With a career of over 30 years in finance and lending, Mr Auger has been a director of an Essex-based and FCA-regulated mircolender TFS Loans Limited (“TFS”) for over 10 years. Established by Paul in 2009, TFS is focused on the guarantor loans market and currently offers guaranteed loans under £15,000 to retail consumers. Established in 2009, TFS was initially authorised by the Office of Fair Trading until responsibility was transferred to the FCA in April 2014 when it was given interim authorisation until full authorisation was granted by the FCA at the end of 2016.