Concept Finances – Central Bank of Ireland Issues Warning on Unauthorised Firm

10 May 2024 Warning Notice


Warning: Unauthorised Retail Credit Firm
Unauthorised Firm Name Concept Finances
Email address(es) used ·         [email protected]
·         Livechat:
·         [email protected]
Phone number(s) used ·         +353 083 429 2611
·         +353 083 440 4768
·         +353 086 387 6820 (WhatsApp)
Authorisation in Ireland Concept Finances is not authorised to provide retail credit services or any other financial services in Ireland.
Additional information This scam is an example of an ‘advanced fee fraud’, where a payment is sought upfront prior to providing a loan. The loans are never provided.
The firm cloned the details of a Central Bank authorised firm and has been seeking to pass itself off as the legitimate firm, E. & L. Credit Limited, in order to deceive consumers. It should be noted that there is no connection whatsoever between the Central Bank authorised firm and the fraudulent firm.



  1. Any person wishing to contact the Central Bank with information regarding such firms / persons may telephone (01) 224 5800.
  2. For more information on how to protect yourself from financial scams, please visit
  3. The name of the above firm is published under section 53 of the Central Bank (Supervision and Enforcement) Act 2013