Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for 3 years
- Protected through the principal
- No FCA actions
- Active company since 2015
- Accounts filed up to 30 September 2025
- 1 thing worth a closer look in the background checks
Responsible principal firm
NewDay Cards Ltd Reference number: 682417 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.
- HGV TRAINING SERVICES LIMITED (FRN 987315) introduces customers to NewDay Cards Ltd (FRN 682417). Any regulated advice or arranging is done by the principal, not HGV TRAINING SERVICES.
- Example: if HGV TRAINING SERVICES refers you to a financial adviser, the advice should come from the principal firm, not from HGV TRAINING SERVICES 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.
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Website
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Phone number
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Address
Unit 5, Apollo Studios, Charlton Kings Road, London, Camden, NW5 2SB, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When hgvt.co.uk first appeared online, and whether it can receive email
- What kind of line 0333 060 2804 is
- Who else gives the postcode NW5 2SB
Other names (1)
If you were contacted under any of these names, it is this firm.
- HGVT Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through NewDay Cards Ltd, 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, freeYou 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
- 09820295 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 12 October 2015 (11 years old)
- Registered office
- Unit 5 Apollo Studios, Charlton Kings Road, London, NW5 2SB, England
- Nature of business
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- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| James Alexander Clifford | Director | Jun 1975 | 27 Mar 2026 | 6 other companies |
| Ben Elliot Bristow | Director | Jun 1981 | 16 Sep 2026 | 2 other companies |
Other companies run by these 2 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
- 7
- closed down
- 1
- went insolvent
- 2
In the full report: all 7 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- The 2 that went into liquidation or administration
- The 1 company these 2 directors run together
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Turnover
£17.0m
Not compared: the previous accounts cover a different length of time
Profit before tax
−£187k
Not compared: the previous accounts cover a different length of time
Net assets
£428k
−66% from £1.27m
Cash at bank
£2.86m
+46% from £1.97m
The previous accounts cover 12 months, so turnover and profit are not compared with them.
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- The chart, over every year
- Every filed figure, year by year
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.
Accounts filed at Companies House for company 09820295. 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
Hgv Training Services’s history from the FCA register and Companies House, newest first.
2026
27 April 2026
- Gary Marc Benardout stopped being a part-owner
- Insite Training Services Ltd took control (75–100% of shares)
- James Alexander Clifford stopped being a part-owner
Companies House
2022
18 November 2022
- Became an introducer appointed representative
FCA register
2021
1 February 2021
- Board replaced: its only director left and a new director took over
Companies House
2016
6 April 2016
- Gary Marc Benardout became a part-owner (25–50% of shares)
- James Alexander Clifford became a part-owner (25–50% of shares)
Companies House
2015
12 October 2015
- Incorporated at Companies House
Companies House
In the full report: all 15 events
- All 15 events in its history (8 shown here)
- Every director appointment and resignation: 6
Firms like Hgv Training Services
Other firms of the same type (credit broker), nearest first.
In London
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 Hgv Training Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 7 other companies its directors have run, named
- 3 background checks on its contact details, 1 flagged
- 7 years of accounts, charted
- All 15 events in its history
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk