On the register, but not FCA authorised
This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.
What does this mean?
- Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
- What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
- It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
- So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.
This company holds another FCA record
A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.
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.
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No website on the FCA register
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No phone number on the FCA register
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Address
Floor 8, Lyndon House, Hagley Road, Birmingham, West Midlands, B16 8PE, United Kingdom
In the full report: 1 background check
- Who else gives the postcode B16 8PE
Past FCA permissions and consumer protection
- Money-laundering registration onlyThis firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
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 name
- 345 RAIL LEASING LIMITED
- Company number
- 11770286 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 16 January 2019 (7 years old)
- Registered office
- 3rd Floor (South), 200 Aldersgate Street, London, EC1A 4HD, England
- Nature of business
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- Financial leasing (SIC 64910)
- Financial intermediation not elsewhere classified (SIC 64999)
- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Antony Edward Mitton | Director | Sep 1967 | 16 Jan 2019 | 16 other companies |
| Lawrence James Butcher | Director | Dec 1968 | 16 Jan 2019 | 18 other companies |
| Kashif Rahuf | Director | Dec 1978 | 29 May 2019 | 84 other companies |
| Andrew Kleczkowski | Director | Jan 1967 | 14 Mar 2024 | 2 other companies |
| Omar Razaq | Director | Jan 1983 | 14 Mar 2024 | 3 other companies |
| Jack Anthony Scott | Director | Jan 1992 | 1 Oct 2025 | 95 other companies |
| EQUITIX MANAGEMENT SERVICES LIMITED | Corporate secretary | Not published | 1 Nov 2025 | – |
Other companies run by these 6 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
- 141
- closed down
- 9
- are FCA-registered
- 4
In the full report: all 141 companies, named
- What each company does, and whether it is still trading
- Which of these 6 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 4 on the FCA register
- The 73 companies these 6 directors run together
- All 14 people who have ever been directors, with their dates
Key dates in its history
B.I.G Finance’s history from the FCA register and Companies House, newest first.
2024
13 March 2024
- Mithras Rail Holdings Limited became a part-owner (25–50% of shares)
- Smbc Leasing (UK) Limited stopped being a part-owner
Companies House
2021
16 June 2021
- Registered with the FCA
FCA register
2019
5 March 2019
- 345 Rail Leasing Mid Co Limited became a part-owner (25–50% of shares)
- Equitix Infrastructure 5a Limited stopped being a part-owner
Companies House
16 January 2019
- Incorporated at Companies House
- Equitix Infrastructure 5a Limited became a part-owner (25–50% of shares)
- Smbc Leasing (UK) Limited became a part-owner (25–50% of shares)
Companies House
In the full report: all 30 events
- All 30 events in its history (8 shown here)
- Every director appointment and resignation: 22
Firms connected to B.I.G Finance
Other FCA-listed firms that share a director, phone number or address with B.I.G Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share a director
- 4
In the full report: all 4 connected firms, named
- How each is linked: shared directors (4)
- Who links each one: the named directors, with dates
Get the full report on B.I.G Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 141 other companies its directors have run, named
- 1 background check on its contact details
- All 30 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk