Ampla Consumer Finance Limited

Reference number: 792153

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When ampla.finance first appeared online, and whether it can receive email
  • What kind of line 0800 009 6590 is, and the other firm that gives it
  • Who else gives the postcode EC2M 4QP
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Other names (4)

If you were contacted under any of these names, it is this firm.

  • Ampla Finance Trading name
  • Untangled Trading name
  • RS Consumer Finance Limited Former name
  • Free2 Former trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (3 permissions)
  • Credit Broking
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
10906534
Company status
Active
Company type
Private limited company
Incorporated
9 August 2017 (9 years old)
Registered office
288 Bishopsgate, London, EC2M 4QP, United Kingdom
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Peter Charles Beaumont Director Apr 1965 1 Sep 2025 8 other companies
Fraser Macdougall Director Apr 1977 19 Jan 2026 None
Laoiseach Sean O'Loingsigh Director Mar 1971 10 Jun 2026 19 other companies

Other companies run by these 3 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
19
closed down
5
went insolvent
2

In the full report: all 19 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The 2 that went into liquidation or administration
  • The 3 on the FCA register
  • The 8 companies these 3 directors run together
  • All 15 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Net assets

−£589k

Down £593k from £3,763

Cash at bank

£884k

No earlier figure to compare

Employees (average)

0

Same as 0

Owed within a year

£6.86m

Up £6.85m from £9,933

Net assets are negative: on its last balance sheet the company owed £589k more than it owned.

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

Accounts filed at Companies House for company 10906534. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Ampla Consumer Finance’s history from the FCA register and Companies House, newest first.

Key events (13) All events (48)

2024

17 January 2024

  • Changed its registered name from "RS Consumer Finance Limited"

FCA register

2 January 2024

  • Board replaced: both directors left and 2 new directors took over
  • Ampla Finance Holdings Limited took control (75–100% of shares)
  • Matthew Stewart Talbot no longer has significant control

Companies House

2020

9 September 2020

  • Board replaced: both directors left and 4 new directors took over
  • Herbert August Beckmann no longer has significant control
  • Matthew Stewart Talbot gained significant control

Companies House

2019

7 November 2019

  • Driss Benkirane stopped being the majority owner
  • Herbert August Beckmann gained significant control

Companies House

2018

24 July 2018

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2017

9 August 2017

  • Incorporated at Companies House
  • Driss Benkirane became the majority owner (50–75% of shares)

Companies House

In the full report: all 48 events

  • All 48 events in its history (13 shown here)
  • Every director appointment and resignation: 27
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Firms connected to Ampla Consumer Finance

Other FCA-listed firms that share a director, phone number or address with Ampla Consumer Finance. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share a director
1
share its phone number
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same phone number (1), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 2 past links through former directors
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Firms like Ampla Consumer Finance

Other firms of the same type (lender), nearest first.

In London

Klarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale Financial Services LimitedLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Ampla Consumer Finance

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 19 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 48 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Ampla Consumer Finance Limited FCA authorised?
Yes, Ampla Consumer Finance Limited (FRN 792153) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2018 and works as a lender. The FCA has placed no limits on its permissions.
What is Ampla Consumer Finance’s phone number and website?
The FCA register lists the phone number 0800 009 6590 and the website ampla.finance for Ampla Consumer Finance. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Ampla Consumer Finance a scam or clone?
Ampla Consumer Finance is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Ampla Consumer Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Ampla Consumer Finance handles your money, so check the specific product before you commit. You can also refer complaints about Ampla Consumer Finance to the Financial Ombudsman Service, free of charge.
Who owns Ampla Consumer Finance?
Ampla Consumer Finance is owned by Ampla Finance Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 2 January 2024. Before that, it was controlled by Mr Herbert August Beckmann, Mr Driss Benkirane and Mr Matthew Stewart Talbot.
Who runs Ampla Consumer Finance?
Companies House lists 3 directors of Ampla Consumer Finance: Peter Charles Beaumont, Fraser Macdougall and Laoiseach Sean O'Loingsigh.
How long has Ampla Consumer Finance been in business?
The company was formed on 9 August 2017, and has held its current FCA authorisation since July 2018.
What do Ampla Consumer Finance’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£589k (down £593k from £3,763) and cash at bank of £884k (no earlier figure to compare).
Does Ampla Consumer Finance use any other names?
It trades as Ampla Finance and Untangled. It has previously used 2 other names: RS Consumer Finance Limited and Free2.

Sources and links

The full report on Ampla Consumer Finance Limited

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