Central Bank of Ireland Issues Warning on Unauthorised Retail Credit Firm - Private Loans Gardens

22 March 2016 Warning Notice

The Central Bank of Ireland (‘Central Bank’) today (22 March 2016) published the name of an unauthorised firm, Private Loans Gardens. Private Loans Gardens is not authorised as a retail credit firm by the Central Bank and had advertised the availability of credit online and gave an email address of [email protected].

A list of unauthorised firms published to date is available on the Central Bank website.

It is a criminal offence for an unauthorised firm/person to provide financial services in Ireland that would require an authorisation under the relevant legislation which the Central Bank is the responsible body for enforcing. Consumers should be wary of advertisements offering loans from unauthorised/anonymous firms or persons. Consumers can check the Central Bank registers online to find out if a firm they are dealing with is authorised.

Any person wishing to contact the Central Bank of Ireland with information regarding such firms/persons may telephone (01) 224 4000. This line is also available to the public to check if a firm is authorised. Since obtaining the necessary legal powers in August 1998, the names of 267 unauthorised firms have been published by the Central Bank.


The name of the above firm is published under the Central Bank (Supervision and Enforcement) Act 2013.