Caledonian Consumer Finance Ltd

Reference number: 619101

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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 caledonianfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0333 014 4561 is, and the 2 other firms that give it
  • Who else gives the postcode G3 8EP
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Other names (6)

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

  • New Career Skills Former trading name
  • OLC Former trading name
  • OLCI Former trading name
  • OLCI Construction Training Former trading name
  • OLCI CT Former trading name
  • OLCI PT 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 (4 permissions)
  • Debt Administration
  • Debt-collecting
  • 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)

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
07368004
Company status
Active
Company type
Private limited company
Incorporated
7 September 2010 (16 years old)
Registered office
Pacific House Fletcher Way, Parkhouse, Carlisle, CA3 0LJ, England
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
Craig William Murray Director May 1958 7 Sep 2010 7 other companies
Stephen Morgan Dowdells Director Apr 1963 21 Jan 2015 6 other companies
Gaynor Carruthers Bulloch Secretary Not published 24 Nov 2010 –

Other companies run by these 2 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
10
closed down
1
are FCA-registered
5

In the full report: all 10 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 5 on the FCA register
  • The 3 companies these 2 directors run together
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Filed accounts and finances

Year to 31 October 2022Full accountsAudited

Turnover

£5.79m

No earlier figure to compare

Profit before tax

£680k

No earlier figure to compare

Total equity

£3.54m

No earlier figure to compare

Cash at bank

£67.9k

No earlier figure to compare

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 07368004. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (5) All events (21)

2016

21 July 2016

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

14 April 2016

  • Craig William Murray took control (75–100% of shares)

Companies House

2010

7 September 2010

  • Incorporated at Companies House

Companies House

In the full report: all 21 events

  • All 21 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Caledonian Consumer Finance

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

connected firms
5
share a director
5
share its phone number
2

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (5), the same phone number (2), the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Caledonian Consumer Finance

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

In Glasgow

University Court of the University of GlasgowGlasgowAuthorisedAffordable Finance (South) LimitedGlasgowAuthorisedAlex Munro LimitedGlasgowAuthorisedArgyle Consulting LimitedGlasgowAuthorisedCarnegie Consumer Finance LimitedGlasgowAuthorisedDavidson Asset Management LimitedGlasgowAuthorised

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 Caledonian Consumer Finance

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

  • 10 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 21 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Caledonian Consumer Finance Ltd FCA authorised?
Yes, Caledonian Consumer Finance Ltd (FRN 619101) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2016 and works as a lender. The FCA has placed a limit on what it may do.
What is Caledonian Consumer Finance’s phone number and website?
The FCA register lists the phone number 0333 014 4561 and the website caledonianfinance.co.uk for Caledonian 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 2 other FCA firms.
Is Caledonian Consumer Finance a scam or clone?
Caledonian 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 Caledonian Consumer Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Caledonian Consumer Finance handles your money, so check the specific product before you commit. You can also refer complaints about Caledonian Consumer Finance to the Financial Ombudsman Service, free of charge.
Who owns Caledonian Consumer Finance?
Companies House lists one person with significant control of Caledonian Consumer Finance: Mr Craig William Murray (75–100% of shares).
Who runs Caledonian Consumer Finance?
Companies House lists 2 directors of Caledonian Consumer Finance: Craig William Murray and Stephen Morgan Dowdells.
How long has Caledonian Consumer Finance been in business?
The company was formed on 7 September 2010, and has held its current FCA authorisation since July 2016.
What do Caledonian Consumer Finance’s latest accounts show?
Its latest accounts, to 31 October 2022, show turnover of £5.79m (no earlier figure to compare) and profit before tax of £680k (no earlier figure to compare).
Does Caledonian Consumer Finance use any other names?
It has previously used 6 other names, including New Career Skills, OLC and OLCI.

Sources and links

The full report on Caledonian Consumer Finance Ltd

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