Clydesdale Financial Services Limited

Reference number: 311753

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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 barclays.com first appeared online, and whether it can receive email
  • What kind of line 020 7116 1000 is, and the 8 other firms that give it
  • Who else gives the postcode E14 5HP
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Other names (4)

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

  • Barclaycard Motor Loans Trading name
  • Barclays Partner Finance Trading name
  • Personal Loans from Barclaycard Trading name
  • Barclaycard Loans 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 (7 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt Administration
  • Debt-collecting
  • Debt-counselling
  • 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)

FCA disciplinary action and Ombudsman complaints

FCA action

fine
1
most recent
December 2020
  • Fined on 15 December 2020
    On 15 December 2020, the FCA fined Barclays Bank UK PLC, Barclays Bank PLC, Clydesdale Financial Services Limited (Barclays) . The reason for this action is that between 1 April 2014 and 31 December 2018, Barclays breached Principles 6 and 3 of the Authority’s Principles for Businesses and CONC 6.7.2R, 7.2.1R and 7.3.4R from its Consumer Credit sourcebook by failing to show forbearance and due consideration to business and retail customers when they fell into arrears or experienced financial difficulties. The FCA’s action took effect on 15 December 2020 and a copy of the Final Notice is displayed on the FCA's web site.

Ombudsman complaints

new complaints, January–June 2025
486
upheld, against a 31% median
28%
about banking and credit
483

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
02901725
Company status
Active
Company type
Private limited company
Incorporated
23 February 1994 (32 years old)
Registered office
1 Churchill Place, London, E14 5HP
Nature of business
  • Banks (SIC 64191)
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Antony Stephen Director Feb 1973 23 Jan 2022 None
Louisa Fern Chapple Director Sep 1982 1 Jan 2024 None
Simon Paul Murphy Director Nov 1978 29 May 2024 2 other companies
BARCOSEC LIMITED Corporate secretary Not published 19 May 2003 –

Other companies run by these 3 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
2
still active
2

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 49 people who have ever been directors, with their dates
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Key dates in its history

Clydesdale Financial Services’s history from the FCA register and Companies House, newest first.

Key events (8) All events (107)

2025

16 May 2025

  • Barclays Principal Investments Limited took control (75–100% of shares)
  • Carnegie Holdings Limited gave up control

Companies House

2020

15 December 2020

  • Fined by the FCA

FCA register

2016

6 April 2016

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

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1994

23 February 1994

  • Incorporated at Companies House

Companies House

In the full report: all 107 events

  • All 107 events in its history (8 shown here)
  • Every director appointment and resignation: 91
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Firms connected to Clydesdale Financial Services

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

connected firms
8
share its phone number
8
share its postcode
8

In the full report: all 8 connected firms, named

  • How each is linked: the same phone number (8), the same postcode (8)
  • Who links each one: the named directors, with dates
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Firms like Clydesdale Financial Services

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

In London

Saga Services LimitedLondonAuthorisedSainsbury's Financial Services LimitedLondonAuthorisedMadison CF UK LimitedLondonAuthorisedLendable LtdLondonAuthorisedSalary Finance LimitedLondonAuthorisedSalary Finance Loans LimitedLondonAuthorised

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 Clydesdale Financial Services

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 107 events in its history
  • 8 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Clydesdale Financial Services Limited FCA authorised?
Yes, Clydesdale Financial Services Limited (FRN 311753) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as a lender. The FCA has placed no limits on its permissions.
What is Clydesdale Financial Services’ phone number and website?
The FCA register lists the phone number 020 7116 1000 and the website barclays.com for Clydesdale Financial Services. 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 8 other FCA firms.
Is Clydesdale Financial Services a scam or clone?
Clydesdale Financial Services 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 Clydesdale Financial Services?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Clydesdale Financial Services handles your money, so check the specific product before you commit. You can also refer complaints about Clydesdale Financial Services to the Financial Ombudsman Service, free of charge.
Who owns Clydesdale Financial Services?
Clydesdale Financial Services is owned by Barclays Principal Investments Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 16 May 2025. Before that, it was controlled by Carnegie Holdings Limited.
Who runs Clydesdale Financial Services?
Companies House lists 3 directors of Clydesdale Financial Services: Antony Stephen, Louisa Fern Chapple and Simon Paul Murphy.
How long has Clydesdale Financial Services been in business?
The company was formed on 23 February 1994, and has held its current FCA authorisation since January 2005.
Has the FCA taken action against Clydesdale Financial Services?
Yes. The FCA register records 1 fine in 2020. The details are in the disciplinary section above, with links to the FCA's notices.
How many complaints does Clydesdale Financial Services get?
In January–June 2025, the Financial Ombudsman Service received 486 new complaints about Clydesdale Financial Services, and upheld 28% of those it decided.
Does Clydesdale Financial Services use any other names?
It trades as Barclaycard Motor Loans, Barclays Partner Finance and Personal Loans from Barclaycard. It has previously used the name Barclaycard Loans.

Sources and links

The full report on Clydesdale Financial Services Limited

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