd

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Addresses

The contact details this firm has registered with the FCA.

The regulated activities the FCA has granted this firm permission to carry out.

Authorised to Operate
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- · The firm can only agree to carry on the regulated activities specified in this Notice.
Credit Brokering
Consumer Loans
Loan Servicing

Senior staff personally approved by the FCA to hold their roles here.

Ashley Craig Carroll-Miller
IRN ACC01182
- CF1 Director (AR) (8 Feb 2017 to 2 Mar 2018)
Daniela Lazarova Cunningham
IRN DXC00904
- SMF17 Money Laundering Reporting Officer (MLRO) (since 7 Aug 2025)
Danny Aaron Girnun
IRN DAG01204
- SMF3 Executive Director (9 Dec 2019 to 12 Aug 2025)
- CF1 Director (10 Aug 2016 to 8 Dec 2019)
Elina Chachko Morrison
IRN EXC01565
- CF28 Systems and controls (10 Aug 2016 to 19 Jun 2018)
Jan Mieczyslaw Stefanowicz
IRN JMS01490
- CF2 Non Executive Director (10 Aug 2016 to 29 Jun 2017)
Jonathan Lior Stern
IRN JLS01201
- SMF3 Executive Director (since 9 Dec 2019)
- SMF17 Money Laundering Reporting Officer (MLRO) (9 Dec 2019 to 8 Aug 2025)
- CF1 Director (18 May 2017 to 8 Dec 2019)
- CF11 Money Laundering Reporting (10 Aug 2016 to 8 Dec 2019)
Luke John Jooste
IRN LXJ24934
- SMF1 Chief Executive (19 Mar 2020 to 12 Aug 2025)

Smaller firms operating under this firm's FCA authorisation.

Access Fertility Ltd (no longer appointed)
FRN 770860 · Appointed 2 Feb 2017 · Until 8 Mar 2018

Updates to this firm's record on the FCA register.

No changes recorded yet.

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Any firm offering these services has to be authorised by the FCA.
Permissions: The specific regulated activities a firm is allowed to carry out, like advising on insurance, lending money or arranging investments. Anything outside this list isn't covered.
Approved individuals: Senior staff (directors, compliance officers and similar) have to be approved by the FCA personally before they can take up the role. They're held accountable for the firm's conduct.
Appointed representatives: Smaller firms can do regulated business under another firm's authorisation rather than getting their own. The bigger firm (the 'principal') is legally on the hook for what they do.

Information on this page is sourced from the official FCA register.