Car Finance Scotland Limited

Reference number: 1048356

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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 css-autocentre.com first appeared online, and whether it can receive email
  • What kind of line 07957 090937 is
  • Who else gives the postcode ML3 0EW
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Other names (2)

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

  • Car Sales Scotland Trading name: A name it trades under now.
  • CSS Autocentre Trading name: A name it trades under now.

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
  • Debt Adjusting
  • Debt-counselling

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 status
Active
Company type
Private limited company
Incorporated
19 December 2024 (1 year old)
Registered office
57 Corsehill Crescent, Hamilton, ML3 8FD, Scotland
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)
  • Maintenance and repair of motor vehicles (SIC 45200)
  • Retail trade of motor vehicle parts and accessories (SIC 45320)
  • Technical testing and analysis (SIC 71200)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Andrew Sandilands Director Mar 1989 19 Dec 2024 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 December 2025Dormant company accountsNot audited

Net assets

£1

No earlier figure to compare

Cash at bank

£1

No earlier figure to compare

These accounts were filed as dormant: the company reported no significant trading in the period.

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 SC832254. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Car Finance Scotland’s history from the FCA register and Companies House, newest first.

2026

12 May 2026

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

FCA register

2024

19 December 2024

  • Incorporated at Companies House
  • Stephen Andrew Sandilands took control (75–100% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Car Finance Scotland

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Car Finance Scotland

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

In Hamilton

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 Car Finance Scotland

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • All 9 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Car Finance Scotland Limited FCA authorised?
Yes, Car Finance Scotland Limited (FRN 1048356) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2026 and works as a car dealer. The FCA has placed no limits on its permissions.
What is Car Finance Scotland’s phone number and website?
The FCA register lists the phone number 07957 090937 and the website css-autocentre.com for Car Finance Scotland. If you were given different contact details, use these to check with the firm before going any further.
Is Car Finance Scotland a scam or clone?
Car Finance Scotland 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 Car Finance Scotland?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Car Finance Scotland handles your money, so check the specific product before you commit. You can also refer complaints about Car Finance Scotland to the Financial Ombudsman Service, free of charge.
Who owns Car Finance Scotland?
Companies House lists one person with significant control of Car Finance Scotland: Mr Stephen Andrew Sandilands (75–100% of shares).
Who runs Car Finance Scotland?
Companies House lists one director of Car Finance Scotland: Stephen Andrew Sandilands.
How long has Car Finance Scotland been in business?
The company was formed on 19 December 2024, and has held its current FCA authorisation since May 2026.
What do Car Finance Scotland’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £1 (no earlier figure to compare) and cash at bank of £1 (no earlier figure to compare).
Does Car Finance Scotland use any other names?
It trades as Car Sales Scotland and CSS Autocentre.

Sources and links

The full report on Car Finance Scotland Limited

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