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.
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No website on the FCA register
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No phone number on the FCA register
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Address
4th floor, 90 WHITFIELD ST, LONDON, W1T 4EZ, United Kingdom
In the full report: 1 background check
- Who else gives the postcode W1T 4EZ
Past FCA permissions and consumer protection
- Money-laundering registration onlyThis 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
- HERITABLE CAPITAL LIMITED
- Company number
- 08775777 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 November 2013 (12 years old)
- Registered office
- 4th Floor 90 Whitfield Street, London, W1T 4EZ, England
- Nature of business
-
- Other credit granting not elsewhere classified (SIC 64929)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Thomas George Edward Barratt | Director | Oct 1979 | 14 Nov 2013 | 7 other companies |
| Nicholas Peter Barrett | Director | Mar 1968 | 14 Nov 2013 | 11 other companies |
| Andrew John Ralph Heaton | Director | Nov 1974 | 14 Nov 2013 | 13 other companies |
| David Ridley | Director | Jul 1978 | 20 Jun 2019 | None |
| Kristofer Ward | Director | Sep 1978 | 20 Jun 2019 | None |
| Christopher Dunn Birch | Director | Jun 1978 | 20 Jun 2019 | 2 other companies |
| Paul Reynoldson | Director | Feb 1978 | 20 Jun 2019 | None |
| James Gardner Hutchinson | Director | Oct 1979 | 19 Jun 2026 | 2 other companies |
Other companies run by these 8 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
- 21
- closed down
- 10
- are FCA-registered
- 3
In the full report: all 21 companies, named
- What each company does, and whether it is still trading
- Which of these 8 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 3 on the FCA register
- The 8 companies these 8 directors run together
Key dates in its history
Heritable Capital’s history from the FCA register and Companies House, newest first.
2016
14 November 2016
- Andrew John Ralph Heaton became a part-owner (25–50% of shares)
- Nicholas Peter Barrett became a part-owner (25–50% of shares)
Companies House
2014
29 January 2014
- Registered with the FCA
FCA register
2013
14 November 2013
- Incorporated at Companies House
Companies House
In the full report: all 12 events
- All 12 events in its history (4 shown here)
- Every director appointment and resignation: 8
Firms connected to Heritable Capital
Other FCA-listed firms that share a director, phone number or address with Heritable Capital. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 5
- share a director
- 3
- share its postcode
- 3
In the full report: all 5 connected firms, named
- How each is linked: shared directors (3), the same postcode (3)
- Who links each one: the named directors, with dates
Get the full report on Heritable Capital
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 21 other companies its directors have run, named
- 1 background check on its contact details
- All 12 events in its history
- 5 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Heritable Capital Ltd FCA authorised?
Is Heritable Capital a scam or clone?
Is my money safe with Heritable Capital?
Who owns Heritable Capital?
Who runs Heritable Capital?
How long has Heritable Capital been in business?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk