Charles Street Commercial Investments Ltd

Reference number: 621236

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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.

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 charlesstreetfinance.com first appeared online, and whether it can receive email
  • What kind of line 0161 333 1981 is
  • Who else gives the postcode SK8 3GR
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Past FCA permissions and consumer protection

  • Money-laundering registration only
    This 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
CHARLES STREET COMMERCIAL INVESTMENTS LIMITED
Company number
01739793
Company status
Active
Company type
Private limited company
Incorporated
15 July 1983 (43 years old)
Registered office
Lake View, Lakeside, Cheadle, Cheshire, SK8 3GW
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
Gary Derek Beckett Director Jan 1969 14 Dec 2009 54 other companies
Stephen Brian Lewis Director Dec 1956 25 Oct 2021 5 other companies
Martine Francesca Moser Director Apr 1979 8 Nov 2021 18 other companies
Michael Christopher Flynn Director Jan 1981 1 May 2026 31 other companies
Henry Neville Moser Director Sep 1949 Not published 57 other companies
Holly Dawn Daley Secretary Not published 18 Dec 2024 –

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
85
closed down
22
went insolvent
2

In the full report: all 85 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • The 2 that went into liquidation or administration
  • The 7 on the FCA register
  • The 61 companies these 5 directors run together
  • All 7 people who have ever been directors, with their dates
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Key dates in its history

Charles Street Commercial Investments’s history from the FCA register and Companies House, newest first.

Key events (6) All events (13)

2023

4 July 2023

  • Henry Neville Moser took control (75–100% of shares)

Companies House

29 June 2023

  • Charles Street Finance Holdings Limited took control (75–100% of votes)
  • Henry Neville Moser gave up control

Companies House

2016

6 April 2016

  • Henry Neville Moser took control (75–100% of shares)

Companies House

2014

21 November 2014

  • Registered with the FCA

FCA register

1983

15 July 1983

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (6 shown here)
  • Every director appointment and resignation: 7
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Firms connected to Charles Street Commercial Investments

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

connected firms
5
share a director
5
past links
2

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (5)
  • Who links each one: the named directors, with dates
  • 2 past links through former directors
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Get the full report on Charles Street Commercial Investments

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

  • 85 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 13 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Charles Street Commercial Investments Ltd FCA authorised?
Charles Street Commercial Investments Ltd (FRN 621236) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
What is Charles Street Commercial Investments’ phone number and website?
The FCA register lists the phone number 0161 333 1981 and the website charlesstreetfinance.com for Charles Street Commercial Investments. If you were given different contact details, use these to check with the firm before going any further.
Is Charles Street Commercial Investments a scam or clone?
Charles Street Commercial Investments is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with Charles Street Commercial Investments?
Money you hand to Charles Street Commercial Investments is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns Charles Street Commercial Investments?
Charles Street Commercial Investments is owned by Charles Street Finance Holdings Limited, which holds 75–100% of votes and can appoint and remove the board, since 29 June 2023.
Who runs Charles Street Commercial Investments?
Companies House lists 5 directors of Charles Street Commercial Investments: Gary Derek Beckett, Stephen Brian Lewis, Martine Francesca Moser, Michael Christopher Flynn and Henry Neville Moser.
How long has Charles Street Commercial Investments been in business?
The company was formed on 15 July 1983.

Sources and links

The full report on Charles Street Commercial Investments Ltd

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