Carmoney Limited

Reference number: 674094

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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 carmoney.co.uk first appeared online, and whether it can receive email
  • What kind of line 0333 456 4550 is
  • Who else gives the postcode ML1 4UF
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Other names (11)

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

  • CarMoneyNI Trading name
  • CarMoney North Trading name
  • CarMoney Scotland Trading name
  • CarMoney South West Trading name
  • Just Drive Trading name
  • Vanmoney Trading name
  • www.carmoney.co.uk Trading name
  • Peter Vardy Just Drive Limited Former name
  • Peter Vardy Just Drive Former trading name
  • www.petervardy.com Former trading name
  • www.petervardyjustdrive.com 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
  • Debt Adjusting
  • Debt-counselling

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
SC467274
Company status
Active
Company type
Private limited company
Incorporated
13 January 2014 (12 years old)
Registered office
Pioneer House Renshaw Place, Holytown, Motherwell, ML1 4UF, Scotland
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Taketo Aoki Director Aug 1975 14 May 2026 2 other companies
Alastair James Grier Director Jun 1970 14 May 2026 2 other companies
Hideyuki Okuhara Director Mar 1973 14 May 2026 None
Jonathan Such Director Jun 1981 14 May 2026 1 other company
Mizuki Yamazaki Director Jul 1980 14 May 2026 1 other company
Lisa Dudley Secretary Not published 14 Sep 2026 –

Other companies run by these 5 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
3
still active
3
are FCA-registered
2

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
  • The 1 company these 5 directors run together
  • All 12 people who have ever been directors, with their dates
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Key dates in its history

Carmoney’s history from the FCA register and Companies House, newest first.

Key events (17) All events (55)

2026

10 July 2026

  • Itochu Europe PLC gained 25–50% of the votes

Companies House

14 May 2026

  • Board replaced: both directors left and 5 new directors took over
  • Fund Corporation For The Overseas Development Of Japan's Ict And Postal Services Inc. became a part-owner (25–50% of shares)
  • Itochu Corporation became a part-owner (25–50% of shares)
  • Peter Daniel David Vardy stopped being a part-owner
  • Peter Vardy Holdings Limited gave up control

Companies House

2023

31 December 2023

  • Peter Vardy Holdings Limited took control (75–100% of shares)

Companies House

2022

1 April 2022

  • Peter Vardy no longer has significant control

Companies House

2018

21 September 2018

  • Claire Elizabeth Maith no longer has significant control

Companies House

11 April 2018

  • FCA imposed a requirement (Not permitted to canvass off trade premises)

FCA register

2016

6 September 2016

  • Changed its registered name from "Peter Vardy Just Drive Limited"

FCA register

6 April 2016

  • Claire Elizabeth Maith gained significant control
  • Peter Daniel David Vardy became a part-owner (25–50% of shares)
  • Peter Vardy gained significant control

Companies House

2015

22 May 2015

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

FCA register

2014

13 January 2014

  • Incorporated at Companies House

Companies House

In the full report: all 55 events

  • All 55 events in its history (17 shown here)
  • Every director appointment and resignation: 21
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Firms connected to Carmoney

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

connected firms
3
share a director
2
share its postcode
2

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (2), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Carmoney

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

In Motherwell

CarMoney Dealer Services LimitedMotherwellAppointed representativeJohn DochertyMotherwellAppointed representativeKenneth KozakMotherwellAppointed representativeKmac Finance LtdMotherwellAppointed representativeMotherwell Football and Athletic Club Limited (The)MotherwellAuthorisedMHouse Business Solutions LtdMotherwellAuthorised

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 Carmoney

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 55 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Carmoney Limited FCA authorised?
Yes, Carmoney Limited (FRN 674094) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2015 and works as a credit broker. The FCA has placed a limit on what it may do.
What is Carmoney’s phone number and website?
The FCA register lists the phone number 0333 456 4550 and the website carmoney.co.uk for Carmoney. If you were given different contact details, use these to check with the firm before going any further.
Is Carmoney a scam or clone?
Carmoney 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 Carmoney?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Carmoney handles your money, so check the specific product before you commit. You can also refer complaints about Carmoney to the Financial Ombudsman Service, free of charge.
Who owns Carmoney?
Carmoney is owned by Itochu Corporation, which holds 25–50% of shares and 50–75% of votes, since 14 May 2026. Before that, it was controlled by Mrs Claire Elizabeth Maith, Peter Vardy Holdings Limited and Mr Peter Daniel David Vardy.
Who runs Carmoney?
Companies House lists 5 directors of Carmoney: Taketo Aoki, Alastair James Grier, Hideyuki Okuhara, Jonathan Such and Mizuki Yamazaki.
How long has Carmoney been in business?
The company was formed on 13 January 2014, and has held its current FCA authorisation since May 2015.
Does Carmoney use any other names?
It trades as CarMoneyNI, CarMoney North, CarMoney Scotland, CarMoney South West and Just Drive, and 2 more names. It has previously used 4 other names, including Peter Vardy Just Drive Limited, Peter Vardy Just Drive and www.petervardy.com.

Sources and links

The full report on Carmoney Limited

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