Grays Cars and Classics Ltd

Reference number: 1037494

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Mallard Leasing Limited Reference number: 300352 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Grays Cars and Classics Ltd (FRN 1037494) introduces customers to Mallard Leasing Limited (FRN 300352). Any regulated advice or arranging is done by the principal, not Grays Cars and Classics.
  • Example: if Grays Cars and Classics refers you to a financial adviser, the advice should come from the principal firm, not from Grays Cars and Classics itself.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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 showroom.ebaymotorspro.co.uk first appeared online, and whether it can receive email
  • What kind of line 07792 925225 is
  • Who else gives the postcode CO9 2NY
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mallard Leasing Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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
09162354
Company status
Active
Company type
Private limited company
Incorporated
5 August 2014 (12 years old)
Registered office
Kings Farm House, Pebmarsh, Halstead, Essex, CO9 2NY, England
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)

Directors and company secretaries

Name Role Born Appointed Other companies
Robert Gray Director Jan 1968 5 Aug 2014 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

−£48.5k

Down £7,461 from −£41.0k

Cash at bank

£3,804

−69% from £12.3k

Employees (average)

1

Same as 1

Owed within a year

£95.8k

+45% from £66.1k

Net assets are negative: on its last balance sheet the company owed £48.5k more than it owned.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 09162354. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Grays Cars and Classics’s history from the FCA register and Companies House, newest first.

Key events (5) All events (9)

2025

29 July 2025

  • Became an introducer appointed representative

FCA register

2021

1 March 2021

  • Helen Cottage stopped being a part-owner

Companies House

2016

6 April 2016

  • Helen Cottage became a part-owner (25–50% of shares)
  • Robert Gray took control (75–100% of shares)

Companies House

2014

5 August 2014

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms like Grays Cars and Classics

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

In Halstead

Paul Stephens LtdHalsteadAppointed representativeCrossways Garage (Halstead) LimitedHalsteadAuthorisedecurie management ltdhalsteadAuthorisedPullingers Leisure Vehicles Ltd.HalsteadAuthorised

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 Grays Cars and Classics

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
  • 7 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is Grays Cars and Classics Ltd FCA authorised?
Grays Cars and Classics Ltd (FRN 1037494) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Grays Cars and Classics?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Grays Cars and Classics Ltd (FRN 1037494) introduces customers to Mallard Leasing Limited (FRN 300352). Any regulated advice or arranging is done by the principal, not Grays Cars and Classics. Example: if Grays Cars and Classics refers you to a financial adviser, the advice should come from the principal firm, not from Grays Cars and Classics itself. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Grays Cars and Classics’ phone number and website?
The FCA register lists the phone number 07792 925225 and the website showroom.ebaymotorspro.co.uk/Grays-Cars-and-Classics for Grays Cars and Classics. If you were given different contact details, use these to check with the firm before going any further.
Is Grays Cars and Classics a scam or clone?
Grays Cars and Classics 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 Grays Cars and Classics?
Protection works through Mallard Leasing Limited, the principal firm responsible for Grays Cars and Classics's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Grays Cars and Classics?
Companies House lists one person with significant control of Grays Cars and Classics: Mr Robert Gray (75–100% of shares). Before that, it was controlled by Miss Helen Cottage.
Who runs Grays Cars and Classics?
Companies House lists one director of Grays Cars and Classics: Robert Gray.
How long has Grays Cars and Classics been in business?
The company was formed on 5 August 2014.
What do Grays Cars and Classics’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of −£48.5k (down £7,461 from −£41.0k) and cash at bank of £3,804 (−69% from £12.3k).

Sources and links

The full report on Grays Cars and Classics Ltd

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